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随着知识经济、信息社会时代的到来,企业在迎接挑战获得机遇的同时,也面临着各种各样的风险。如何预测、识别、评估这些潜在的风险,以最经济有效的对策处理意外的风险,已成为企业现代经营管理中一个重要组成部分,决定着一个企业的生存和发展。一、风险管理对企业发展的重要作用谈到风险管理,首先应搞清楚风险的概念。风险是指某种损失发生的可能性,它是客观存在的具有不确定性的状态。由此可见,风险的存在是不以人的意志为转移的,它与客观环境和一定时空条件相关联,损失的发生与危害的程度也是不确定的。风险可以按照不同的标准进行分类,若以风险所导致的后果划分,可以将风险分为纯粹风险和投机风险两类。纯粹风险是指只有损失机会而无获利机会的不确定性状态,它的后果有
With the arrival of the knowledge-based economy and the information society era, enterprises are faced with various risks while meeting the challenges and opportunities. How to forecast, identify and evaluate these potential risks and handle the unexpected risks with the most economical and effective countermeasures has become an important part in the modern management of an enterprise, which determines the survival and development of an enterprise. First, the important role of risk management in the development of enterprises When it comes to risk management, we should first understand the concept of risk. Risk refers to the possibility of a loss occurring, it is an objective existence of the state of uncertainty. Thus, the existence of risk does not shift from the will of the human being. It is related to the objective environment and certain time and space conditions, and the extent of the occurrence and damage of the loss is also uncertain. The risks can be classified according to different standards. If the consequences of the risks are divided, the risks can be classified into two categories: pure risk and speculative risk. Pure risk refers to the state of uncertainty, where there is no opportunity for profit loss, and the consequences are