问题如下图：
选项：
A. 
B. 
C. 
D. 
解释：
默许了承担更多进行投资的行为不是违反了1，整个企业的风险文化…不健全么？
NO.PZ2019052001000002 问题如下 The Basel Committee provis 11 funmentprinciples for operationrisk management. Brann Roy is employee of a commercibank. In aition to the basic salary, the bank also hperformanbonuses, whiare baseon the profits you create for the bank. Roy wants to get more bonuses, so he takes the risk taking a bigger risk anignores the written risk appetite antoleranstatements. The bank is very satisfiewith Roy's performance, so the bank acquiescein his risky investment behavior in orr to increase revenue. In the following basic principles of risk management, whipair is the most likely to violatethe commercibank? A.Principle 3 --- The boarshoulapprove anperiocally review the Framework.Principle 11 --- Banks shoulmake sclosures thare cleenough thoutsi stakeholrs cassess the bank's approato operationrisk management.. B.Principle 1 --- The maintenanof a strong risk management culture lethe bank's boarof rectors ansenior managers.Principle 7 --- Systems shoulrequire approvprocess thassesses the potentioperationrisks. C.Principle 2 --- The operationrisk framework (referreto the 'Framework' in this topimust velopeanfully integrateinto the overall risk management processes of the bankPrinciple 4 --- The boarmust intify the types anlevels of operationrisks the bank is willing to assume well approve risk appetite anrisk toleranstatements. Principle 5 --- Senior management must velop a well-finegovernanstructure within the bank.Principle 6 --- Senior management must unrstanthe risks, anthe incentives relateto those risks, inherent in the bank's business lines anprocesses. is correct.考点funmentprinciples of operationrisk management解析最符合本题情景的原则是原则5和原则6。原则5的内容是管理层要制定一个定义完整的管理体系，并且要保证该管理体系在公司的每一个部门、每一条业务线上都被执行。原则6的内容是管理层必须深刻理解风险，以及理解风险所带来的风险溢价。在本题的情境中，罗伊为了获得更高的奖金，而故意承担更多风险来为公司创造更多利润。银行因为利润增多而默许了罗伊承担更多风险进行投资的行为。我们可以看到，银行非但没有因为罗伊故意承担更多风险而惩罚他，反而还默许了罗伊的行为，这说明银行没有遵守它设立的管理制度，这违背了原则5。其次，银行管理层只注意到了更高的利润，而没有注意到更高的风险，这违背了原则6。 后半句应该有个复核程序的啊
NO.PZ2019052001000002 B的第一句对吗？说公司缺少一个风控文化啥的
NO.PZ2019052001000002 因为前一个选了2 所以选了C，我认为ROY从事高风险业务，就是没有把自己的业务纳入overall risk呀，ERM没得到落实~
Principle 1 --- The maintenanof a strong risk management culture lethe bank's boarof rectors ansenior managers. Principle 7 --- Systems shoulrequire approvprocess thassesses the potentioperationrisks. Principle 2 --- The operationrisk framework (referreto the 'Framework' in this topimust velopeanfully integrateinto the overall risk management processes of the bank Principle 4 --- The boarmust intify the types anlevels of operationrisks the bank is willing to assume well approve risk appetite anrisk toleranstatements. Principle 5 --- Senior management must velop a well-finegovernanstructure within the bank. Principle 6 --- Senior management must unrstanthe risks, anthe incentives relateto those risks, inherent in the bank's business lines anprocesses. is correct. 考点funmentprinciples of operationrisk management 解析最符合本题情景的原则是原则5和原则6。 原则5的内容是管理层要制定一个定义完整的管理体系，并且要保证该管理体系在公司的每一个部门、每一条业务线上都被执行。原则6的内容是管理层必须深刻理解风险，以及理解风险所带来的风险溢价。 在本题的情境中，罗伊为了获得更高的奖金，而故意承担更多风险来为公司创造更多利润。银行因为利润增多而默许了罗伊承担更多风险进行投资的行为。我们可以看到，银行非但没有因为罗伊故意承担更多风险而惩罚他，反而还默许了罗伊的行为，这说明银行没有遵守它设立的管理制度，这违背了原则5。其次，银行管理层只注意到了更高的利润，而没有注意到更高的风险，这违背了原则6。B为什么不对呢？就是因为system授权不健全才导致Roy可以去做更高risk的事吧？如果更高risk的事有系统或授权控制，就不会导致这样了吧
