RiskManagement讲解.pptVIP

Risk Management Risk Management is now a Core Business Process 风险管理成为经营活动的核心 As the ability for senior executives and finance professionals to manage risk effectively is just as important as generating profits. 作为高级管理人员及财务专业人士，有效地进行风险管理跟获取利润同样重要. Development of Risk Management风险管理的新发展 Financial and Insurance markets are no longer so clearly delineated and products cross into both areas.财务和保险行业的界线和产品互相渗透 Insurance is no longer seen as the automatic solution to deal with risk.保险不再是唯一选择 Good communication and a learning culture are the key points to effective risk management.好的信息交流和知识学识是风险管理的关键 Management of Risk 风险管理 Enterprises in the same industry, facing similar risks, will often choose different risk management strategies. 同行业内的不同企业会采取不同的风险管理策略 Each company needs to have a property continuous risk management process. 但每个企业需要持续的风险管理 Identifying risks 风险识别 Select the appropriate approaches and transferring or avoiding those we are not competent or willing to manage选择适当的方式转移或避免不能胜任或违被意愿的管理 Implementing controls to manage the remaining risks 对已存在风险进行有效控制和管理 Monitoring the effectiveness 监测效果 Learning from experience, sharing with the people, and making improvements实践中学习，与人分享，从而提高 Risk Management Process风险管理分类 Operational 经营运作方面 - deficiencies in information systems or internal controls will result in unexpected loss. Sources of operating risk include inadequate procedures, human error, system failure or fraud系统或内部控制缺乏导致意外的损失，经营风险的源头包括制度不完整，人为过失，系统故障 Financial财务方面 - including currency, interest, credit…包括货币，利息，信贷 Compliance 法律规定 - laws, regulations including health and safety法律规定包括卫生安全 Environmental周边环境 Identifying and Ranking the Risks 风险识别和定级 Identification: Starting with internal self-assessment exercises.风险识别：从内部自检开始 Evaluation: Likelihood of occurrence severity, if occur 评估：发生的可能性及一旦发生的严重性 Impact Measured: Method chosen must be clear and easily understood by everyone in the organization 影响估量：必须选择每位公司工作人员都能明白易懂的方法 Defining Ap