Copulas: an open field for risk management

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چکیده

One of the main issues of risk management is the aggregation of individual risks. A powerful concept to aggregate the risks — the copula function — has been introduced in finance by Embrechts, McNeil, and Straumann [1999,2000]. In their papers, the authors clarify the essential concepts of dependence and correlation and certainly will greatly influence the risk management industry. The goal of this paper is to provide simple applications for the practical use of copulas for risk management from an industrial point of view. First, we remind some basics about copulas. Then, some applications of copulas for market risk, credit risk and operational risk are given. We will not provide a full mathematical treatment of the subject and we refer interested readers to Joe [1997] or Nelsen [1999].

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تاریخ انتشار 2001