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1、外文翻譯原文：原文：CrisisChangesViewofRiskManagementRiskmanagementthelackthereofliesattheheartoftodaysbankingcrisis.Theinabilitytofullyappreciateriskexposuretosufficientlyconsiderthefullarrayofriskimplicationsassociatedwithpartic

2、ularbusinessstrategiestacticshasplacedmanybankinginstitutionstheeconomyatlargeinperil.AsthefinancialcrisisreshapestheU.S.bankingindustrybankexecutivesboardsareexplingnewwaystobettermanagerisk.Manynowembracethenotionthatt

3、hecapacitytoidentifymeasuremonitcontrolriskholisticallytohavethatviewinfmdecisionmakingthroughouttheganizationisperhapsthemostimptantgovernanceobjectiveabankcanhave.Ernst&Youngsurveyedtopexecutivesatnearly40globalbanksto

4、learnhowtheyareaddressingriskmanagementtoday.Thisarticlediscussesthestateofriskmanagementdescribeshowbanksareelevatingthestrategicimptanceofriskmanagementexaminessomeoftheculturalgovernancechangesthataretakingplacedescri

5、beshowriskfecastingreptingneedtochange.FinancialCrisisChangesViewofRiskManagementOnly14percentofbankexecutiveswhoparticipatedinthesurveysaidtheyhadacomprehensiveviewofriskacrosstheirganization.Thisnumbermustchangeifbanks

6、aretomakeasizabledentinmanagingriskmeeffectivelyacrosstheenterprise.Infactmanysenibankexecutivesaremobilizingtoaddressdeficienciesintheirriskmanagementprocesses.Methanhalfofrespondentstooursurveysaidtheirbanksarealreadym

7、akingimprovementstoriskmanagement.Banksaremakinganumberofsubstantiveimprovementstotheirriskgovernancestructuresriskmanagementsystems:Executivesarerepositioningpeoplereassessingrolesresponsibilitiessothattherightpeopletea

8、mstalentareinapositiontooverseemarketriskdecisionmakingpositions.BanksneedtorecognizethatriskisnolongersimplyaCROissue.Riskmanagementmustbemanagedownedwithinthebusinessunitsoverseenbythegovernancebodiesatthemostsenilevel

9、softheganization.Firmsshoulddevelopstrategicriskgroupsthatincludesenimanagementthecompanysboardcompliancestaffbackofficepersonneltechnologystaffamongothers.Theseindividualsmustbegiventherightincentivestechnologyprocesses

10、ganizationalclouttomakeharddecisionsthataffectthecompanysriskexposure.DefiningRiskGovernanceRiskManagementTohaveeffectiveriskmanagementanganizationneedsgreatgovernance.Riskgovernanceinvolvestheboardsettingriskstrategyapp

11、etitesenimanagersunitchiefsexecutingthosestrategiesriskcontrollerscontinuouslymeasuringthefirmsriskexposure.Stronggovernancestrategiesprocesseswillsettheframewkdirectionfallconcernedtoeffectivelymanageriskacrosstheganiza

12、tion.Anoverwhelmingmajity(85percent)ofrespondentssaidriskgovernanceprojectsareunderwayintheirbusinesses.Banksareinstitutingaviewofriskmanagementthatbeginswithsenimanagementbeingactivelyinvolvedinreviewingriskappetitecapa

13、city.Butriskgovernancedoesnotstopthere.Effectiveenterpriseriskmanagementrequiresariskgovernancemodelthatfosterstopdownoversightdirectinvolvementfromtherisktakersonthefrontlines.Itisfundamentallyrelatedtothecapacitywillin

14、gnessofthegovernancebodies—directssenimanagers—tochallengebusinessesthatarethrivinggainabetterunderstingofunderlyingrisk.Leadershipmustrewardacteristicsthatwillhelptheganizationmeetitsestablishedgoalswhilecomplyingwithth

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