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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,corporatefin
2、ancialmanagers,underwriters,accountants,andinternalauditors),however,currentERMsolutionsoftendonotcoverallrisksbecausetheyaremotivatedbythecoreprofessionalethicsandprinciplesoftheseprofessionswhodesignandadministerthem.Inatypicalinsurancecompanyallsuchprofession
3、sworkasagrouptoachievetheoverridingcorporateobjectives.Riskcanbedefinedasfactorswhichpreventanorganizationinachievingitsobjectivesandrisksaffectorganizationsholistically.Themanagementofriskinisolationoftenmissesitsbigpicture.Itisarguedherethataholisticmanagement
4、ofriskislogicalandistheultimatedestinationofallgeneralmanagementactivities.Moreover,riskmanagementshouldnotbeaseparatefunctionofthebusinessprocess;rather,managingdownsideriskandtakingtheopportunitiesfromupsideriskshouldbethekeymanagementgoals.Consequently,ERMisb
5、elievedasanapproachtoriskmanagement,whichprovidesacommonunderstandingacrossthemultidisciplinarygroupsofpeopleoftheorganization.ERMshouldbeproactiveanditsfocusshouldbeontheorganizationsfuture.Organizationsoftenstruggletoseeandunderstandthefullriskspectrumtowhicht
6、heyareexposedandasaresulttheymayfailtoidentifythemostvulnerableareasofthebusiness.Theeffectivemanagementofriskistrulyaninterdisciplinaryexercisegroundedonaholisticframework.Whatevernamethisnewtypeofriskmanagementisgiven(theliteraturereferstoitbydiversenames,such
7、asEnterpriseRiskManagement,StrategicRiskManagement,andHolisticRiskManagement)theultimatefocusismanagementofallsignificantrisksfacedbytheorganization.Riskisanintegralpartofeachandeveryactionoftheorganizationinthesensethatanorganizationisabasketofcontractsassociat
8、edwithrisk(intermsoflossesandopportunities).TheideaofERMissimpleandlogical,butimplementationisdifficult.Thisisbecauseitsinvolvementwithawidestakeholdercommunity,which
