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Roseline · 2021年01月01日

问一道题:NO.PZ2019052001000007

问题如下:

Enterprise risk management(ERM)is the process of managing all corporation risks within an integrated framework. Which of the following options is not one of the contents of ERM?

选项:

A.

Risk assessment for every project should be centralized.

B.

The planner of the project conducts a preliminary assessment of the project risks.

C.

Regularly assess the performance of each business unit and measure the impact of each business unit on the total risk.

D.

The firm will accept the project only when the project's return is larger than the contribution cost of the project to the firm's total risk.

解释:

A is correct.

考点:Effective ERM的特点

解析:ERM要求的是decentralizing 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。

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decentralized(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decentralized(下图2标黄);同时,在基础班讲义第250页,也提到了ERM是centralized risk 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decentralized,什么时候用 centralized?




1 个答案
已采纳答案

品职答疑小助手雍 · 2021年01月01日

嗨,努力学习的PZer你好:


首先说250页那个centralized,那个是ERM的总体理念,要集中向管理层和董事会汇报整体的风险情况,让董事会的层面对公司的整体的风险情况有一个把控。

但是本题说的是具体实施的部分,A选项明显说的太绝对了,每个project集中化的评估会产生外行人管内行的情况,所以结合259页那个实施的情况,在decentralized的基础风险评估的基础上,把各路专业人员的专业评估自己业务模块内的东西出来后汇总,之后站在整体层面进行统一管理。

这个centralized和decentralized在于视角和高度不同,公司层面当然要整体的集中把控,但是你整体把控的数据来源都是来自各个基层decentralized的各自评估的。


-------------------------------
虽然现在很辛苦,但努力过的感觉真的很好,加油!


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