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Cooljas · 2025年06月15日

想问下这些知识点在哪个章节啊?各个部门的职能容易混淆 可以帮忙梳理汇总下吗?

NO.PZ2023091901000099

问题如下:

The CRO of a bank is conducting an internal assessment of the potential risk and vulnerability of the bank. The CRO starts by evaluating how risk management responsibilities are assigned to and connected across various business functions. Which of following statements regarding the interdependence of risk management functions is correct?

一家银行的首席风险官(CRO)正在对银行的潜在风险和脆弱性进行内部评估。CRO 首先评估风险管理职责在不同业务职能之间的分配和关联情况。以下关于风险管理职能相互依存关系的陈述,哪一项是正确的?

选项:

A.

The operations function typically controls model implementation risks.

运营职能通常控制模型实施风险。

B.

The senior management is in charge of monitoring market risk limits.

高级管理层负责监控市场风险限额。

C.

The risk management function is responsible for independently executing, recording, and settling trades.

风险管理职能负责独立执行、记录和结算交易。

D.

The finance group is expected to provide support for the financial monitoring and modeling needs of the bank’s various business lines.

财务团队应支持银行各业务线的财务监测和建模需求。

解释:

D is correct. The finance group is responsible for developing valuation and finance policies, ensuring the accuracy and completeness of reported earnings, and reviewing independent valuation methodologies and processes. Finance also manages business planning and is called upon to support the financial needs of the various business lines.

A is incorrect. The risk management function typically controls model implementation risks. A bank’s operations function not only shares in the implementation of risk management but plays a critical role in risk oversight as well. In investment banks, for example, its role is to independently execute, record, and settle trades; reconcile front and back-office positions; and chronicle all transactions. The operations staff also prepares earnings reports as well as independent valuations of the bank’s positions (e.g., mark-to-market).

B is incorrect. The risk management function is responsible for monitoring market risk limits. The senior management is in charge of setting business level risk tolerances, designing and managing policy, and evaluating performance.

C is incorrect. The operations function is responsible for independently executing, recording, and settling trades. The business line is responsible for taking on and managing exposure to approved risks as well as verifying valuations.


D选项正确。财务组负责制定估值和财务政策,确保报告收益的准确性和完整性,并审查独立的估值方法和流程。财务部门还要管理业务计划,并要求支持各种业务线的财务需求。

A不正确。风险管理功能通常控制模型实现风险。银行的经营职能不仅参与风险管理的实施,而且在风险监督方面也起着至关重要的作用。例如,对于投资银行,它的作用是独立执行、记录和结算交易;协调前台和后台职位;并记录所有的交易。运营人员还准备收益报告以及对银行头寸的独立估值(例如,按市值计价)。

B不正确。风险管理职能部门负责监测市场风险限额。高级管理层负责设定业务层面的风险承受能力,设计和管理政策,以及评估绩效。

C选项不正确。操作部门负责独立执行、记录和结算交易。业务线负责承担和管理已批准的风险,以及验证估值。

想问下这些知识点在哪个章节啊?各个部门的职能容易混淆 可以帮忙梳理汇总下吗?

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2024-04-27 20:35 1 · 回答