开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

巴伦 · 2025年02月27日

A和D可以解释一下吗?谢谢

NO.PZ2023090501000099

问题如下:

A risk manager at a local bank is discussing the concepts of expected and unexpected loss with a risk analyst. The risk manager points out that unexpected losses can sometimes result from unknown or uncertain risks, or risks that are difficult to quantify. The analyst asks about ways to assess and manage these risks. Which of the following is a correct statement for the manager to make?

选项:

A.

Unknown risks may be estimated but are typically impossible to manage.

B.

Unknown risks may exist in various risk types but are typically minor and inconsequential.

C.

Risk managers should treat unknown risks in the same way as those risks that can be quantified.

D.

A risk manager's confidence in the estimate of a risk measure should affect the application of that estimate in the decision-making process.

解释:

Explanation

D is correct. A risk manager's confidence in a risk measure shapes how the result should be applied in decision-making.

A is incorrect. Examples of unknown risks are Knightian uncertainties, in which the decision maker cannot know all the information required to model a probability distribution of potential outcomes. These types of risk can sometimes be managed through avoidance and other forms of risk management.

B is incorrect. Some unknown risks such as Knightian uncertainties can be very large and threatening in terms of potential severity, even though their frequency is impossible to quantify.

C is incorrect. Risk managers must never treat risks that cannot be measured as if they are a known quantity.

Section Foundations of Risk Management

Learning Objective Distinguish between expected loss and unexpected loss and provide examples of each.

Evaluate, compare, and apply tools and procedures used to measure and manage risk, including quantitative measures, qualitative risk assessment techniques, and enterprise risk management.

Reference Global Association of Risk Professionals. Foundations of Risk Management. New York, NY: Pearson, 2022. Chapter 1. The Building Blocks of Risk Management.

A和D可以解释一下吗?谢谢

1 个答案

李坏_品职助教 · 2025年02月27日

嗨,从没放弃的小努力你好:


A.

Unknown risks may be estimated but are typically impossible to manage.

A的意思是未知的风险可以被评估,但是无法管理。这个说法是不对的,尽管有某些具体风险影响是未知的,但是风险产生的原因是可以被提前规避的,风险规避也算是管理风险的手段,不能说“无法管理”。


D选项意思是:风险经理对风险评估的信心,会直接影响他们如何在决策过程中使用这些评估。例如,如果风险经理对某个风险评估非常有信心,他们可能会更倾向于根据该评估采取重大行动,如调整投资策略或增加风险控制措施。相反,如果信心不足,他们可能会寻求更多数据、进行额外测试,或对决策持更保守的态度。这个选项是正确的。



----------------------------------------------
努力的时光都是限量版,加油!

  • 1

    回答
  • 0

    关注
  • 3

    浏览
相关问题