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Risk Management System

Risk identification, risk estimation and risk assessment

risk management Risk Management System refers to Organization management system Middle and Managing risk A collection of related features. Including risks respectively Management Policy 、 Organizational functions System internal control system And risk conduct financial transactions These four aspects of measures.

Chinese name: Risk Management System
Foreign name: Risk Management

Include: save Operating costs 、 reduce risk incidence rate
Basic procedures: Risk identification 、 Measuring Risks 、 risk evaluation

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definition

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Good risk management Helps to reduce the probability of decision-making errors, avoid the possibility of losses, and relatively improve the enterprise's own added value .

Then the risk management system means everything related to market finance, marketing, production, etc Uncertainty Factors.

risk management

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Liu Chuanzhi There is a saying: jump out of the picture to see the picture. In management, we need to always consider the issues comprehensively. "The onlooker is the onlooker". Many times, we need the managers of enterprises to be the onlooker and look beyond the things themselves, so that we may find new things.

An effective risk management system and plan usually includes risk management and non risk management. Sometimes, non risk management is even more important than risk management. From this perspective, management is an art. However, few enterprises fully explore Credit risk management The key principle of the "" is that there is no in-depth thinking at the strategic level, and there is no active response at the strategic level. It is often headache and foot pain. There is little systematic thinking about the ways and methods of doing things, and there has always been no effective methodology and management system.

management objectives

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Risk management objectives It consists of two parts: risk management objectives before loss and risk management objectives after loss, including saving Operating costs . Risk reduction incidence rate Reduce anxiety; Maintain the continuous survival of the enterprise, production services, stable income, continuous growth of production, and commitment social responsibility 。

Basic procedures

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The basic procedures of risk management include Risk identification 、 Measuring Risks 、 risk evaluation 、 Risk Management and Risk management effect evaluation And so on. risk control process It mainly includes dynamic monitoring Risk warning as well as risk aversion Etc.

Risk category

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I market risk : The risk that market price fluctuations may cause losses in the operation or investment of the enterprise, such as the impact of changes in interest rates, exchange rates, stock prices, etc. on the profits and losses of related positions.

II credit risks : The risk that the counterparty is unable to pay for the goods, or there is no way to claim compensation due to malicious bankruptcy.

III Liquidity risk : Risks affecting the enterprise's capital dispatching capability, such as liability management , Assets Liquidity Emergency flow Strain capacity 。

IV Operation risk : Risks to the enterprise caused by poor operation system and careless operation, such as poor or contradictory process design, careless operation execution internal controls Not implemented.

V Legal risk The risk that the completeness and effectiveness of the contract may cause to the enterprise, such as the legality of undertaking business, the recognition of foreign language contracts and foreign laws and regulations.

VI Accounting risk : The possible risks of accounting treatment and tax on the profit and loss of the enterprise, such as the appropriateness of accounting treatment Legitimacy 、 Tax Consultation And whether the treatment is complete.

VII Information risk : Inappropriate security control, operation and backup of the information system lead to enterprise risks, such as system obstacles, crashes, and data destruction, safety protection or Computer virus Prevention and treatment, etc.

8、 Strategic risk: on Competitive environment Medium, enterprise choice market niche or Core products Risk of misconduct.

processing method

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（1） Avoiding risks 。

（2） Risk prevention 。

（3） Retained risk 。

（4） Transfer risk 。

Processing

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Risk identification

one Internal environment

Internal environment Include the tone of the organization, including risks management philosophy and Risk capacity , integrity and moral values, and the business environment 。

2. Goal setting

You must have a goal first, Administration To identify potential issues affecting the achievement of objectives. Ensure that the selected target supports and fits the mission of the subject and is consistent with its risk capacity.

3. Event identification

It is necessary to identify internal and external matters that affect the realization of the subject's objectives, and distinguish between risks and opportunities.

risk assessment

1. Conduct risk assessment 。 At the beginning of the project, as well as major turning points or important Project change When it happens.

2. Systematically identify risks. It is necessary to identify internal and external matters that affect the realization of the subject's objectives, and distinguish between risks and opportunities.

risk analysis

1. Identify risk drivers.

2. Analyze risk sources. Risk source is the root cause of risk.

3. Predict the risk impact.

4. Prioritize risks according to risk impact. The risk severity of the highest priority risk is equal to 1, and the risk severity of the lowest priority risk is equal to 20. Give priority to high level risks.