(ALM): Policy-Organizational Structure and Procedural Guideline!

Core Risk Management in Bank:

  1. Asset Liability Management
  2. Credit Risk Management
  3. Foreign Exchange Risk Management
  4. Internal Control and Compliance
  5. Anti-Money Laundering
  6. IT Security


Different Aspects of Balance Sheet (ALM) of a Bank:



Different Aspects of Balance Sheet (ALM) in a Bank.


Asset-Liability Management:

The Purpose of Asset-Liability Management is to Control a Bank’s Sensitivity to Changes in Market Interest Rates and Limit its Losses in its Net Income or Equity

Managers of financial firms focused on asset-liability risk. The problem was not that the value of assets might fall or that the value of liabilities might rise. It was that capital might be depleted by narrowing of the difference between assets and liabilities.


Asset-liability risk is a leveraged form of risk. The capital of most financial institutions is small relative to the firm’s assets or liabilities; so small percentage changes in assets or liabilities can translate into large percentage changes in capital.


Purpose of ALM:

The purpose of asset-liability management is to formulate strategies and take actions that shape a bank’s balance sheet as a whole in a way that contributes to its desired goals. Usually, the principal goals of asset-liability management are:

(a)  to maximize, or at least stabilize, the bank’s margin,   or spread between interest revenues and interest   expenses

(b)  to maximize, or at least protect, the value (stock   price) of the bank, at an acceptable level of risk.



Banks must have a committee comprising of the senior management of the bank to make important decisions related to the Balance Sheet of the Bank.

The committee, typically called the Asset Liability Committee (ALCO), should meet at least once every month to analysis, review and formulate strategy to manage the balance sheet.


ALCO: Policy Statement:

Board or Management Committee of the Bank should set out the policy statement in at least for the followings and an annual review should be done taking into consideration of changes in the balance sheet and market dynamics.

+Basel-III Liquidity Ratios

+Leverage Ratio

+Advance to Deposit Ratio (ADR)

+Wholesale Borrowing Guidelines (WBG)


+Structural Liquidity Profiles

+Interest Rate Risk Limit

+Swapped Funds Limit

+Contingency Funding Plan

+Local Regulatory Compliance


Basel-III Liquidity Ratios:

+The ratios represent the way forward in ALM through liquidity measurement and management. These ratios along with the liquidity gap should be central to liquidity measurement and management.

+LCR or Liquidity Coverage Ratio is a new liquidity standard introduced by the BCBS. This standard is built on the methodologies of traditional liquidity coverage ratio used by banks to assess exposure to contingent liquidity events.

+NSFR or Net Stable Funding Ratio is another new standard introduced by the BCBS. The NSFR aims to limit over-reliance on short-term wholesale funding during times of abundant market liquidity and encourage better assessment of liquidity risk across all on- and off-balance sheet items.


Advance to Deposit Ratio:

+The ratio is determined by putting Advance in numerator and Liabilities (excluding capital) in denominator. The ratio should be fixed in such a manner so that there will be no unnecessary liquidity pressure on the bank in any point of time.

+Considering the regulatory liquidity requirements (CRR and SLR), the maximum value of the ratio shall be derived using the formula [100%-CRR*-SLR*].

+Depending upon the capital base, liquidity condition, NPL status etc. and above all the maintenance of LCR & NSFR, the board may decide adding highest 4.5% and 2% (for conventional banks and Shariah based banks respectively) with the result of the above formula to fix a suitable AD ratio.


Wholesale Borrowing Guidelines:

+The aim of wholesale borrowing (WB) guidelines is to set a limit for borrowed fund. The limit should be set in absolute amount based on bank’s eligible capital (Tier-1 plus Tier-2) capital and considering liquidity needs due to maturity mismatch, borrowing capacity of the bank and historic market liquidity.

+The WB Limit should be capped at 80% (for Non PD banks) and 100% (for PD banks) of bank’s eligible capital on fortnightly average basis with maximum two deviations (not more than 90% and 110% of the eligible capital for Non PD and PD banks respectively) in a particular fortnight. The eligible capital determined under Basel III for any quarter will be applicable as eligible capital until it is determined for the next quarter.



+Total Commitments include undrawn portions of continuous loan including interest thereon and undrawn portions of term loans, outstanding irrevocable letters of credit and similar instruments, letters of guarantee, acceptances and similar instruments. Counter guarantee provided by foreign banks, FC held against Back to Back LC and Margin on LC or guarantee shall be deducted from the total commitment amount.

+The commitment limit should be fixed considering i) Total commitments to total Assets, ii) Total commitments to Total Eligible Capital and iii) Total commitments to total High Quality Liquid Assets (HQLA). The highest acceptable limits of these ratios are less than 50%, less than 500% and less than 250% respectively. The commitment limit should be the lowest amount of the three ratios mentioned above.


Structural Liquidity Profile

+The structural liquidity profile of a bank provides information regarding maturity transformation of assets and liabilities in a simple manner. The negative liquidity GAP (if exist), may be taken as a preliminary signal for the need of maturity adjustment of assets and liabilities in different time buckets. The Maximum Cumulative Outflow ratio may be considered as an important benchmark in this regard.

+MCO upto one month bucket should not be greater than the sum of daily minimum CRR plus SLR. For example, the MCO should be 19% (6% CRR+ 13% SLR) for conventional banks. The Shariah based banks, due to higher ADR and Short nature of their investment are also allowed MCO at the same level. MCO in the other maturity buckets should be prudently fixed by the BODs depending on bank’s business strategy.


Interest Rate Risk Limit:

+The BODs should set a limit on the interest rate risk in the banking book. The limit should be set according to the risk appetite of the bank.

+The BODs should also set the management action plan to reduce interest rate risk if the situation warrants. Both NII (Net Interest Income) and MVE (Market Value of Equity) limits and action plan should be set so that management can act promptly.


Swapped Funds Limit:

+Swapped fund is the difference between assets and liabilities including capital denominated in the same currency.

+Assets and liabilities will not always be in the same currencies. A bank might be exposed to the risk that it may not meet by its currency-wise obligations as they fall due. Swapped funds position results from reliance on foreign exchange markets and therefore needs to be controlled.

+Swapped funds limits are established on the maximum amount that may be swapped out of foreign currency into local currency and swapped out of local currency into foreign currency.


Contingency Funding Plan:

+A contingency funding plan needs to be approved by the BODs (ALCO in case of foreign banks).

+A contingency funding plan needs to be prepared keeping in mind that enough liquidity is available to meet the funding requirements in a liquidity crisis situation.


Regulatory Compliance:

+There should be a firm policy on compliance with Bangladesh Bank requirements relevant to ALM, such as CRR and SLR, CRAR, Single Borrower Exposure Limit, etc.


Organizational Structure of ALM:

+The Asset Liability Committee (ALCO) is responsible for balance sheet (asset liability) risk management. Managing the asset liability is the most important responsibility of a bank as it runs the risks for not only the bank, but also the thousands of depositors who put money into it.

+The responsibility of Asset liability Management is on the Treasury Department of the bank. Specifically, the Asset liability Management (ALM) desk of the Treasury Department manages the balance sheet. The results of balance sheet analysis along with recommendation is placed in the ALCO meeting by the Treasurer where important decisions are made to minimize risk and maximize returns. Typically, the organizational structure looks like the following:


Responsibilities of ALCO:

+Ensure that bank’s measurement and reporting systems accurately convey the degrees of liquidity and market risk

+Monitor the structure and composition of bank’s assets and liabilities and identify balance sheet management issues that are leading to under performance.

+Decide on the major aspects of balance sheet structure, such as maturity and currency mix of assets and liabilities, mix of wholesale versus retail funding, deposit mix, etc.

+Decide on how to respond to significant, actual and expected increases and decreases in required funding.

+Review maturity profile and mix of assets and liabilities

+Articulate interest rate view of the bank and decide on balance sheet strategy

+Approve and periodically review the transfer pricing policy of the bank

+Evaluate market risk involved in launching of new products

+Review deposit-pricing strategy, and

+Review contingency funding plan for the bank


Organizational Structure of ALM:


Head of Retail Banking / General Banking

Head of Treasury

Head of Corporate Banking

Head of Finance/ CFO / CAD / FAD

Head of SME/ ID/ Commercial Customers

Head of RMD

Head of Asset Liability Mgt (ALM) (under Treasury Division)

Money Market Dealers (under Treasury Division)



Key Responsibilities of ALM Desk:

+To oversee the growth and sustainability of assets and the liabilities.

+To manage and oversee the overall activities of Money Market.

+To manage liquidity and market risk of the bank.

+To understand the market dynamics i.e. competition, potential target markets etc. for expansion of the business.

+To Provide inputs regarding market views and to suggest proper balance sheet movement (expand or shrink) to cope with the changing situation in the market or in the economy.

+To keep records of ALCO meetings, to monitor the implementation status of the action taken in ALCO meetings etc.


ALCO Process: Key Agenda:

+Review of actions taken in previous ALCO and the status of implementation

+Review of monthly changes in various key parameters

+Overall fund position including loanable funds, maintenance of CRR and SLR, LCR and NSFR position, Structural Liquidity Profile, etc.

+Asset position: Concentration, Quality

+Liability position: deposit mix, market situation, concentration, cost of fund

+Foreign Exchange related asset and liability position: forward agreement, net foreign exchange liability, OBU position, SWAP position, Sight L/C.

+Economic and Market Status and Outlook

+Liquidity Risk related to the Balance Sheet

+Review of the price / interest rate structure: interest rate risk in banking book, interest rate risk in trading book, equity price risk

+Off-balance sheet position: Unused portion of lines of credit (undrawn commitments), Acceptances, Guarantees, Maturity profile of other L/Cs

+Capital Market Investment position: Solo and Consolidated basis.

+Investment in associates

+Leverage Ratio

+Stress Test, VaR (Value at Risk) analysis, Gap Analysis and others with proper interpretation.

+Actions to be taken by whom and by when


Contents of the ALCO Paper:

+Confirmation of Minutes of last meeting

+Review of the action items of the previous meetings

+Review of Economy and Markets

+Review of Balance Sheet and Liquidity Limits

+Review of the Status of Regulatory Compliance

+Top 10 Depositors List

+Top 10 Borrowers List

+Capital Maintenance

+Details of Loans and Deposits Movement

+Loans and Deposit Projections

+Trend of Lending Rates and Deposit Rates


ALCO Process.

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    Обеспечивая понимание заемщиками того, на что они соглашаются, когда берут кредит до зарплаты, и обеспечивая защиту от хищнической практики, такой как непомерно высокие процентные ставки, законы, регулирующие кредиты до зарплаты, помогают обезопасить потребителей и в то же время дают им доступ к быстрым наличным в трудные времена

    Финансовое образование и ресурсы: Как избежать ловушки платного кредита и повысить финансовую грамотность.
    Платежные кредиты могут показаться быстрым и легким решением финансовых трудностей, но они сопряжены с риском высоких процентных ставок, которые могут затянуть вас в долговую ловушку. Компании, предоставляющие кредиты до зарплаты, могут рекламировать свои услуги как идеальный способ выйти из затруднительной финансовой ситуации, но они часто не упоминают о потенциальных подводных камнях.

    Лучший способ избежать попадания в ловушку платных кредитов – это хорошая финансовая грамотность. Знание того, как составлять бюджет и понимать, какие ресурсы доступны для управления долгом, может помочь вам принимать обоснованные решения в отношении ваших финансов. Вот несколько советов по развитию хороших финансовых привычек:

    1. Разработайте бюджет: Отслеживание того, куда уходят ваши деньги каждый месяц, является ключом к пониманию ваших привычек расходования средств. Бюджет поможет вам определить области, где вы можете сэкономить деньги, и расставить приоритеты при оплате счетов и других расходов.

    2. Используйте бесплатные ресурсы: Существует множество бесплатных онлайн-инструментов, которые могут помочь в составлении бюджета, например, Mint или Personal Capital. Воспользуйтесь этими ресурсами, чтобы оставаться организованным и следить за своими финансами без необходимости платить дополнительные комиссии или сборы.

    3. Разберитесь в кредитных картах: Кредитные карты дают преимущества при правильном использовании, но важно понимать условия и положения, связанные с ними, прежде чем подписывать договор или часто пользоваться ими. Внимательно изучите все соответствующие документы и отслеживайте любые изменения в условиях и комиссиях, чтобы в дальнейшем не оказаться в затруднительном положении.

    4. Установите очередность платежей: Убедитесь, что все основные счета (такие как арендная плата, коммунальные услуги и т.д.) оплачены.) выплачиваются в первую очередь, прежде чем заботиться о каких-либо дополнительных расходах или выплатах по долгам каждый месяц – это предотвратит начисление штрафов за просрочку платежей по этим более важным статьям и даст вам время разобраться с другими долгами или расходами, если это возможно в установленные сроки, разрешенные кредиторами/займодавцами/агентствами/и т.д..

    5. При необходимости обратитесь за помощью: Если вы столкнулись с финансовыми трудностями, несмотря на соблюдение бюджета и использование бесплатных ресурсов, не бойтесь обратиться за профессиональным советом к квалифицированным кредитным консультантам, которые могут дать совет, специально предназначенный для того, чтобы помочь людям справиться с их конкретными обстоятельствами более эффективно, чем общие советы, найденные в Интернете, как правило, по крайней мере, в целом в большинстве случаев, основанных на эмпирических данных, собранных за прошедшее время..

    Следуя этим советам, вы вооружитесь знаниями о том, как лучше управлять своими финансами, не полагаясь на кредиты, которые потенциально могут привести к дальнейшим неприятностям в будущем, в основном из-за того, что вы не воспользовались всеми преимуществами заранее на ранних стадиях, чтобы развить лучшие навыки рационального управления финансами и т.д….

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  240. LarryGualk says:

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    골드리치는 길고긴기간 회원분들과 더불어 선물시장의 행로을 공동으로 여정을했습니다, 투자자분들의 확실한 투자 및 건강한 수익성을 지향하여 언제나 최선을 다하고 있습니다.

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    국외선물은 해외에서 거래되는 파생금융상품 중 하나로, 지정된 기반자산(예: 주식, 화폐, 상품 등)을 기초로 한 옵션 계약을 의미합니다. 본질적으로 옵션은 지정된 기초자산을 향후의 특정한 시점에 일정 금액에 사거나 팔 수 있는 자격을 제공합니다. 외국선물옵션은 이러한 옵션 계약이 외국 마켓에서 거래되는 것을 의미합니다.

    국외선물은 크게 콜 옵션과 풋 옵션으로 구분됩니다. 매수 옵션은 특정 기초자산을 미래에 정해진 금액에 매수하는 권리를 제공하는 반면, 매도 옵션은 명시된 기초자산을 미래에 정해진 금액에 매도할 수 있는 권리를 허락합니다.

    옵션 계약에서는 미래의 명시된 날짜에 (만료일이라 불리는) 일정 금액에 기초자산을 매수하거나 매도할 수 있는 권리를 보유하고 있습니다. 이러한 금액을 행사 가격이라고 하며, 만료일에는 해당 권리를 행사할지 여부를 선택할 수 있습니다. 따라서 옵션 계약은 거래자에게 향후의 가격 변화에 대한 안전장치나 이익 실현의 기회를 부여합니다.

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    외국선물 거래의 원리

    실행 금액(Exercise Price): 국외선물에서 행사 가격은 옵션 계약에 따라 특정한 금액으로 계약됩니다. 만료일에 이 가격을 기준으로 옵션을 실현할 수 있습니다.
    만료일(Expiration Date): 옵션 계약의 만료일은 옵션의 행사가 불가능한 최종 날짜를 뜻합니다. 이 날짜 다음에는 옵션 계약이 소멸되며, 더 이상 거래할 수 없습니다.
    풋 옵션(Put Option)과 콜 옵션(Call Option): 매도 옵션은 기초자산을 지정된 가격에 매도할 수 있는 권리를 제공하며, 콜 옵션은 기초자산을 지정된 금액에 사는 권리를 제공합니다.
    프리미엄(Premium): 외국선물 거래에서는 옵션 계약에 대한 프리미엄을 지불해야 합니다. 이는 옵션 계약에 대한 비용으로, 마켓에서의 수요와 공급에 따라 변화됩니다.
    행사 전략(Exercise Strategy): 투자자는 종료일에 옵션을 실행할지 여부를 판단할 수 있습니다. 이는 시장 상황 및 투자 플랜에 따라 차이가있으며, 옵션 계약의 수익을 최대화하거나 손해를 최소화하기 위해 결정됩니다.
    시장 리스크(Market Risk): 국외선물 거래는 시장의 변동성에 작용을 받습니다. 시세 변화이 기대치 못한 방향으로 일어날 경우 손해이 발생할 수 있으며, 이러한 마켓 리스크를 최소화하기 위해 투자자는 계획을 수립하고 투자를 설계해야 합니다.
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  241. LarryGualk says:

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    안전보장 프로토콜: 국가기관에서 적용한 최상의 등급의 보안시스템을 채택하고 있습니다.
    스마트 인증: 모든 거래정보은 암호화 처리되어 본인 외에는 그 누구도 정보를 확인할 수 없습니다.
    확실한 이익률 마련: 위험 요소를 감소시켜, 보다 더 안전한 수익률을 제공하며 이에 따른 리포트를 발간합니다.
    24 / 7 실시간 고객센터: 연중무휴 24시간 즉각적인 지원을 통해 회원분들을 모두 서포트합니다.
    함께하는 파트너사: 골드리치증권는 공기업은 물론 금융권들 및 다양한 협력사와 함께 동행해오고.

    다양한 정보를 확인하세요.

    외국선물은 국외에서 거래되는 파생상품 중 하나로, 명시된 기초자산(예: 주식, 화폐, 상품 등)을 기초로 한 옵션계약 계약을 말합니다. 본질적으로 옵션은 명시된 기초자산을 미래의 특정한 시기에 정해진 가격에 사거나 팔 수 있는 권리를 부여합니다. 외국선물옵션은 이러한 옵션 계약이 국외 마켓에서 거래되는 것을 뜻합니다.

    외국선물은 크게 매수 옵션과 풋 옵션으로 나뉩니다. 매수 옵션은 지정된 기초자산을 미래에 일정 가격에 사는 권리를 부여하는 반면, 풋 옵션은 특정 기초자산을 미래에 정해진 금액에 팔 수 있는 권리를 제공합니다.

    옵션 계약에서는 미래의 명시된 일자에 (종료일이라 불리는) 일정 금액에 기초자산을 사거나 팔 수 있는 권리를 보유하고 있습니다. 이러한 금액을 실행 가격이라고 하며, 만기일에는 해당 권리를 실행할지 여부를 결정할 수 있습니다. 따라서 옵션 계약은 투자자에게 향후의 시세 변화에 대한 보호나 수익 실현의 기회를 부여합니다.

    국외선물은 시장 참가자들에게 다양한 투자 및 매매거래 기회를 열어주며, 환율, 상품, 주식 등 다양한 자산유형에 대한 옵션 계약을 포함할 수 있습니다. 투자자는 풋 옵션을 통해 기초자산의 하향에 대한 안전장치를 받을 수 있고, 콜 옵션을 통해 호황에서의 이익을 겨냥할 수 있습니다.

    외국선물 거래의 원리

    행사 금액(Exercise Price): 외국선물에서 실행 금액은 옵션 계약에 따라 명시된 금액으로 약정됩니다. 종료일에 이 금액을 기준으로 옵션을 실현할 수 있습니다.
    만기일(Expiration Date): 옵션 계약의 종료일은 옵션의 행사가 불가능한 마지막 날짜를 뜻합니다. 이 일자 다음에는 옵션 계약이 만료되며, 더 이상 거래할 수 없습니다.
    매도 옵션(Put Option)과 콜 옵션(Call Option): 매도 옵션은 기초자산을 특정 가격에 매도할 수 있는 권리를 제공하며, 매수 옵션은 기초자산을 명시된 가격에 사는 권리를 제공합니다.
    프리미엄(Premium): 국외선물 거래에서는 옵션 계약에 대한 프리미엄을 납부해야 합니다. 이는 옵션 계약에 대한 비용으로, 시장에서의 수요와 공급에 따라 변경됩니다.
    행사 방식(Exercise Strategy): 투자자는 만기일에 옵션을 행사할지 여부를 선택할 수 있습니다. 이는 마켓 상황 및 투자 플랜에 따라 다르며, 옵션 계약의 수익을 최대화하거나 손실을 감소하기 위해 결정됩니다.
    마켓 위험요인(Market Risk): 국외선물 거래는 시장의 변동성에 작용을 받습니다. 가격 변화이 기대치 못한 방향으로 일어날 경우 손해이 발생할 수 있으며, 이러한 시장 리스크를 최소화하기 위해 투자자는 계획을 구축하고 투자를 설계해야 합니다.
    골드리치증권와 동반하는 외국선물은 확실한 확신할 수 있는 투자를 위한 최적의 옵션입니다. 회원님들의 투자를 뒷받침하고 안내하기 위해 우리는 최선을 기울이고 있습니다. 함께 더 나은 내일를 지향하여 나아가요.

  242. LarryGualk says:

    해외선물의 시작 골드리치증권와 동참하세요.

    골드리치증권는 오랜기간 투자자분들과 더불어 선물시장의 길을 공동으로 여정을했습니다, 고객분들의 확실한 투자 및 높은 이익률을 향해 계속해서 전력을 기울이고 있습니다.

    무엇때문에 20,000+명 넘게이 골드리치와 투자하나요?

    빠른 솔루션: 쉽고 빠른속도의 프로세스를 갖추어 어느누구라도 용이하게 이용할 수 있습니다.
    보안 프로토콜: 국가당국에서 사용하는 높은 등급의 보안을 적용하고 있습니다.
    스마트 인증: 모든 거래정보은 암호화 보호되어 본인 이외에는 아무도 누구도 내용을 접근할 수 없습니다.
    안전 수익률 마련: 위험 요소를 감소시켜, 보다 한층 보장된 수익률을 공개하며 이에 따른 리포트를 제공합니다.
    24 / 7 지속적인 고객센터: året runt 24시간 즉각적인 지원을 통해 회원분들을 온전히 뒷받침합니다.
    함께하는 동반사: 골드리치는 공기업은 물론 금융계들 및 많은 협력사와 함께 여정을 했습니다.

    다양한 정보를 알아보세요.

    외국선물은 국외에서 거래되는 파생상품 중 하나로, 명시된 기반자산(예: 주식, 화폐, 상품 등)을 기초로 한 옵션계약 계약을 말합니다. 본질적으로 옵션은 지정된 기초자산을 향후의 특정한 시점에 일정 가격에 사거나 매도할 수 있는 자격을 제공합니다. 해외선물옵션은 이러한 옵션 계약이 해외 마켓에서 거래되는 것을 의미합니다.

    국외선물은 크게 매수 옵션과 매도 옵션으로 분류됩니다. 매수 옵션은 지정된 기초자산을 미래에 일정 가격에 매수하는 권리를 제공하는 반면, 풋 옵션은 명시된 기초자산을 미래에 일정 금액에 팔 수 있는 권리를 부여합니다.

    옵션 계약에서는 미래의 명시된 일자에 (만료일이라 지칭되는) 일정 가격에 기초자산을 매수하거나 매도할 수 있는 권리를 가지고 있습니다. 이러한 가격을 실행 가격이라고 하며, 종료일에는 해당 권리를 실행할지 여부를 결정할 수 있습니다. 따라서 옵션 계약은 거래자에게 미래의 가격 변동에 대한 안전장치나 이익 실현의 기회를 제공합니다.

    외국선물은 마켓 참가자들에게 다양한 운용 및 매매거래 기회를 마련, 환율, 상품, 주식 등 다양한 자산유형에 대한 옵션 계약을 망라할 수 있습니다. 거래자는 매도 옵션을 통해 기초자산의 낙폭에 대한 보호를 받을 수 있고, 매수 옵션을 통해 활황에서의 이익을 타깃팅할 수 있습니다.

    해외선물 거래의 원리

    행사 가격(Exercise Price): 해외선물에서 실행 금액은 옵션 계약에 따라 지정된 금액으로 약정됩니다. 종료일에 이 가격을 기준으로 옵션을 실행할 수 있습니다.
    만기일(Expiration Date): 옵션 계약의 만기일은 옵션의 실행이 허용되지않는 최종 일자를 뜻합니다. 이 일자 이후에는 옵션 계약이 소멸되며, 더 이상 거래할 수 없습니다.
    매도 옵션(Put Option)과 콜 옵션(Call Option): 매도 옵션은 기초자산을 지정된 금액에 매도할 수 있는 권리를 부여하며, 콜 옵션은 기초자산을 특정 가격에 매수하는 권리를 허락합니다.
    계약료(Premium): 해외선물 거래에서는 옵션 계약에 대한 프리미엄을 지불해야 합니다. 이는 옵션 계약에 대한 비용으로, 시장에서의 수요와 공급량에 따라 변경됩니다.
    행사 방안(Exercise Strategy): 투자자는 종료일에 옵션을 실행할지 여부를 판단할 수 있습니다. 이는 시장 환경 및 거래 플랜에 따라 상이하며, 옵션 계약의 이익을 극대화하거나 손실을 최소화하기 위해 선택됩니다.
    마켓 위험요인(Market Risk): 외국선물 거래는 마켓의 변화추이에 효과을 받습니다. 시세 변동이 예상치 못한 방향으로 발생할 경우 손해이 발생할 수 있으며, 이러한 시장 리스크를 최소화하기 위해 투자자는 전략을 수립하고 투자를 설계해야 합니다.
    골드리치와 함께하는 국외선물은 보장된 확신할 수 있는 운용을 위한 최적의 선택입니다. 회원님들의 투자를 지지하고 인도하기 위해 우리는 최선을 다하고 있습니다. 공동으로 더 나은 미래를 향해 나아가요.

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