查询词典 risk note

This paper applies Risk-based strategic-systems audit mode to build framework of enterprise materially misreport risk assessment. Advanced technology of computer auditing is used in diverse audit analysis procedure. In order to construct a scientific evaluating system, Case- Based Reasoning is also applied in this research to identify and estimate the risk factor more correctly in auditing. This system will achieve at debasement of audit risk by avoiding blind audit effectively, using audit resources reasonably and making pertinent audit program.

本文运用现代风险导向审计的理念，构建审计企业重大错报风险评估框架；先进的计算机审计技术应用于多样性的分析性复核中；基于案例的推理技术引入到审计风险评估研究中，建立一套科学的评估体系以便较为准确的识别、评估审计中的风险因素，以期达到有效避免盲目审计，合理分配审计资源，有针对性地执行审计程序，从而实现降低审计风险的目的。

We obtain the risk process involved in this model,the statistical properties of the surplus process,and statistical features of the claim numbers and the probability distribution of the total amount of compensation.The three types of business of the risk model is given when the number of claims obey Poisson distribution and negative binomial distribution.We make a comparison between the risk model built in the thesis and the classic risk models with independent claim numbers when the amount of claims obey Weillbull distribution and Exponential distribution.The results have a good practical significance.

其次，考虑不同险种间的相互关系，建立了一种含有主副理赔的风险分析模型；借助随机过程和经典风险理论，对该风险模型所涉及的风险过程、盈余过程的统计特性以及理赔总额的概率分布、数字特征和矩母函数进行解析研究，给出了主理赔次数服从泊松分布和负二项分布的这种风险模型的具体实例，并在理赔额变量服从Weillbul分布和Exponential分布的情况下，把文中所建风险模型和理赔次数相互独立的风险模型作了比较，所得结果有很好的现实意义。

However, due to the influences of the traditional thought pattern and the mainstream media propaganda, as well as the lagging risk education and the lack of relevant systems, the public has limited rational risk consciousness, and their understanding of the risk omnipresence and responsibility to undertake the risk are insufficient.

但由于受传统思维模式、主流传媒宣传的影响，风险意识教育的滞后和相关制度的缺失，公众的风险理性意识程度较低，对风险的跨时空性认识不够，缺乏承担风险责任的主体意识。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

In the first part of this paper, we concentrate on the categories and character of operational risk, discuss the important affect on financial institution. The present situation of operational risk management in Chinese financial institution is also briefly introduced. In the second part of this paper, the strategy, organization structure and management process of operational risk management is discussed, and some main methodology and system of the internal control of operational risk management in international financial institution are listed here.

本文第一部分简要地介绍了操作风险的分类和基本特征，并分析了操作风险对金融机构的重要影响和我国金融机构操作风险管理现状；第二部分着重讨论操作风险管理的战略，操作风险管理的组织结构、管理流程，以及操作风险管理的内部控制过程，并列举了一些国际上通常的内部控制手段和制度。

After affirming risk grade, the business of high risk door, reject to cooperate with them, those who reject the risk in receiving; is OK receive, after be being received, should undertake the monitoring of a later period still has low risk of rehear nucleus;, receive policy relatively the meeting is a few fuller.

确认风险等级后，高风险的商户，则拒绝与他们合作、拒绝接入；中风险的可以接入，接入后要进行一个后期的监控还有再审核；低风险的，则相对接入政策会宽松一些。

With the analysis of the situation in the management of risk operation, the dissection of an ecomomic case ( delfalcation comitted by a bank member) and the references from advanced counterparts, the paper comes up with some countermeasures to prevent and control the risk operation: to perfect the management organization, to strengthen the inside-control construction, to reselect the business flow; to enhance the controling of the risk operation, to innovate the supervising methods, to improve the management, to intensify all-staff involvement and to construct a risk culture.

本文通过对江苏AB银行操作风险管理现状的分析，通过对一个内部员工挪用资金案例的解剖和先进同行风险管理经验的借鉴，得出防范和控制操作风险的对策。完善治理结构，强化内控建设；再选业务流程，加强风险控制；创新监管方法，提升管理水平；强化全员参与，培养风险文化。

This paper respectively researched the appraisal methods of quantified reserve for bad debts and capital at risk for credit risk, market risk and operating risk after determining a confidence level.

本文分别研究了确定一定的置信水平α后，对信用风险、市场风险和操作风险的量化和损失准备金、风险资本的估计方法。

Around the two major risks, the necessities and possibilities are analyzed that insurance companies go on the market from the aspects of the present conditions of Chinese insurance companies and the theory on the gathered underwrite risk. Then, through building the model of the scatteration of the gathered underwrite risk and portfolio risk, the function of scattering risk of going on the market is further expoun...

本文围绕着这两大风险从我国保险公司的现状和承保风险集聚的理论方面分析保险公司上市的必要性和可能性，然后，通过建立承保集聚风险分散和组合投资风险分散的模型，进一步从理论上阐明上市分散风险的功能，最终得出上市是发展我国保险事业的有效途径的结论。

Spectral Measures of Risk is the new risk measurement in recent years. Because of its eminent properties, Spectral measure of risk is given attentions by more and more researchers in particular, and becomes a lstest research content in financial risk management.

风险的谱度量是近年来提出的新的风险度量方法，它具有许多优良性质，引起了众多研究者的注意，成为金融风险管理中研究的前沿课题。

We have limited budget let me know if you can do this competitively.

我们有限的预算让我知道如果你能做到这一点竞争力。

We don't know how other critters breathe--lizards, for example.

我们还不知道诸如蜥蜴之类的动物如何呼吸。