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Managing Risk Requires Asking the Right Questions

机译：管理风险需要提出正确的问题

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摘要

Risk management is a big task with lots of details-and risk managers can sometimes lose sight of the forest for the trees. What if there was a bigger-picture way to examine risk? Brian Ranson, a credit risk consultant from Toronto, suggests such an approach, advising banks to better forecast expected losses, thus leading to less volatility within the bank. Ranson-who spoke at ABA's recent Real Estate Lending Conference-explains that managing risk within a bank is often guided by diligent accounting standards and prudent regulatory requirements. Bankers can often get weighed down by these measurements, though, causing them to lose sight of their main objectives. That's a potentially harmful change, which is why he suggests learning how to more accurately predict expected losses. In order to do this, the bank needs to ask the right questions. Ranson provides two examples: 1. How much riskier is a one-year small business loan compared to the same loan over five years? 2. What is the normal life of a defaulted amortizing five-year loan?
机译：风险管理是一项艰巨的任务，其中包含许多细节，而且风险管理者有时可能会看不见森林。如果有更大的方法来检查风险怎么办？多伦多的信用风险顾问Brian Ranson提出了这种方法，建议银行更好地预测预期损​​失，从而减少银行内部的波动。兰森（Ranson）在ABA最近的房地产贷款会议上发言时解释说，银行内部风险的管理通常以勤奋的会计标准和审慎的监管要求为指导。不过，银行家经常会因这些衡量标准而感到沮丧，导致他们忽视了其主要目标。这是潜在的有害变化，因此他建议学习如何更准确地预测预期损​​失。为此，银行需要提出正确的问题。 Ranson提供了两个示例：1.与五年中的同一笔贷款相比，一年的小企业贷款的风险有多大？ 2.拖欠的五年期摊还贷款的正常寿命是多少？

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  • 来源
    《ABA Banking Journal》 |2015年第2期|52-52|共1页
  • 作者

    ASHLEY GUNN;

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