NO.PZ2023102101000066
问题如下:
The CEO of a large bank has reported that the bank’s tools and
processes for managing operational risk are consistent with Basel II and Basel
III guidelines for operational risk governance. Which of the following actions and
principles of the bank is correct?
选项:
A.
The bank uses outsourcing to mitigate the operational
risk that should be addressed by management
B.
As the highest-level executive of senior management,
the CEO approves the bank’s risk appetite and tolerance statement for
operational risk
C.
The operational risk management framework established
by the bank is subject to independent review
D.
Department managers monitor their departments’
operational risk profiles and losses and enforce compliance with company risk
policies
解释:
The board of
directors of a bank should ensure that the bank’s framework is subject to
independent review by audit or other appropriately trained parties.
A is incorrect.
“Banks should view risk transfer tools as complementary to, rather than a replacement
for, thorough internal operational risk control.” Risk transfer via outsourcing
should not be used to relieve management of their responsibility to manage
operational risk, and outsourcing can actually introduce additional operational
risks to the bank.
B is incorrect.
The board of directors should approve and review the risk appetite of the bank.
D is incorrect.
Staff responsible for monitoring and enforcing compliance with the institution’s
risk policy should have authority independent from the units they oversee.
老师好,mitigate没有消除的意思,是缓和和减轻的意思,为什么视频里老师都提到只要有mitigate,就是错的,因为风险是不能消除的。我觉得这里用外包减轻操作风险是没错的,但是不知道addressed by managment怎么翻译?通过管理处理?addressed是处理的意思
整体来讲这句话也没问题啊,外包可以降低or,但需要通过管理处理