Pursuing the Goals while Managing the Risks Improved client services—that will ultimately help the World Bank Group deliver

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问题          Pursuing the Goals while Managing the Risks
    Improved client services—that will ultimately help the World Bank Group deliver on its goals—can only happen within a strong risk management culture and framework that preserves the Bank Group’s reputation and financial sustainability in an increasingly uncertain and challenging environment. The Bank Group’s approach involves actively taking, while carefully managing, risks in pursuing its objectives. It seeks to ensure that risks are adequately assessed, measured, monitored, and reported so that corrective action, if necessary, can be taken in a timely manner and impacts mitigated. As the environment changes and as new risks emerge, this process will evolve.
    The Bank Group faces a variety of risks related to development impacts, environmental and social safeguards, integrity, and financial management. It manages them through a customized risk rating and regular monitoring system as well as through engagement with clients. It manages other risks, including financial and operational risks, using leading industry practices and standards adapted to the Bank Group’s purposes.
    The external challenges are many. They include a low interest rate environment, which affects income; the impact of low oil prices on some country clients; geo-political tensions, which affect some of the Bank Group’s areas of operation; the risks of economic slowdown, which are facing some developing countries; and policy normalization in developed markets, which can heighten volatility in currencies and capital flows to some emerging market economies. Finally, the Bank Group continues to face operational risks, including the growing threat of data and information security breaches and external events that can impact business continuity and the physical security of its staff.
    As both a development and a financial institution, the World Bank Group faces special challenges in the current environment. Initiatives in 2015 on financing for development, the Sustainable Development Goals, and climate change will affect the development agenda for years to come. The emergence of new multilateral development institutions creates both opportunities and challenges for creative partnerships and requires fresh thinking about the financial structure of the World Bank Group.
    These changes are occurring against a backdrop) of major internal organizational reform and an uncertain external environment. Internal reform is being stabilized, although the impact on staff and program delivery still needs to be carefully managed. Budgeting effectively and securing resources for financial sustainability will also be key components of building stability.

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答案 管理风险、实现目标 只有在强有力的风险管理文化和框架中,客户服务才能得以改善。正是因为有了这样有力的管理文化与框架,世行集团的名誉和财务可持续性才能在不稳定性和挑战性日益增加的情况下得以保护,而客户服务的改善最终将能帮助世行集团实现自己的目标。世行集团的做法是在实现目标的过程中既能积极承担风险,又能小心管理风险,要 确保风险能够充分评估、衡量、监督和报告从而在必要的情况下及时采取修正措施,降低风险影响。在情况发生变化,出现新的风险时,这一过程将继续发展。 世行集团面临一系列发展影响、环境和社会保障、廉政和财务管理的风险。世行通过特定的风险评级、定期监督系统以及客户合作来管理这些风险。世行还利用符合集团目标的行业领先措施和标准管理金融和业务运营等其他方面的风险。 世行集团也面临很多外部挑战,包括影响收入的低利率环境;低油价对部分客户国的影响;影响世行集团在部分地区业务的紧张的地缘政治局势;一些发展中国家经济放缓的风险以及增加货币波动性和新型市场经济体资本流入波动性的发达市场政策的正常化。最后,世行集团还不断面临新的业务运营风险,包括日益严峻的数据和信息安全漏洞的威胁以及影响世行业务连续性和职员人身安全的外部事件。 世行集团既是发展机构也是金融机构,在当前形势下它还面临着特殊的挑战。2015年发展融资倡议,可持续发展目标和气候变化将影响未来几年的发展议程。新的多边开发机构的成立为创造性的伙伴关系开辟了新的机遇也带来了新的挑战,这些都要求对世行集团的财务结构进行全面的思考。 这些挑战是在主要内设机构进行改革和外部环境出现不确定的形势下发生的。虽然内部改革不断稳定,但是改革对职员和项目交付的影响仍然需要慎重管理。预算有效性和确保财务可持续性的资源也将成为确保稳定性的关键因素。”

解析     本文选自世界银行发布的《世界银行2015年度报告》(World Bank Annual Report 2015),选段部分介绍并分析了世界经济及金融的现状与发展前景,涉及经济学与金融学知识,内容较专业,需要考生具有较强的逻辑思维能力和一定的经济学常识。
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