虽然压力测试是业界经常讨论的话题,但是仍缺乏一个普遍接受的最佳定义。本刊特约撰稿人大卫·罗(David Rowe)提出了一个“三管齐下”的方法。我们在考虑基本上不可能发生的事件时存在一些困难:要么认为这些事件与我们无关而忽视它们,要么对它们过度关注,过度反应。这两种极端状态哪个占上风,往往取决于我们在近期是否经历过一些事,这些经历会使我们夸大某些事件的影响。比如,现在很多人对遭到恐怖袭击的危险特别关注,但是对被雷击的关注度却很低,其实两者造成伤亡的概率都很 Although stress testing is a topic of constant discussion in the industry, there is a lack of a generally accepted best definition. Our authoritarian writer David Rowe proposed a “three-pronged approach.” We have some difficulties in considering events that are not likely to occur in the most: either they are considered ignoring us or they are overextended and overreacted to them. Which of these two extreme states prevail often depends on whether we have experienced something in the near future that will exaggerate the impact of certain events. For example, many people are now paying particular attention to the danger of being attacked by terrorist attacks, but their attention to being struck by lightning is very low. In fact, both have the potential to cause casualties