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西红柿面 · 2023年07月16日

还是不太懂

NO.PZ2015121801000019

问题如下:

Risk governance:

选项:

A.

aligns risk management activities with the goals of the overall enterprise.

B.

defines the qualitative assessment and evaluation of potential sources of risk in an organization.

C.

delegates responsibility for risk management to all levels of the organization’s hierarchy.

解释:

A  is correct.

Risk governance is the top-down process that defines risk tolerance, provides risk oversight and guidance to align risk with enterprise goals.

之前有道题老师的解析是:risk budgeting是选择什么样的风险去承担,具体量化到承担多少风险是在risk governance里面探讨的。但这道题的A就是在说Align风险,但并没有说要量化啊?

1 个答案
已采纳答案

Kiko_品职助教 · 2023年07月17日

嗨,爱思考的PZer你好:


更正一下吧。risk budgeting需要通过一些风险指标来衡量风险,这个算是量化。

risk governance风险治理是一个大的概念,是自上而下的过程和指导,指导风险管理活动与整个企业保持一致并提供支持。

risk governance包含risk tolerance和risk budgeting,risk tolerance指的是决定公司的风险承受能力,而risk budgeting是根据投资或不同资产的风险特征来分配投资的方法。

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

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看到之前有老师答疑说risk governance是top-wn的,是senior management高管才有的决策权。但governance里的确认风险容忍度不是董事会才有的权利呢?董事会不等于senior management吧??

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