PRMIA 8020資料 & 8020考試大綱

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PRMIA 8020 考試大綱：

主題	簡介
主題 1	Risk Assessment: This section of the exam measures the skills of Financial Risk Analysts and covers methodologies for evaluating risks in different domains, including qualitative and quantitative approaches. It focuses on assessing vulnerabilities, threats, and potential impacts on business operations. A key skill measured is conducting risk impact analysis for financial threats.
主題 2	Risk Information: This section of the exam measures the skills of Risk Managers and covers the collection, analysis, and communication of risk-related data. It highlights the role of data-driven decision-making in mitigating uncertainties and ensuring compliance. A key skill measured is interpreting risk data for informed decision-making.
主題 3	Introduction: This section of the exam measures the skills of Risk Analysts and covers fundamental concepts of risk governance, management, and assessment. It introduces key principles, regulatory frameworks, and industry best practices for identifying and addressing risks. A key skill measured is understanding the foundational principles of risk management.
主題 4	Risk Management Framework: This section of the exam measures the skills of Risk Managers and covers the development and implementation of structured approaches for risk identification, evaluation, and mitigation. It includes industry-standard frameworks that guide risk strategy and decision-making. A key skill measured is establishing a risk management framework for organizations.
主題 5	Case Studies: This section of the exam measures the skills of Business Risk Consultants and covers real-world applications of risk management concepts. It examines case studies on risk governance, assessment, and mitigation strategies across different industries. A key skill measured is analyzing historical risk events for strategic insights.

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8020真實考試題庫

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最新的 PRM Certification 8020 免費考試真題 (Q13-Q18):

問題 #13
Confidence Accounting can be defined as:

A. An approach that encourages companies and audit firms to have diverse boards.
B. An approach that encourages companies and audit firms to use regular statements in their Al software.
C. An approach that encourages companies and audit firms to stop using figures and maths.
D. An approach that encourages companies and audit firms to use ranges, rather than discrete numbers, for major accounting entries.

答案：D

解題說明：
Definition of Confidence Accounting
Confidence Accounting challenges traditional accounting by introducing probability distributions and ranges rather than fixed numbers for financial reporting.
This approach improves transparency and risk awareness by acknowledging uncertainty in financial figures.
Why Answer B is Correct
Encourages using ranges (confidence intervals) instead of discrete values to better reflect uncertainty.
Used in risk-sensitive industries where financial estimates vary due to external factors (e.g., credit risk, market fluctuations).
Why Other Answers Are Incorrect
Option
Explanation:
A . An approach that encourages companies and audit firms to have diverse boards.
Incorrect - Board diversity is unrelated to Confidence Accounting.
C . An approach that encourages companies and audit firms to use regular statements in their AI software.
Incorrect - AI may use probability models, but Confidence Accounting is an accounting methodology, not an AI approach.
D . An approach that encourages companies and audit firms to stop using figures and maths.
Incorrect - Confidence Accounting still relies on mathematical models; it does not eliminate numerical analysis.
PRMIA Reference for Verification
PRMIA Financial Risk Reporting Standards
IFRS (International Financial Reporting Standards) Guidelines on Probability-Based Accounting

問題 #14
In operational resilience, what is impact tolerance?

A. Impact tolerance is a firm's tolerance for disruption to a particular business service.
B. Impact tolerance is a firm's risk appetite statement.
C. Impact tolerance is a firm's tolerance for disruption to a particular business process.
D. Impact tolerance is a firm's risk capacity statement.

答案：A

問題 #15
Ideally, the facilitator of a risk assessment workshop should:

A. Guide the workshop toward a pre-determined conclusion, based upon known industry identified risks.
B. Remain objective and refrain from expressing his or her own opinions.
C. Remind the attendees that they can override the results of the workshop once the risks are tallied.
D. Attend via a video connection to allow proper distance.

答案：B

解題說明：
Step 1: Role of a Risk Assessment Facilitator
The facilitator's main role is to guide discussions without bias, ensuring objective risk identification.
PRMIA's Risk Governance Framework highlights neutral facilitation as key to effective risk workshops.
Step 2: Why Option C Is Correct
Objectivity ensures unbiased risk assessment.
Expressing personal opinions can influence risk ratings, leading to distorted outcomes.
Step 3: Why the Other Options Are Incorrect
Option A ("Guide the workshop toward a pre-determined conclusion")
Incorrect because risk workshops should discover risks, not confirm pre-set beliefs.
Option B ("Attendees can override results")
Incorrect as risk results should be evidence-based, not subject to override.
Option D ("Attend via video connection")
Incorrect as facilitators must engage actively, making remote facilitation less effective.
PRMIA Risk Reference Used:
PRMIA Risk Governance Framework - Stresses objectivity in risk assessment facilitation.
PRMIA Risk Identification Best Practices - Encourages unbiased workshops.
Final Conclusion:
Facilitators must remain neutral and objective, making Option C the correct answer.

問題 #16
When a single operational risk event leads to losses in multiple business lines or impacts across several event types, how should these linked losses be treated?

A. Pro-rate the loss across the affected business line.
B. Allocate entire loss to the business line for which the loss is greatest.
C. Either allocate entire loss to the business line for which the loss is greatest or pro-rate the loss across the affected business line.
D. Each business line should take it's own discretion as to how the losses are treated.

答案：C

解題說明：
Step 1: Understanding Linked Losses in Operational Risk
In operational risk events, a single event can impact multiple business lines or event types (e.g., IT failure affecting retail banking and wealth management).
Proper loss attribution is important for accurate risk reporting and regulatory compliance under Basel III.
Step 2: Why Option C is Correct
Basel III and PRMIA guidance allow institutions flexibility in how to allocate linked losses:
Entire loss can be allocated to the business line with the largest loss impact for simplified reporting.
Loss can be pro-rated across affected business lines for more accurate attribution.
Step 3: Why the Other Options Are Incorrect
Option A ("Allocate entire loss to the business line with the greatest loss") → Partially correct, but not always required-some firms prefer pro-rating.
Option B ("Pro-rate the loss") → Partially correct, but allocating to the largest impacted business line is also acceptable.
Option D ("Each business line decides how to treat losses") → Incorrect because loss allocation should follow a defined policy, not business line discretion.
PRMIA Risk Reference Used:
Basel III Operational Risk Framework - Discusses loss attribution for multi-line impact events.
PRMIA Loss Event Management Guidelines - Supports both full allocation and pro-rating.
Final Conclusion:
Firms can either allocate the full loss to the most impacted business line or pro-rate it across affected lines, making Option C the correct answer.

問題 #17
Which of the follow does the risk function typically have responsibility for?

A. Putting in place the servers, firewalls and software to ensure cyber security.
B. Creating a trial balance, balance sheet statement and cash flow statement.
C. Documenting its activities, typically by operating and then recording the daily operation of controls.
D. Documenting its activities, typically by developing a Risk Management Manual and set of Risk Policies.

答案：D

解題說明：
Role of the Risk Function
The risk function is responsible for documenting, monitoring, and overseeing risk policies and frameworks.
It ensures the organization maintains structured risk governance, reporting, and compliance.
Key Responsibilities
Developing Risk Management Manuals to define risk appetite, risk frameworks, and risk governance structures.
Creating Risk Policies that align with regulatory standards and internal controls.
Why Answer B is Correct
The risk function primarily develops, implements, and maintains risk management frameworks, which include formal manuals and policies.
Why Other Answers Are Incorrect
Option
Explanation:
A . Documenting its activities, typically by operating and then recording the daily operation of controls.
Incorrect - The first line of defense (business units) handles daily operational controls, not the risk function.
C . Putting in place the servers, firewalls, and software to ensure cybersecurity.
Incorrect - Cybersecurity is an IT responsibility, while the risk function oversees cyber risk frameworks.
D . Creating a trial balance, balance sheet statement, and cash flow statement.
Incorrect - These are financial accounting responsibilities, not risk management duties.
PRMIA Reference for Verification
PRMIA Governance Framework for Risk Management
Basel Risk Management Principles

問題 #18
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