Improvement of integrated risk management and prompt and appropriate actions to changes in the environment  The second challenge is how to make the integrated risk management framework more sophisticated as well as take prompt and appropriate actions to respond to changes in the environment.
Many financial institutions need to take on various risks over the short term and long term to smoothly satisfy their customers’ needs. The more capital a financial institution holds, the more risks it can manage. What is required of financial institutions is to take on risks using a finite amount of capital, thereby satisfying customer needs and maximizing their profits.