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首页> 外文期刊>The Journal of Operational Risk >Operational risk and the three lines of defence in UK financial institutions: is three really the magic number?
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Operational risk and the three lines of defence in UK financial institutions: is three really the magic number?

机译：操作风险和英国金融机构的三道防线：三个数字真的是神奇的数字吗？

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摘要

Interest in financial services firms developing and implementing robust systems and structures to manage operational risk has been growing. While there now appears to be some consensus in terms of definitions, quantification and modeling, firms are struggling with the qualitative side of operational risk management (ORM). This is particularly the case for financial institutions' operational risk governance, where the three lines of defence model has become standardized. At the same time, corporate scandals post-financial crisis continue to indicate deficiencies in operational risk governance. Our paper examines the three lines of defence in the context of ORM in UK financial institutions. It focuses on roles and responsibilities and then analyzes the effectiveness of the traditional three lines of defence model. We find a lack of common understanding of the lines of defence in financial institutions, which leads to the duplication of roles and gaps in coverage. This is concerning for the industry, the economy and regulators.
机译：金融服务公司对开发和实施健壮的系统和结构以管理运营风险的兴趣日益浓厚。尽管现在在定义，量化和建模方面似乎已经达成了一些共识，但是企业正在努力应对操作风险管理（ORM）的质性方面。金融机构的操作风险治理尤其如此，因为三道防线模型已经标准化。同时，金融危机后的公司丑闻继续表明操作风险治理方面的缺陷。本文研究了英国金融机构在ORM背景下的三道防线。它着重于角色和责任，然后分析了传统的三道防线模型的有效性。我们发现对金融机构的防线缺乏共识，这导致作用和覆盖范围的重复。这对于行业，经济和监管者而言都是令人担忧的。

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