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梦梦 · 2025年06月21日

为什么只要有mitigate就是错

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

1 个答案

李坏_品职助教 · 2025年06月21日

嗨,从没放弃的小努力你好:


A 选项意思是,银行可以用外包的方式来缓和操作风险。这是不对的。首先,外包并不能缓和操作风险,即便可以让某些方面的操作风险降低,但是外包本身就是一项操作风险的新的来源。 可以用外包的方式来对现有管理层的能力进行补充,但不能说Mitigate或者relieve之类的字眼。


而且后面还有个定语,should be addressed by management,意思是有一部分操作风险本来就该是管理层自己负责的,这一般指的是涉及到商业机密的风险,不应该通过外包去处理。

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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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