问一道题：NO.PZ2019052001000007

NO.PZ2019052001000007 问题如下 Enterprise risk management（ERM）is the process of managing all corporation risks within integrateframework. Whiof the following options is not corre about ERM? A.The level of capita firm hol below the minimum regulatory requirements is the most visible expression of its risk appetite. B.the ERM level, risk appetite is typically expressein overarching statements ancriteri C.Regulators consir risk culture to a key iver of ERM framework effectiveness. The firm will accept the projeonly when the project's return is larger ththe contribution cost of the projeto the firm's totrisk. A is correct.考点Enterprise Risk Management Structure解析一家公司持有高于（而非低于）最低监管要求的资本水平是其风险偏好的最明显表现。 如题

NO.PZ2019052001000007 问题如下 Enterprise risk management（ERM）is the process of managing all corporation risks within integrateframework. Whiof the following options is not one of the contents of ERM? A.Risk assessment for every projeshoulcentralize B.The planner of the projeconcts a preliminary assessment of the projerisks. C.Regularly assess the performanof eabusiness unit anmeasure the impaof eabusiness unit on the totrisk. The firm will accept the projeonly when the project's return is larger ththe contribution cost of the projeto the firm's totrisk. A is correct.考点Effective ERM的特点解析ERM要求的是centralizing risk management, 是为了保障每个项目的总风险都被项目经理在内部评估中完整的评估出来。集中评估不满足这个目的。 如题

老师好，看了之前其他同学的提问和解答，能理解基础班讲义第259页提到了centralize下图1标黄）。但是在基础班讲义第249页同时也提到了传统的risk management, 才是把每一个风险分开单独看待，我理解即为centralize下图2标黄）；同时，在基础班讲义第250页，也提到了ERM是centralizerisk management （下图3标黄）。能不能请老师再详细的讲一下ERM下，什么时候要用centralize什么时候用 centralize

请问什么意思，还有A我不能理解为什么整体是Top-wn的过程的ERM却是去中心化的呢？