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　　Exercise：
　　You are asked by your manager to match the following events to the corresponding type of risk. The events are:
　　Event:
　　IInsufficient training leads to misuse of order management system.
　　IICredit spreads widen following recent bankruptcies.
　　IIISwaps with counterparties exceed counterparty credit limit.
　　IVCredit swaps with counterparty cannot be netted because they originated in multiple jurisdictions.
　　Which of the following statement is correct?
　　A.I and II are operational risk.
　　B.I and III are operational risk.
　　C.I and IV are operational risk.
　　D.III and IV are operational risk.
　　Answer: B
　　Insufficient training lead to misuse of order management system is an example of operational risk.
　　Widening of credit spreads represents an increase in market risk.
　　III is an internal operational failure. It is operational risks.
　　When a contract is originated in multiple jurisdictions leading to problems with enforceability, there is legal risk.
　　相關(guān)知識點：Classifications of Risks
　　Market risk is the risk that declining prices or volatility of prices in the financial markets will result in a loss.
　　Credit risk is the risk of an economic loss from the failure of the counterparty to fulfill its contractual obligations.
　　Operational risk is the risk of loss due to inadequate monitoring systems, management failure, defective controls, fraud, and /or human errors.
　　Liquidity Risk: The term “liquidity” has been defined in myriad ways that ultimately boil down to two properties, asset liquidity risk, a property of assets or markets, and funding liquidity, which is more closely related to credit-worthiness.
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