FRM真题练习，助力通过FRM考试！

发布时间：2021-04-08 09:21编辑：融跃教育FRM

FRM真题是对历年考试习题的整理，不仅能够帮助考生提前了解相关的考试的模式，还能帮助考生巩固相关的金融知识。因此说，在备考中做一定的练习是必不可少的。下文是对FRM真题的列举，一起看看吧！

George is a trader at a large commercial bank who has continued to increase his bonus each year by producing more and more profit for the bank. In order to increase profits, George has been forced to increase the riskiness of his positions despite the written risk appetite and tolerance statements provided to all employees of the bank. The bank seems happy with his performance so George takes that as a sign of approval of his methods for improving profitability. Which of the following pairs of the 11 fundamental principles of risk management has the bank most clearly violated in this situation?》》》点击领取2021年FRM备考资料大礼包（戳我免费领取）

A) Principle 1 (a strong risk management culture) and Principle 11 (the bank should make clear disclosures of operational risks to stakeholders).

B) Principle 2 (develop an integrated approach to operational risk management).

C) Principle 3 (approve and review the operational risk framework) and Principle 4 (develop risk appetite and tolerance statements).

D) Principle 5 (develop a well-defined governance structure) and Principle 6 (understand the risk and incentives related to risk inherent in the bank’s business lines and processes)

答案：D【资料下载】[融跃财经]FRM一级ya题-pdf版

解析：It is clear that the bank has not considered the incentives that are related to risk taking in the bank. George has been given the risk appetite and tolerance statements but senior managers keep rewarding George for high returns and seem to be ignoring the fact that they are the result of higher risks. Thus, there are incentives linked to increasing risk. The governance structure may or may not be well defined, but regardless, is not being adhered to. Based on the choices provided, the best match for the scenario is a violation of Principles 5 and 6.

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