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1、外文题目：AnEmpiricalStudyonEnterpriseRiskManagementinInsurance出处：NewFrontiersinEnterpriseRiskManagement作者：M.Acharyya原文：EnterpriseRiskManagementinInsuranceEnterpriseRiskManagement(hereinafterreferredas“ERM”)interestsawiderangeofprofessions(e.g.,actuaries,corporatefinancia
2、lmanagers,underwriters,accountants,andinternalauditors),however,currentERMsolutionsoftendonotcoverallrisksbecausetheyaremotivatedbythecoreprofessionalethicsandprinciplesoftheseprofessionswhodesignandadministerthem.Inatypicalinsurancecompanyallsuchprofessionsworkasagr
3、ouptoachievetheoverridingcorporateobjectives.Riskcanbedefinedasfactorswhichpreventanorganizationinachievingitsobjectivesandrisksaffectorganizationsholistically.Themanagementofriskinisolationoftenmissesitsbigpicture.Itisarguedherethataholisticmanagementofriskislogical
4、andistheultimatedestinationofallgeneralmanagementactivities.Moreover,riskmanagementshouldnotbeaseparatefunctionofthebusinessprocess;rather,managingdownsideriskandtakingtheopportunitiesfromupsideriskshouldbethekeymanagementgoals.Consequently,ERMisbelievedasanapproacht
5、oriskmanagement,whichprovidesacommonunderstandingacrossthemultidisciplinarygroupsofpeopleoftheorganization.ERMshouldbeproactiveanditsfocusshouldbeontheorganizationsfuture.Organizationsoftenstruggletoseeandunderstandthefullriskspectrumtowhichtheyareexposedandasaresult
6、theymayfailtoidentifythemostvulnerableareasofthebusiness.Theeffectivemanagementofriskistrulyaninterdisciplinaryexercisegroundedonaholisticframework.Whatevernamethisnewtypeofriskmanagementisgiven(theliteraturereferstoitbydiversenames,suchasEnterpriseRiskManagement,Str
7、ategicRiskManagement,andHolisticRiskManagement)theultimatefocusismanagementofallsignificantrisksfacedbytheorganization.Riskisanintegralpartofeachandeveryactionoftheorganizationinthesensethatanorganizationisabasketofcontractsassociatedwithrisk(intermsoflossesandopport
8、unities).TheideaofERMissimpleandlogical,butimplementationisdifficult.Thisisbecauseitsinvolvementwithawidestakeholdercommunity,which
