来自：FRM > 一级 > 电脑版 > Unit 17.信用和操作风险 2020-11-15 11:14
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liuxuyao 2020-11-16 10:54
致精进的你:
Top-down models rely primarily on aggregate historical data. Therefore, they are relatively simple and do not differentiate between high-frequency low-severity events and low-severity, high-frequency events because both are pooled together in the data. The aggregated nature of the data also limits the amount of data used in these models. A limitation of aggregated data, however, is that top-down models do not have diagnostic capabilities like bottom-up models that dissect processes into individual components.
The real talent is resolute aspirations.
真正的才智是刚毅的志向。
