个人客户风险评估问卷 (1)

个人客户风险评估问卷
Customer Risk Profile Questionnaire
以下1 5个问题将决定您的投资风险偏好，我们将根据您的投资风险偏好为您更好的配置资产。

(每个问题仅有一个答案)In choosing the appropriate investment portfolio，you should first consider Your risk tolerance，investment time frame and your financial circumstances．The following 15 questions aim to help you understand your risk profile and investment needs．
客户姓名：
Customer name_______________________________________________________________________________性别：□男□女婚姻状况：
Sex □Male □Female Marital status____________________
l、您的家庭年收入为?
□A．5万元以下□B．5-20万元□C．20-50万元□D．50一1OO万元
□E．100万元以上
1、How much is the estimated annual income of your family(Chinese Yuan)?
口A．50，000 or below 口B．50,000 to 200，000 口C．200，00 1 to 500，000
口D．500，001 to 1，000，000 口E．Above 1，000，000
2、您的投资目的是?
□A．子女教育费,退休计划□B．个人目标(如置业、购车) □C．让财富保值增值2、What is the purpose of your investment?
□A．Children’S education／Retirement Plan □B．Personal goal (e．g．Property／Car acquisition) □C．Wealth growth / accumulation
3、您期望的投资理财回报是?(附注：高回报附带高风险)
□A．跟银行存款利率大体相同□B．比定期存款利率稍高□C．远超过定期存款利率3、What is your expected return for the investment?(Remark：higher expected return carries higher risk)
□A．In line with time deposit rate □B．Slightly more than time deposit rate
□C．Significantly exceed time deposit rate
4、您的年龄是?
□A．18一30 □B．3l一40 □C．41-50 □D．51-60 □E．高于61岁
4、What is your age?
□A．18一30 □B．3l一40 □C．41-50 □D．51-60 □E．Above 6l
5、未来五年，您预计自己每月可拿出多少资金用于投资理财?
□A．预计未来每月可投资金额会减少(比如：退休)
□B．预计未来每月可投资金额跟现在大体相同
□C．预计未来每月可投资金额比现在高
5、How do you expect your future monthly investable amount over the next five years?
口A．Expect the monthly investable amount will decrease(e．g．retirement)
口B．Expect the monthly investable amount will stay somewhat the same
口C．Expect the monthly investable amount will be greater than now
6、如果您要参与投资理财，您打算购买理财产品(含基金，下同)的资金占个人总资产的百分之几?
口A．25％以下口B．25％一50％口C．51％～75％口D．75％以上
6、If you consider lump sum investment，what percentage of your total assets will you invest?
口A．Less than 25％口B．25％to 50％口C．51 % to 75％口D．Greater than 75％
7、您希望您的投资目标在多长时间内实现?
口A．1年以下口B.1-2年口C．3--5年口D．5年以上
7、How do you expect your time horizon for this investment product?
口 A. Less than 1 year 口B．1 to 2 years 口C．3 to 5 years 口D．More than 5 years
8、以下哪项最能说明您的投资经验?
口A．经验有限：除存款、国债，我几乎没有其他投资经验。

口B．经验适度：我有一些投资经验，但希望得到专业人士的进一步帮助：
口C．经验丰富：我是活跃且有经验的投资者，希望白行进行投资决策?
8、How would you describe your investment experience or know．edge9
口A．I have very little investment experience apart From bank savings and time deposits
口B．I have some knowledge in unit trusts／stokes/bonds investment．L／we appreciate Further guidance
口C．I am an active and experienced investors and able to make my／our own investment decisions
9、以下哪项是适合您的投资风格?
口A．无风险：不希望本金承担风险
口B．保守：希望保守投资，回报高于定期存款
口C．稳健：希望以平新的投资方式，寻求资金的较高收益和成长性
口D．进取：希望赚取高回报，能接受为期较长期间的负面波动，包括本金损失
9、How would you describe your attitude towards risk?
口A．I/we do not want to risk my／our capital or even subject to short-term fluctuation
口B．I／we think capital preservation is important And expected return is more than time deposit rate
口C．I／we think capital preservation is important but I am/we are willing to assume some risks to enhance the potential returns
口D．I am/we are willing to accept significant risk for potentially higher returns
1 0、当您购买的投资理财产品价值出现负收益时，您的反映是：
口A，明显焦虑口B:稍有焦虑口C．可以接受口D．无所谓
1 0、How does the performance of the investment affect your daily life?
口A．Any losses incurred would seriously affect my／our daily jibe since J／We depend 01"1 my／our investment to meet my／our current expenses
口B．I／we can maintain my／our standard of living in the time of a small dip in investment
口C．Any investment losses may not concern me／us as I／we have already made provision for my／our needs 口D．A matter of indifference
1 1、您可承受的价值波动幅度?
口A．能够承受本金50％以上亏损口B．能够承受本金20-50％的亏损
口C．能够承受本金10％以内的亏损口D．不能够承受本金损失
11、Which of following volatility to return would be most tolerant to you?
口A．Above 50％losses of my capital 口B．20％to 50％losses of my capital
口C．Less than 10 ％losses of my capital 口D．NO risk to my capital
12、您是否已充分了解拟购买原投资理财产品的类型、风险、期限、收益计算方式以及提前终止的约定?
口A．是口B．否
1 2、Have you fully understood the type，risks，time horizons，return calculations and liquidity of the products you would like to purchase?
口A．Yes 口B．No
1 3、对于不保本型理财产品，银行不承诺保证本金安全；您可能在产品到期或银行行使提前终止权时收回本金和较高收益，也可能无法获得任何收益且无法收回全部本金。

对于上述情况您是否已经清楚地了解并且能够接受?
口A．是口B．否
13、For product the principal of which is not guaranteed，you may get back the whole principal and some returns or you may lose part of you r principal when the products terminate，Have you known clearly all those Circumstances Could you bear all the outcomes?
口A．Yes 口B．No
1 4、投资于代客境外理财产品，从您签署认购协议起至产品到期，您可能会面临人民币升值的汇率风险，您的投资本金会因此面临损失的可能。

对于上述风险，您是否已经清楚地了解并且能够接受?
口A．是口B．否
1 4、Investing QDII products，you may face exchange rate risk，which may cause you to lose principal，Have you known clearly all the risks mentioned above? Could you bear all the risks?
口A．Yes 口B．No
15、您在产品持有期内是否有赎回产品的需求?
口A．是口B．不确定口C．没有
1 5、Do you need to redeem to product during the holding period?
口A．Yes 口B．Uncertain 口C．No
填表说明：根据中国银行监督管理委员会《商业银行个人理财业务管理暂行办法》和《商业银行个人理财业务风险管理指引》和中国证券业监督管理委员会《证券投资基金销售适用性指导意见》(征求意见稿)的相关规定，请您填写以上评估问卷，我公司承诺对您的个人资料进行保密。

为了确保评估结果的客观性，本表评估标准恕不公开。

客户签名：____________
日期：________年_____月_____日。