8020最新試験情報、8020試験概要

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PRMIAの8020の認定試験は当面いろいろな認証試験で最も価値がある試験の一つです。最近の数十年間で、コンピュータ科学の教育は世界各地の数多くの注目を得られています。PRMIAの8020の認定試験はIT情報技術領域の欠くことができない一部ですから、IT領域の人々はこの試験認証に合格することを通じて自分自身の知識を増加して、他の分野で突破します。TopexamのPRMIAの8020認定試験の問題と解答はそういう人たちのニーズを答えるために研究した成果です。この試験に合格することがたやすいことではないですから、適切なショートカットを選択するのは成功することの必要です。Topexamはあなたの成功を助けるために存在しているのですから、Topexamを選ぶということは成功を選ぶのことと等しいです。Topexamが提供した問題と解答はIT領域のエリートたちが研究と実践を通じて開発されて、十年間過ぎのIT認証経験を持っています。

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8020試験概要、8020ウェブトレーニング

我々はあなたが我々の8020問題集を通して試験に合格できるのを保証しています。もし不幸であなたが試験に失敗しましたら、あなたの成績書のスキャンをもらって、我々は全額であなたに8020問題集の金額を返金して、あなたの失敗するための経済損失を減少します。

PRMIA ORM Certificate - 2023 Update 認定 8020 試験問題 (Q11-Q16):

質問 # 11
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 tolerance for disruption to a particular business process.
C. Impact tolerance is a firm's risk capacity statement.
D. Impact tolerance is a firm's risk appetite statement.

正解：A

解説：
Impact Tolerance is a key concept in Operational Resilience, defined as the ability of a firm to withstand, respond to, and recover from disruptions. According to PRMIA and global regulatory frameworks (such as the Bank of England's Operational Resilience Framework), impact tolerance is specifically tied to business services rather than processes.
Step 1: Defining Impact Tolerance
Impact tolerance is the maximum acceptable level of disruption to an important business service, beyond which there would be intolerable harm to customers, financial markets, or regulatory obligations.
It is not the same as risk appetite or risk capacity, as those deal with broader organizational risk exposure.
Step 2: Why Business Services Matter
PRMIA defines business services as end-to-end services delivered to clients and stakeholders, such as payments processing, trade execution, or loan approvals.
Disruptions to these services directly impact customers and financial stability, making business service resilience the core focus of impact tolerance.
Step 3: Why the Other Options Are Incorrect
Option A ("tolerance for disruption to a particular business process")
Incorrect because impact tolerance applies to services, not just internal processes.
Option C ("a firm's risk appetite statement")
Incorrect because risk appetite focuses on how much risk a firm is willing to take, while impact tolerance is about surviving disruptions.
Option D ("a firm's risk capacity statement")
Incorrect because risk capacity is the maximum level of risk a firm can bear, which is broader than business service disruptions.
PRMIA Risk Reference Used:
PRMIA Operational Resilience Guidelines - Defines impact tolerance as a service-based metric.
Bank of England's Operational Resilience Framework - Establishes impact tolerance as a limit on business service disruption.
Final Conclusion:
Impact tolerance focuses on business services, not just internal processes or risk appetite, making Option B the correct answer.

質問 # 12
Which of the Basel Accords, published in 2004, introduced operational risk as a risk subjected to a capital charge?

A. Basel III
B. Basel II
C. Basel IV
D. Basel I

正解：B

解説：
Introduction of Operational Risk in Basel Accords
Basel I (1988) → Focused only on credit risk and market risk; operational risk was not yet included.
Basel II (2004) → Introduced operational risk as a separate category, subject to capital requirements.
Basel III (2010) → Strengthened capital and liquidity requirements but did not introduce operational risk.
Basel IV (2017, still evolving) → Adjusts Basel III reforms but does not introduce operational risk as a new category.
Why Answer B is Correct
Basel II (2004) was the first to introduce operational risk as a risk requiring a capital charge.
Why Other Answers Are Incorrect
Option
Explanation:
A . Basel I
Incorrect - Basel I focused on credit risk and market risk, with no capital requirements for operational risk.
C . Basel III
Incorrect - Basel III strengthened Basel II but did not introduce operational risk.
D . Basel IV
Incorrect - Basel IV refines Basel III but does not introduce operational risk as a new capital charge.
PRMIA Reference for Verification
Basel II (2004) Operational Risk Framework
PRMIA Operational Risk Management Guidelines

質問 # 13
Risk Sensitive pricing is required for several good reasons. Which one of the following is not relevant to the Management's evaluation of the correct approach to Risk Sensitive pricing?

A. To ensure the income targets can be met or exceeded.
B. To adequately reward the investors for the capital they gave us to put at risk.
C. To link personal targets to risk-adjusted return requirements would reinforce the desired risk aware, culture.
D. To avoid the build-up of a skewed quality property portfolio.

正解：A

解説：
Risk-sensitive pricing ensures that financial institutions and businesses properly account for risk in their pricing strategies to maintain stability and sustainability. PRMIA's Risk Pricing and Capital Adequacy Guidelines define the importance of risk-sensitive pricing in ensuring fair compensation for risk exposure and avoiding risk concentration issues.
Step 1: Why Risk-Sensitive Pricing Is Important
Aligns risk with return: Pricing should be designed to reflect the underlying risk and return trade-off.
Protects investors: Investors expect compensation for capital at risk (Option A is correct).
Reinforces risk-aware culture: PRMIA promotes linking incentives to risk-adjusted returns (Option B is correct).
Prevents adverse selection: Proper risk pricing prevents low-quality assets from accumulating (Option C is correct).
Step 2: Why Option D Is Incorrect
Income targets are business-driven, not risk-driven.
Risk-sensitive pricing aims to balance risk and reward, not just maximize revenue.
PRMIA discourages profit-seeking behavior at the expense of risk considerations.
PRMIA Risk Reference Used:
PRMIA Risk Pricing Guidelines - Defines the principles of risk-sensitive pricing.
PRMIA Risk-Adjusted Return Standards - Stresses linking incentives to risk-aware decisions.
PRMIA Capital Adequacy Framework - Highlights the role of risk-sensitive pricing in portfolio management.
Final Conclusion:
Risk-sensitive pricing is designed to align returns with risk exposure, not simply to meet or exceed income targets, making Option D the correct answer.

質問 # 14
For the FTX case study, what was the "backdoor" used for?

A. It allowed currency traders to smooth profits and conceal losses for over two years.
B. It allowed trading firm Alameda to borrow S65 billion of clients' money from the exchange without their permission.
C. It allowed a rapid pace of acquisitions but poor integration of acquired companies.
D. It allowed a stable coin to be removed from the ledger and added to the balance sheet.

正解：B

解説：
The FTX collapse involved fraudulent fund mismanagement, where FTX executives created a "backdoor" to allow Alameda Research (FTX's sister trading firm) to borrow client funds without their consent.
Step 1: The "Backdoor" in FTX
The backdoor was a hidden code in FTX's system, allegedly created by Sam Bankman-Fried, which allowed Alameda to access customer deposits without triggering alerts to auditors or compliance teams.
Alameda used these funds for risky trading strategies and investments, leading to the eventual collapse of FTX when a liquidity crunch exposed the missing funds.
Step 2: Why the Other Options Are Incorrect
Option A ("allowed a stablecoin to be removed from the ledger and added to the balance sheet") Incorrect because FTX's fraud involved misuse of customer funds, not just a stablecoin misclassification.
Option C ("allowed currency traders to smooth profits and conceal losses for over two years") Incorrect because this sounds more like LIBOR-rigging scandals, whereas FTX misappropriated client funds.
Option D ("allowed a rapid pace of acquisitions but poor integration of acquired companies") Incorrect because FTX's collapse was due to financial fraud, not poor acquisition strategy.
PRMIA Risk Reference Used:
PRMIA Financial Crime Risk Management - Discusses insider risk and fraudulent misappropriation of funds.
FTX Collapse Reports - SEC, CFTC, and DOJ filings confirm that Alameda had unauthorized access to client funds.
Final Conclusion:
FTX's backdoor enabled Alameda to take $65 billion in client funds without permission, making Option B the correct answer.

質問 # 15
Confidence Accounting can be defined as:

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

正解：B

解説：
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

質問 # 16
......

被験者は、定期的に計画を立て、自分の状況に応じて目標を設定し、研究を監視および評価することにより、学習者のプロフィールを充実させる必要があります。 8020試験の準備に役立つからです。試験に合格して関連する試験を受けるには、適切な学習プログラムを設定する必要があります。当社から8020テストガイドを購入し、それを真剣に検討すると、最短時間で8020試験に合格するのに役立つ適切な学習プランが得られると考えています。

8020試験概要: https://www.topexam.jp/8020_shiken.html

PRMIA 8020最新試験情報実はこれは普通なことです、PRMIA 8020試験概要証明書など、より便利な証明書ですか、使い安ク、便利で、全面的で、全部8020試験資料の特徴です、あなたは8020関連復習勉強資料を入手した後、我々は8020模擬真題の一年間の無料更新を提供します、PRMIA 8020最新試験情報しかし、当社の教材は、受験者が試験に簡単に合格するのに役立ちます、PRMIA 8020最新試験情報あなたはデモで我々のソフトの効果を体験することができます、もしあなたが初心者だったら、または自分の知識や専門的なスキルを高めたいのなら、TopexamのPRMIAの8020問題集があなたを助けることができ、一歩一歩でその念願を実現することにヘルプを差し上げます。

あっ、シャワー浴びるの忘れたところで、血がついているけれど平気かな、抱きたいから飯時の会話じゃないな、実はこれは普通なことです、PRMIA証明書など、より便利な証明書ですか、使い安ク、便利で、全面的で、全部8020試験資料の特徴です。

ユニークなPRMIA 8020最新試験情報 & 合格スムーズ8020試験概要 | 更新する8020ウェブトレーニング

あなたは8020関連復習勉強資料を入手した後、我々は8020模擬真題の一年間の無料更新を提供します、しかし、当社の教材は、受験者が試験に簡単に合格するのに役立ちます。

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8020最新試験情報、8020試験概要

8020試験概要、8020ウェブトレーニング

PRMIA ORM Certificate - 2023 Update 認定 8020 試験問題 (Q11-Q16):

ユニークなPRMIA 8020最新試験情報 & 合格スムーズ8020試験概要 | 更新する8020ウェブトレーニング