Risk Management Is In Place And Property Losses Are Reduced To Zero.

< p > > this a href= "http://sjfzxm.com/news/index_z.asp" > fire > /a > together with some other incidental events in 50s has promoted the rise of risk management activities in the United States.

Later, with the rapid development of economy, society and technology, human beings began to face more and more serious risks.

The progress of science and technology has brought enormous benefits to mankind, but it has also brought unprecedented risks to the society.

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The explosion accident of the Three Mile Island nuclear power plant in the United States of P in March 1979. In December 3, 1984, the Union Carbine Co had a gas leakage accident in a pesticide factory in India, and a series of incidents such as the nuclear accident in Ukraine Chernobyl nuclear power station in Ukraine, the former Soviet Union, greatly promoted the development of risk management in the world. At the same time, a new management discipline involving how to protect the personnel, property, responsibility and financial resources of the enterprise was first appeared in the US business school. This is the risk management.

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< p > at present, risk management has developed into a relatively independent function management field in enterprise management. In terms of enterprise's operation and development goal, risk management and enterprise's operation and management and strategic management are of great significance. Risk management includes risk measurement, evaluation and contingency strategy.

The ideal risk management is a series of prioritization processes, which can lead to the greatest loss and the most likely events to be prioritized, while those with relatively low risk are postponed.

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In the case of < p > a href= "http://sjfzxm.com/news/index_z.asp" > reality < /a >, the optimization process is often difficult to decide, because the risk and the possibility of occurrence are usually not consistent, so we must weigh the proportion of the two so as to make the most appropriate decision.

Risk management also faces the difficult problem of effective resource utilization.

This involves the opportunity cost factor.

The use of resources for risk management may reduce the resources available for rewarding activities, while the ideal risk management is hoping to spend the least amount of resources to resolve the greatest crisis as far as possible.

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< p > "risk management" was a compulsory course for executives in Western business to invest in China in the 1990s.

Many MBA courses were added to the link of risk management in those years.

Risk management measures the trade-off between reducing the risk's revenue and cost and deciding what measures to take.

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< p > Mr. Peng Jie thought that the process of determining the reduced cost benefit trade-off scheme (trade-off) and the action plan decided to take action, including deciding not to take any action, became risk management.

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< p > first, risk management must identify risks.

Risk identification is to determine which risks may have an impact on enterprises. The most important thing is to quantify the degree of uncertainty and the extent to which each risk may cause losses.

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< p > > a href= "http://sjfzxm.com/news/index_z.asp" > < /a >, risk management should focus on risk control, and companies usually adopt positive measures to control risks.

The purpose of control is achieved by reducing the probability of loss and reducing the extent of loss.

Mr. Peng Jie (official website gjjbjw.com) believed that the most effective way to control risks is to develop practical contingency plans, compile multiple alternatives, and make maximum preparations for the risks faced by enterprises.

When the risk occurs, the loss can be controlled to a minimum according to the implementation of the prior plan.

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< p > again, risk management should learn to avoid risks.

In the case of established goals, change the implementation path of the plan and eliminate the specific risk factors fundamentally.

For example, setting up modern incentive mechanism, training plan, and doing a good job of backup personnel can reduce the risk of knowledge workers' loss less than /p.

< p > Peng Jie thought that if you want to avoid risks, you must learn how to predict risks. Actually, risk prediction is to estimate and measure risks. The risk managers use scientific methods to systematically analyze and study the statistical data, risk information and the nature of risks, so as to determine the frequency and intensity of risks, so as to provide basis for selecting appropriate risk management methods.

The prediction of risk generally includes the following two aspects: < /p >

< p > the probability of predicting risk: < /p >

< p > by accumulating and observing data, we find the regularity of loss.

A simple example: there are ten fires in ten thousand houses in one period, and the probability of risk is 1/1000.

Therefore, we should focus on the risk of high probability.

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< p > predict the intensity of risk: < /p >

< p > suppose the risk occurs, causing the direct and indirect losses of the enterprise.

We should guard against risks that are easy to cause direct losses and large scale and extent of losses.

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< p > < strong > Ms. Peng Jie said that there are common ways to deal with the risks in the following aspects: < /strong > < /p >

< p > 1 avoid risk: avoid risk.

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< p > for example, to avoid fire, the house can be sold, so that aviation accidents can be changed to land pportation.

Because of the following problems, it is generally not used.

There may be additional risks.

For example, air pportation to land pportation, although it avoided aviation accidents, but faced with the risk of land pport vehicle accidents.

Will affect the realization of business objectives.

For example, in order to avoid production accidents and stop production, the income target of enterprises can not be realized.

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< p > 2 prevention of risk: < /p >

< p > take measures to eliminate or reduce the risk factors.

For example, in order to prevent flooding from storehouse, we should increase flood gates and heighten flood control levees, which will greatly reduce losses caused by floods.

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< p > 3: risk of self insurance: enterprises take risks themselves.

The way is: < /p >

< p > small loss is included in the cost of production and operation. Compensation is made by the enterprise's profit when the loss occurs.

An accidental loss fund is set up against the risk of large frequency and intensity.

The problem is to squeeze capital and reduce the efficiency of capital use.

For larger enterprises, a professional self insurance company should be established.

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< p > 4 pfer risk < /p >

< p > before the danger occurs, the risks can be pferred out by means of selling, pferring and insurance.

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