理财组合中风险资产的配置与个人年龄和风险偏好负相关，与个人劳动收入和资产量正相关。
The allocation of risky asset in the dynamic portfolio correlates with the individual age and risk preference positively, the income and financial case negatively.
国内首例公开报道的银行理财诉讼——汇丰双利存款诉讼显示，在“存款”名义下发生的是“存款合同+期权合同”的场外金融衍生交易，在银行与客户之间形成了新的收益-风险分配模式。
The nature of commercial banks' financial products to individual clients is fixed-income products, but many of them have reference to financial derivatives which increase market risk.
客户承担理财产品市场风险的决策基础是银行的信息披露与风险提示义务。
The information basis for the client to assume the market risk is what the bank discloses to him, especially that of the risk inherent in the financial product.
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