,商业银行全面风险管理评估,徐天石 大中华区风险服务负责人 高级董事 标准普尔,ERM Evaluation Structure 全面风险管理评估结构,Two Angles to view ERM 对待全面风险管理的两个角度 Risk governance 风险治理 Operational risk 操作风险 Market risk 市场风险 Credit risk 信用风险 Liquidity and funding 流动性和融资来源,Original Silo approach for ERM 割裂地看待全面风险管理,Holistic view of ERM 全面风险管理应当整体有机地进行,ERM Evaluation Components 全面风险管理评估要素,Risk Governance风险治理,Risk governance is the most critical area of our evaluation, as it typically drives the quality and strength of an institutions risk manageme