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8020權威認證 & 8020測試

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PRMIA 8020 考試大綱：

主題
簡介

主題 1

Risk Assessment: This section of the exam measures the skills of Financial Risk Analysts and covers methodologies for evaluating risks in different domains, including qualitative and quantitative approaches. It focuses on assessing vulnerabilities, threats, and potential impacts on business operations. A key skill measured is conducting risk impact analysis for financial threats.

主題 2

Risk Governance: This section of the exam measures the skills of Compliance Officers and covers the policies, structures, and processes that define how organizations oversee risk. It explores regulatory compliance, ethical considerations, and corporate governance frameworks to ensure accountability. A key skill measured is applying governance frameworks to organizational risk policies.

主題 3

Introduction: This section of the exam measures the skills of Risk Analysts and covers fundamental concepts of risk governance, management, and assessment. It introduces key principles, regulatory frameworks, and industry best practices for identifying and addressing risks. A key skill measured is understanding the foundational principles of risk management.

主題 4

Case Studies: This section of the exam measures the skills of Business Risk Consultants and covers real-world applications of risk management concepts. It examines case studies on risk governance, assessment, and mitigation strategies across different industries. A key skill measured is analyzing historical risk events for strategic insights.

>> 8020權威認證 <<

8020權威認證 |驚人通過率的考試材料| 8020測試

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最新的 PRM Certification 8020 免費考試真題 (Q43-Q48):

問題 #43
Which of the following principles is critical when creating the optimum policy range and content'?

A. Hard copies of a new policy should be placed in a central library of governance documents at the CRO's home.
B. New policies should be accompanied by Citable training for the target audience and added to the content of new employee training.
C. Policy owners must ensure that policies are read by the regulator and then the shareholders.
D. Policies should be divided into a large number of short topics to enhance accessibility.

答案：B

解題說明：
Best Practices for Policy Development
Policies should be clearly written, well-structured, and accompanied by training to ensure employees understand their responsibilities.
PRMIA governance principles emphasize the need for training to enhance compliance and operational effectiveness.
Why Answer D is Correct
Training ensures policy adoption and understanding across the organization.
Integrating policies into new employee training helps embed governance and compliance culture.
Why Other Answers Are Incorrect
Option
Explanation:
A . Policies should be divided into a large number of short topics to enhance accessibility.
Incorrect - While policies should be structured for readability, excessive fragmentation can lead to confusion and inefficiency.
B . Policy owners must ensure that policies are read by the regulator and then the shareholders.
Incorrect - Policies are internal governance tools, not primarily for regulators or shareholders.
C . Hard copies of a new policy should be placed in a central library of governance documents at the CRO's home.
Incorrect - Policies should be centrally available within the organization, not at a personal location.
PRMIA Reference for Verification
PRMIA Governance Best Practices
ISO 31000 Risk Management Standards

問題 #44
Risk Sensitive pricing is required for several good reasons. Which one of the following is not relevant to the Management's evaluation of the correct approach to Risk Sensitive pricing?

A. To avoid the build-up of a skewed quality property portfolio.
B. To adequately reward the investors for the capital they gave us to put at risk.
C. To link personal targets to risk-adjusted return requirements would reinforce the desired risk aware, culture.
D. To ensure the income targets can be met or exceeded.

答案：D

解題說明：
Risk-sensitive pricing ensures that financial institutions and businesses properly account for risk in their pricing strategies to maintain stability and sustainability. PRMIA's Risk Pricing and Capital Adequacy Guidelines define the importance of risk-sensitive pricing in ensuring fair compensation for risk exposure and avoiding risk concentration issues.
Step 1: Why Risk-Sensitive Pricing Is Important
Aligns risk with return: Pricing should be designed to reflect the underlying risk and return trade-off.
Protects investors: Investors expect compensation for capital at risk (Option A is correct).
Reinforces risk-aware culture: PRMIA promotes linking incentives to risk-adjusted returns (Option B is correct).
Prevents adverse selection: Proper risk pricing prevents low-quality assets from accumulating (Option C is correct).
Step 2: Why Option D Is Incorrect
Income targets are business-driven, not risk-driven.
Risk-sensitive pricing aims to balance risk and reward, not just maximize revenue.
PRMIA discourages profit-seeking behavior at the expense of risk considerations.
PRMIA Risk Reference Used:
PRMIA Risk Pricing Guidelines - Defines the principles of risk-sensitive pricing.
PRMIA Risk-Adjusted Return Standards - Stresses linking incentives to risk-aware decisions.
PRMIA Capital Adequacy Framework - Highlights the role of risk-sensitive pricing in portfolio management.
Final Conclusion:
Risk-sensitive pricing is designed to align returns with risk exposure, not simply to meet or exceed income targets, making Option D the correct answer.

問題 #45
In relation to the template for writing policy documents, which one of the following pairings of requirements is correct? A well designed policy will include:

A. To whom and in what form exceptions should be sought and the general exemptions e.g. areas to which the policy does not apply
B. A list of acceptable fonts and margin types.
C. To whom the policy applies to and how an additional management report should be allocated to.
D. A list of exceptions for the family of board members.

答案：A

解題說明：
Step 1: Key Elements of a Well-Designed Policy Document
A well-designed policy should include:
Scope - Who the policy applies to.
Exception Handling - How and where exceptions should be requested.
Accountability - Who is responsible for enforcement.
Step 2: Why Option C is Correct
A policy must clearly define exceptions and the process for requesting them.
It should also define areas where the policy does not apply to avoid confusion.
Step 3: Why the Other Options Are Incorrect
Option A ("List of exceptions for board members' families") → Incorrect because policies should apply consistently to all stakeholders.
Option B ("List of acceptable fonts and margin types") → Incorrect because formatting is secondary to content clarity.
Option D ("To whom the policy applies and an additional management report") → Incorrect because policy scope should not include unnecessary reports.
PRMIA Risk Reference Used:
PRMIA Policy Writing Guidelines - Defines policy structure and exception handling.
ISO 19600 Compliance Management Standard - Supports clear, well-documented policies.
Final Conclusion:
A well-designed policy clearly defines exceptions and their handling process, making Option C the correct answer.

問題 #46
Which of the following statements best defines the properties of top-down key risk indicators?

A. Selected by senior management, tied to material external and internal loss exposures and scenarios, and used to manage changes in the business environment, especially under periods of stress.
B. Selected by senior management, used to manage changes in the business environment especially under periods of stress, and reported on a daily basis.
C. Selected by junior management, used to manage changes in the business environment especially under periods of stress, and reported on an annual basis
D. Can only be selected by the board in line with risk ratings.

答案：A

解題說明：
Definition of Key Risk Indicators (KRIs)
KRIs are quantitative metrics used to monitor risk levels and detect early warning signs of potential risk events.
Top-down KRIs are identified at the senior management level and focus on enterprise-wide risk exposure.
Key Properties of Top-Down KRIs
Selected by senior management to ensure alignment with strategic objectives.
Tied to material external and internal loss exposures to capture critical financial, operational, and strategic risks.
Used to manage changes in the business environment to ensure proactive risk response, especially under stress conditions.
Why Other Answers Are Incorrect
Option
Explanation:
B . Selected by senior management, used to manage changes in the business environment, especially under periods of stress, and reported on a daily basis.
Incorrect - Top-down KRIs are not reported daily; they are monitored periodically (e.g., quarterly).
C . Selected by junior management, used to manage changes in the business environment, especially under periods of stress, and reported on an annual basis.
Incorrect - Junior management does not define top-down KRIs; senior management does. Also, annual reporting is too infrequent.
D . Can only be selected by the board in line with risk ratings.
Incorrect - The board provides oversight, but senior risk management selects KRIs, not just the board.
PRMIA Reference for Verification
PRMIA Risk Indicator Guidelines
Basel Committee on Banking Supervision (BCBS) Principles for Effective Risk Data Aggregation

問題 #47
Internal loss data (ILD) consists of what kind of data?

A. It consists of the Key Risk Indicators of a bank.
B. It consists of historical operational loss incidents of a bank.
C. It consists of scenario data develeloped to calcuate the future operational loss incidents of a bank.
D. It consists of near miss operational loss incidents of a bank.

答案：B

解題說明：
Definition of Internal Loss Data (ILD)
Internal Loss Data (ILD) refers to historical records of actual operational losses incurred by a bank.
These losses are used for risk assessment, capital calculations, and trend analysis under Basel III's Operational Risk Framework.
Key Characteristics of ILD
Captures actual past loss events, such as fraud, system failures, and compliance breaches.
Supports the identification of risk trends and weak control areas.
Used for operational risk capital modeling, along with external loss data and scenario analysis.
Why Other Answers Are Incorrect
Option
Explanation:
A . It consists of near miss operational loss incidents of a bank.
Incorrect - ILD captures actual losses, while near misses are reported separately.
C . It consists of the Key Risk Indicators of a bank.
Incorrect - KRIs are forward-looking risk metrics, while ILD focuses on historical data.
D . It consists of scenario data developed to calculate the future operational loss incidents of a bank.
Incorrect - ILD is historical, whereas scenario data is used for predictive analysis.
PRMIA Reference for Verification
Basel III & PRMIA Operational Risk Data Framework
PRMIA Risk Management Standards for ILD

問題 #48
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