中文：

在金融领域，组合风险是指投资者将资金分配到不同的资产类别或投资项目中，以分散投资风险。组合风险管理的目的是在投资组合中平衡风险和收益，以实现投资目标。

组合风险的衡量和管理涉及到许多方面。首先，投资者需要确定自己的风险承受能力和投资目标。这可以通过风险评估工具、市场分析和投资策略来确定。接下来，投资者需要选择不同的资产类别和投资项目，以构建适合自己的投资组合。这些资产类别和投资项目应该具有不同的风险和收益特征，以实现投资目标的多元化。

在构建投资组合时，投资者需要考虑资产配置的问题。资产配置是指将资金分配到不同的资产类别和投资项目中，以实现风险和收益的平衡。投资者需要根据自己的风险承受能力和投资目标来确定资产配置的比例。此外，投资者还需要定期评估和调整投资组合，以应对市场变化和实现投资目标。

组合风险管理是一个复杂的过程，需要投资者具备丰富的知识和经验。投资者需要了解市场动态、资产类别和投资项目的特征、风险评估和管理等方面的知识。同时，投资者还需要具备对不同资产类别和投资项目的分析和评估能力，以及灵活运用投资策略和工具的能力。通过科学合理的组合风险管理，投资者可以有效地分散投资风险，实现投资目标。

英文：

In the field of finance, portfolio risk refers to the allocation of investors' funds to different asset classes or investment projects to diversify investment risks. The purpose of portfolio risk management is to balance risk and return in the investment portfolio to achieve investment goals.

Portfolio risk measurement and management involve many aspects. First, investors need to determine their risk tolerance and investment goals. This can be done through risk assessment tools, market analysis, and investment strategies. Next, investors need to choose different asset classes and investment projects to build a suitable investment portfolio. These asset classes and investment projects should have different risk and return characteristics to achieve diversification of investment goals.

When building an investment portfolio, investors need to consider asset allocation. Asset allocation refers to the allocation of funds to different asset classes and investment projects to achieve a balance of risk and return. Investors need to determine the proportion of asset allocation according to their own risk tolerance and investment goals. In addition, investors also need to regularly evaluate and adjust the investment portfolio in response to market changes and achieve investment goals.

Portfolio risk management is a complex process that requires investors to have extensive knowledge and experience. Investors need to understand market dynamics, asset class and investment project characteristics, risk assessment and management, and other aspects of knowledge. At the same time, investors also need to have the ability to analyze and evaluate different asset classes and investment projects, as well as the ability to flexibly apply investment strategies and tools. Through scientific and reasonable portfolio risk management, investors can effectively diversify investment risks and achieve investment goals.