风险管理【文献翻译】

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1、外文翻译riskmanagementMaterialSourcehttp://www.referenceforbusiness.comAuthor:KarlHeilRiskmanagementisasystematicprocessofidentifyingandassessingcompanyrisksandtakingactionstoprotectacompanyagainstthem.Someriskmanagersdefineriskasthepossibilitythatafutureoccurrencemaycauseharmorlosses

2、,whilenotingthatriskalsomayprovidepossibleopportunities.Bytakingrisks,companiessometimescanachieveconsiderablegains.However,companiesneedriskmanagementtoanalyzepossiblerisksinordertobalancepotentialgainsagainstpotentiallossesandavoidexpensivemistakes.Riskmanagementisbestusedasapre

3、ventivemeasureratherthanasareactivemeasure.Companiesbenefitmostfromconsideringtheirriskswhentheyareperformingwellandwhenmarketsaregrowinginordertosustaingrowthandprofitability.Thetaskoftheriskmanageristopredict,andenactmeasurestocontrolorprevent,losseswithinacompany.Therisk-manage

4、mentprocessinvolvesidentifyingexposurestopotentiallosses,measuringtheseexposures,anddecidinghowtoprotectthecompanyfromharmgiventhenatureoftherisksandthecompany'sgoalsandresources.Whilecompaniesfaceahostofdifferentrisks,somearemoreimportantthanothers.Riskmanagersdeterminetheirimpor

5、tanceandabilitytobeaffectedwhileidentifyingandmeasuringexposures.Forexample,theriskoffloodinginArizonawouldhavelowpriorityrelativetootherrisksacompanylocatedtheremightface.Riskmanagersconsiderdifferentmethodsforcontrollingorpreventingrisksandthenselectthebestmethodgiventhecompany'

6、sgoalsandresources.Afterthemethodisselectedandimplemented,themethodmustbemonitoredtoensurethatitproducestheintendedresults.THEEVOLUTIONOFRISKMANAGEMENTThefieldofriskmanagementemergedinthemid-1970s,evolvingfromtheolderfieldofinsurancemanagement.Thetermriskmanagementwasadoptedbecaus

7、ethenewfieldhasamuchwiderfocusthansimplyinsurancemanagement.Riskmanagementincludesactivitiesandresponsibilitiesout-sideofthegeneralinsurancedomain,althoughinsuranceisanimportantpartofitandinsuranceagentsoftenserveasriskmanagers.Insurancemanagementfocusedonprotectingcompaniesfromna

8、turaldisastersandbasickindsofexpo