FRM例题在哪里能获取？有解析吗？

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All the following are operational risk loss events, except:

A) An individual shows up at a branch presenting a check written by a customer for an amount substantially exceeding the customer’s low checking account balance. When the bank calls the customer to ask him for the funds, the phone is disconnected and the bank cannot recover the funds.

B) Abank, acting as a trustee for a loan pool, receives less than the projected funds due to delayed repayment of certain loans.

C) During an adverse market movement, the computer network system becomes overwhelmed, and only intermittent pricing information is available to the bank’s trading desk, leading to large losses as traders become unable to alter their hedges in response to falling prices.

D) Aloan officer inaccurately enters client financial information into the bank’s proprietary credit risk model.

答案：B

解析： Statement a. represents external fraud, which is included in operational risk. Statement c. represents a systems failure. Statement d. is a failure in internal processes.

Which of the following is a weakness of the top-down approach to measuring operational risk?

A) It fails to consider historical information

B) You cannot use earnings volatility as an indicator of risk potential in this approach

C) Information on specific sources of risk is not provided

D) It is based on the specific mapping of business units, and not the overall organization

答案：C

解析：The top-down approach does not provide information on specific sources of risk. It levies an overall cost of operational risk to the entire firm. Ais incorrect. The top-down approach is based on historical information. B is incorrect. Earnings volatility is suggested as an indicator of risk potential for this approach. C is correct.

Information on specific sources of risk in the organization is not provided. D is incorrect. This is a strength of the bottom up approach, not a weakness of the top-down approach.

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