金融风险管理框架是什么？

中文：

金融风险管理框架是指金融机构为了有效识别、评估、控制和监控金融风险而建立的一套系统性、规范性的管理框架。其目的是确保金融机构在风险可控的前提下实现稳健经营，保障投资者和客户的利益。

金融风险管理框架主要包括风险识别、风险评估、风险控制和风险监控四个环节。风险识别是指金融机构通过收集和分析各类信息，识别出可能对其业务产生不利影响的各类风险。风险评估是指对识别出的风险进行量化分析，评估其发生的可能性和影响程度，为风险控制和监控提供依据。风险控制是指金融机构采取一系列措施，对识别出的风险进行管理和控制，降低风险发生的概率和影响程度。风险监控则是指对风险控制措施的实施效果进行持续监测和评估，及时发现并处理风险事件，确保风险管理工作的有效性和及时性。

金融风险管理框架对于金融机构来说具有重要意义。它不仅能够帮助金融机构更好地识别和评估风险，还能够为风险控制和监控提供明确的方向和依据，提高风险管理的针对性和有效性。同时，金融风险管理框架还能够促进金融机构内部各部门之间的协作和沟通，确保风险管理工作能够全面、有效地覆盖到各个业务领域。

英文：

What Is the Financial Risk Management Framework?

The financial risk management framework refers to a systematic and standardized management framework established by financial institutions to effectively identify, assess, control, and monitor financial risks. Its purpose is to ensure the sound operation of financial institutions under controllable risks and protect the interests of investors and customers.

The financial risk management framework mainly comprises four components: risk identification, risk assessment, risk control, and risk monitoring. Risk identification involves the collection and analysis of various information by financial institutions to identify potential risks that could adversely affect their business. Risk assessment involves the quantitative analysis of identified risks to assess their likelihood and impact, providing a basis for risk control and monitoring. Risk control refers to the measures taken by financial institutions to manage and control identified risks, reducing their probability and impact. Risk monitoring involves the continuous monitoring and evaluation of the effectiveness of risk control measures, promptly detecting and addressing risk events to ensure the effectiveness and timeliness of risk management efforts.

The financial risk management framework is crucial for financial institutions. It not only helps financial institutions better identify and assess risks but also provides clear directions and bases for risk control and monitoring, improving the targetedness and effectiveness of risk management. Additionally, the financial risk management framework promotes collaboration and communication among various departments within financial institutions, ensuring that risk management efforts comprehensively and effectively cover all business areas.