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1) 客戶投資屬性分類
工銀國際證券有限公司及工銀國際期貨有限公司（工銀國際）透過《投資風險屬性評估問卷》評核客戶的投資屬性。根據《投資風險屬性評估問卷》的結果，工銀國際建議客戶採用以下表述的相應投資屬性。請留意，每項投資屬性均具有特定的風險承受能力。
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投資屬性：
Investment Suitability:
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風險承受能力：
Risk tolerance:
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保守型
Conservatives
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您的投資最重視資本保值，只能接受極低程度甚至不能承受任何風險。因此，您並不適宜投資具有價格波幅的投資產品。
You can bear extremely low level of investment risk with a main concern of principal protection. Therefore, you are NOT suitable for investment products with volatile price fluctuation.
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審慎型
Cautions
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在關注資本保值的同時，您能承受低度投資風險及較低程度的市場波動。因此，您適合價格波幅較低的投資產品。
With a concern of principal protection, you can bear low level of investment risks and price fluctuation. Therefore, you are suitable for investment products with less volatile price fluctuation.
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平穩型
Moderates
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您能承受中等程度的投資風險，亦能接受較高程度的價格波幅，以及投資在短期內出現虧損。因此，您的投資組合適宜配置不同價格波幅的產品。
You can bear medium level of investment risks and more volatile price fluctuation. You can accept short-term loss on your investment. Therefore, a balanced allocated portfolio with different types of products is suitable for you.
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進取型
Adventurous
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您能承受高度投資風險，同時明白較高風險較高回報的投資策略。您能接受投資出現巨額虧損。因此，您適宜投資資本增長的投資組合。
You can bear high level of investment risks and understand the strategy of higher investment risk and higher return. You can accept substantial loss on your investment. Therefore, you are suitable for growth investment portfolio.
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投機型
Speculative
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您能承受極高程度的投資風險。預期市場波動性極高的您，可接受極大的資本損失。因此，您適合具進取及投機性質的投資產品。
You can bear very high level of investment risks. You can tolerate extremely volatile price fluctuation and accept enormous loss on your investment. Therefore, you are suitable for adventurous and speculative investment products.
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2) 產品風險分類
投資產品的產品風險分類是基於工銀國際的風險級別。投資產品分為5類風險類別，產品風險類別1是最低風險，產品風險類別5是最高風險。風險評估方法考慮了定性及定量因素例如發行機構的信用評級、產品流動性、價格波動性等，以幫助客戶做出有根據的投資決定。
工銀國際對產品風險評級進行定期檢查及更新，從而反映市場現狀。
下表列出了不同產品風險級別的定義：
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產品風險級別：
Product Risk Level:
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定義：
Definition:
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1. 低風險
（匹配保守型客戶）
Low Risk (corresponding to Conservatives)
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一般而言，低風險產品是以保障投資本金為首要目標，有極低的價格波幅。產品可能帶來較少量本金上的虧損風險以獲取所期望的回報。
In general, Low risk products are designed to preserve capital, with very low price fluctuation. The products would carry none to relatively low amount of loss to principal to achieve the expected return.
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2. 低中風險
（匹配審慎型客戶）
Low to Medium Risk (corresponding to Cautions)
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一般而言，這類產品是以減少本金損失為前提，內含較低程度的價格波幅。投產品可能有適度的/部分的本金上的虧損風險去獲取所期望的回報。
In general, Low to Medium Risk products are focused on principal protection with limited price fluctuation. To seek to achieve the expected return, the investors may loss partial of the principal.
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3. 中風險
（匹配平穩型客戶）
Medium Risk (corresponding to Moderates)
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一般而言，這類產品是以獲取較高回報為目標，但其潛在較高程度的價格波幅可能導致大部分本金損失，以及投資在短期內出現虧損。
In general, Medium risk products would have a higher expected return and may be subject market price fluctuations, leading to a risk of losing most of the investment principal, which may happen in the short-term.
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4. 中高風險
（匹配進取型客戶）
Medium to High Risk (corresponding to Adventurous)
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一般而言，這類產品透過價格的波動換取更高的增長潛力，惟須承擔更高風險。在最壞的情況下，產品可能會損失全部本金。
In general, Medium to High Risk products may be subject to market price fluctuations and fairly high volatility in investment return. In the worst case, the product may lead to loss entire investment principal.
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5. 高風險
（匹配投機型客戶）
High Risk (corresponding to Speculative)
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這類產品為最進取的投資選項，有較大的投機性質，可能含高杠杆，結構也可能更複雜。投資者可以透過產品價格的波動換取更高的增長潛力惟須承擔更高風險。在最壞的情況下，投資者可能會損失全部本金甚至可能會超過本金金額。
The high risk product is the most aggressive category, which could be speculative in nature, may contain high leverage ratio, and may be presented as a complex structure. The product may have relatively higher return but it would be accompanied by high level of price volatility. In the worst scenario, the investor may risk losing entire investment principal, and even exceed the principal.
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