改变范式的时候到了:金融行业对运营风险的方法存在问题
1Business Information Systems, University College Cork, Cork City, Ireland.
概括
银行业的问题源于有缺陷的组织和风险文化. 一种新的"风险会计"方法提供了一种定量和定性方法来管理运营风险,并推动金融机构的文化变革.
科学领域:
- 金融监管与风险管理
- 组织行为和组织文化
- 金融中的信息系统和人工智能
背景情况:
- 组织文化和风险文化被认为是持续银行业问题的根本原因.
- 金融机构仍然脆弱,特别是在运营风险和数字化转型挑战方面.
- 最近的事件,比如2023年瑞士信贷的救助,强调了持续的脆弱性和需要进行系统性变革.
研究的目的:
- 用组织文化,学习和行动理论批判性地评估银行业现有的风险管理范式.
- 突出目前方法的缺陷,包括依赖历史损失测量和监管资本分配.
- 引入一种新的方法,即风险会计,以实现运营风险管理的范式转变.
主要方法:
- 通过组织文化,学习和行动理论对银行风险范式进行理论评估.
- 开发和提出一种新的方法:风险会计.
- 实现风险会计的AI支持数字架构的概念化.
主要成果:
- 目前的风险管理实践是有缺陷的,依赖于机构方法而不是前性风险评估.
- 风险会计提供了一种新的方法来量化和定性地衡量风险暴露.
- 支持人工智能的架构可以解决风险管理中的数据聚合和分析问题.
结论:
- 在银行风险管理中,需要改变范式,超越历史损失评估.
- 风险会计提供了一个细粒度,透明的方法来评估风险暴露,激励行为和文化变化.
- 这种方法可以从根本上改变操作风险的管理方式,促进金融机构更大的稳定性和透明度.
相关概念视频
01:27Ethical Issues
983
Nurses are essential in patient care, upholding the ethical principles of their profession and effectively navigating ethical dilemmas. Neglecting ethical issues can lead to inadequate patient care, compromised therapeutic relationships, and moral distress among healthcare workers.
Ethical Concerns in Healthcare:
Ethical Concerns in Healthcare:
983
01:23Types of Biopharmaceutical Studies: Controlled and Non-Controlled Approaches
133
Biopharmaceutical studies constitute a vital field aiming to enhance drug delivery methods and refine therapeutic approaches, drawing upon diverse interdisciplinary knowledge. In research methodologies, the choice between controlled and non-controlled studies significantly influences the study's reliability and accuracy.
Non-controlled studies, commonly employed for initial exploration, lack a control group, rendering them susceptible to biases and external influences. In contrast,...
Non-controlled studies, commonly employed for initial exploration, lack a control group, rendering them susceptible to biases and external influences. In contrast,...
133
01:20Frustration and Conflict: Approach-Approach, Approach-Avoidance
68
Frustration occurs when people are obstructed or prevented from achieving a desired goal or fulfilling a perceived need. For example, when someone's input is ignored in a discussion, it can lead to feelings of frustration. Conflict, however, arises from opposing interests, goals, or actions. Conflicts can take various forms based on the nature of these opposing desires or goals.
One common type of conflict is the Approach–Approach Conflict. In this case, a person faces two desirable...
One common type of conflict is the Approach–Approach Conflict. In this case, a person faces two desirable...
68
01:29Issues And Trends In Healthcare Delivery System
5.6K
The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
5.6K
01:20Actuarial Approach
80
The actuarial approach, a statistical method originally developed for life insurance risk assessment, is widely used to calculate survival rates in clinical and population studies. This method accounts for participants lost to follow-up or those who die from causes unrelated to the study, ensuring a more accurate representation of survival probabilities.
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
80
01:14Frustration and Conflict: Avoidance-Avoidance, Double-Approach Avoidance
91
Avoidance-avoidance conflict refers to a psychological situation where a person must choose between two or more unpleasant alternatives. These conflicts are particularly stressful because neither option is desirable. This dilemma is often expressed in sayings like "caught between a rock and a hard place" or "between the devil and the deep blue sea." For instance, individuals who fear dental procedures may find themselves torn between enduring a painful toothache or facing the...
91