1. A computer-assisted method comprising: identifying, by a computer device, a set of risk assessments, a set of control assessments, and a set of realized financial losses; translating, by the computer device, the set of risk assessments and the set of control assessments to a set of risk states and a set of risk points across four dimensions, the dimensions including people, process, systems, and external events, wherein the set of risk assessments list a residual risk and a direction of risk for each of the four dimensions and the set of risk states and the set of risk points list a risk state and a risk point for each of the four dimensions; determining, by the computer device, a set of aggregate risks comprising an aggregate of the set of risk points across the four dimensions, wherein each aggregate risk of the set of aggregate risks corresponds to a particular risk state and is determined by combining risk points associated with the particular risk state of the four dimensions; conducting, by the computer device, data analysis and statistical analysis on the set of realized financial losses, the set of risk states, the aggregate risk, and the set of risk points, wherein the data analysis and the statistical analysis includes a qualitative comparison and analysis and a quantitative comparison, wherein the quantitative comparison includes a regression analysis and a correlation analysis; and conducting, by the computer device, a risk-based capital adjustment using empirical results of the qualitative comparison and analysis with the set of realized financial losses.