Various definitions can be given to the word that risk, but it simply means there is always taxable with the possibility of harmful effects or adverse effects, such as the possibility of loss, injury, fire, and so on. There is no method that guarantees one hundred percent that the bad consequences that each time can be avoided, unless the activities that involve risks not done.
Lecture THE RESUME
So that the risk does not deter the company's activities, then it ought to Be with the best. On the one hand, they complain the lack of customers, on the other hand they tend to reject prospective clients. Insurance companies are reluctant to accept the closure of the protection of corporate risk, because it turns out most companies do not want to manage the risks insured's property.
Risk Management Relationships With Other Functions In Company
Risk management is closely related to other corporate functions (ie by function: accounting, finance, marketing, production, personnel, engenering and maintenance), because the parts were there that create risk and there is a run as a function of risk management. Let us analysis one by one below.
Relationships With Accounting Functions
The accounting department run an important risk management activities, namely:
Reduces the chance an employee embezzled, by doing an internal control and internal audit.
Through the account assets and the accounting department identify megukur exposure to property losses.
Through the assessment of accounts such as accounts receivable, accounts receivable accounting measure of risk exposure and allocate reserve funds receivable losses.
Relationships with Financial Functions
The finance department do a lot of determination of the influence of risk management.
• First, the risk manager is usually subordinate to the Director of Finance.
• Second, the finance department to analyze the influence of falling profits and cash flow. Because of declining profit bias impede the company's objectives, activities bleak it is also listed in the risk management program.
• Third, in determining whether the company will purchase expensive equipment or a new building, then the financial manager should consider the risks created purely because of the action.
Relationships With MarketingKegiatan marketing can create a risk, especially risk of accountability. For example the company sued by outside parties pleased with the use of packaging that does not qualify. In transporting the product to the customer, containing a variety of risks that need to be analyzed in advance by the management of risk. That is why the marketing should always be aware of the risks that arise in any marketing activities, and part of risk management should be informed immediately.
Relations With The ProduksiKegiatan production also creates risks. In designing or making products or providing services, workers are often exposed to occupational accidents. Similarly, it sells a product or service may also be able to create damage or injury to the wearer's body, therefore the company should always be ready to face "legal action" from a third party.
Relationships with Engineering and Maintenance
This section is responsible for plant design, maintenance, and perform maintenance functions of the building, plant, and equipment, all of which are vital to preventing, reducing the frequency and severity of losses
Relations With The PersonaliaBagian personnel have many responsibilities in the field of risk. The most obvious example is the design, installation, and administration of employee welfare programs. Section personnel are normally tasked to conduct negotiations with unions, establishing rights and obligations as well as welfare. While the selection of insurance and risk management insurance coverage or memanajeri negotiate the financial aspects rather than the program (penenggungan risk).
Classification of Losses
An alternative classification system losses in a checklist are as follows:
Property losses (property losses)
Langssung losses associated with the need to replace or repair or loss of property.
Indirect losses, such as the necessity to destroy the rest of the building damaged by the direct loss
Loss of earnings (net income), such as a temporary cessation of activities due to a loss in which the work should not occupy space.
Changing Liability Losses Others (Liability Losses)
Since the destruction of property rights of others or injury to another person.
Losses Personaia (Personnel Losses)
Losses for the company, because of death, disability, or resign himself employees, customers or owners.
Loss for the families of employees, which is caused by the death, disability, or dismissal.
Use of Outside Parties to Identify Risk
Risk managers may believe the insurance agent, broker, or risk management consultant to perform detailed work to identify risks. However, only fully trust outsiders to pengidentifikasikan risk at one time may contain weaknesses. First, although a lot of insurance agents and brokers better and more experienced find risikko at various companies. Second, due to the time and energy exerted in preparing the survey menyelurh, especially for large companies
But the weakness inisudah fade away, because the more risk management consultant who practices on the basis of employment contracts with the company concerned, and nothing to do with the insurance companies who want to market insurance.
Discussion
After the risk manager to identify and quantify the risks facing the company, then he must decide how to handle those risks. There are two basic approaches to the
Control risk (risk control)
Financing risks (risk financing)
Control Risks, run by the following methods:
Avoiding the risk
Controlling losses
Separation
Combination or pooling
Transfer of risk
Financing risks (risk financing) include:
Transfer of risk
Menaggung risk
Each piece of equipment that can and usually otherwise used in combination with one or more equipment
Avoiding Risk
One way to avoid pure risk is to avoid property, persons or activities from exposure to risk by:
Refuse to have, receive or implement activities that although only a temporary fatherly
Handed back to the risks already received, or immediately cease such activity and is known to contain risk. So avoid the risk means it is also eliminates the person is at risk
Some characteristics of risk aversion that should be considered:
First: there may be no possibility of avoiding the risk, the more extensive the risks faced, the greater the improbability menghindardinya. For example if you want the responsibility of avoiding all risk, then all activities need to be stopped.
Second: the benefits or potential return would be accepted because the ownership of a property, hire a particular employee, or be responsible for an activity, will be lost, if implemented in risk aversion.
Third: the more narrow the risks faced, the more likely it will create new risks.
Separation of Risk
What is meant by the separation here is spread the wealth who face the same risk, replacing placement in one location. By increasing the number of independent exposure units, then the probability of loss-reduced expectations. So improving the company's ability to predict what will be lost.
Combination
The combination or pooling increase the number of exposure units within the limits of corporate control is concerned, with the purpose or loss will be experienced more predictable. One way companies megkombinasikan risk is by internal development.
Transfer of Risk
The transfer of risk can be done in three ways:
First: the property or activities at risk dapata transferred to other parties, whether stated explicitly, and with a variety of transactions or contracts.
Second: Risk itself is moved
Third: A risk financing transfers create a fatherly tranferee loss exposure. Cancellation of the agreement by the transferee can be viewed as a third way in the transfer of risk control
An alternative classification system losses in a checklist are as follows:
Property losses (property losses)
Langssung losses associated with the need to replace or repair or loss of property.
Indirect losses, such as the necessity to destroy the rest of the building damaged by the direct loss
Loss of earnings (net income), such as a temporary cessation of activities due to a loss in which the work should not occupy space.
Changing Liability Losses Others (Liability Losses)
Since the destruction of property rights of others or injury to another person.
Losses Personaia (Personnel Losses)
Losses for the company, because of death, disability, or resign himself employees, customers or owners.
Loss for the families of employees, which is caused by the death, disability, or dismissal.
Use of Outside Parties to Identify Risk
Risk managers may believe the insurance agent, broker, or risk management consultant to perform detailed work to identify risks. However, only fully trust outsiders to pengidentifikasikan risk at one time may contain weaknesses. First, although a lot of insurance agents and brokers better and more experienced find risikko at various companies. Second, due to the time and energy exerted in preparing the survey menyelurh, especially for large companies
But the weakness inisudah fade away, because the more risk management consultant who practices on the basis of employment contracts with the company concerned, and nothing to do with the insurance companies who want to market insurance.
Discussion
After the risk manager to identify and quantify the risks facing the company, then he must decide how to handle those risks. There are two basic approaches to the
Control risk (risk control)
Financing risks (risk financing)
Control Risks, run by the following methods:
Avoiding the risk
Controlling losses
Separation
Combination or pooling
Transfer of risk
Financing risks (risk financing) include:
Transfer of risk
Menaggung risk
Each piece of equipment that can and usually otherwise used in combination with one or more equipment
Avoiding Risk
One way to avoid pure risk is to avoid property, persons or activities from exposure to risk by:
Refuse to have, receive or implement activities that although only a temporary fatherly
Handed back to the risks already received, or immediately cease such activity and is known to contain risk. So avoid the risk means it is also eliminates the person is at risk
Some characteristics of risk aversion that should be considered:
First: there may be no possibility of avoiding the risk, the more extensive the risks faced, the greater the improbability menghindardinya. For example if you want the responsibility of avoiding all risk, then all activities need to be stopped.
Second: the benefits or potential return would be accepted because the ownership of a property, hire a particular employee, or be responsible for an activity, will be lost, if implemented in risk aversion.
Third: the more narrow the risks faced, the more likely it will create new risks.
Separation of Risk
What is meant by the separation here is spread the wealth who face the same risk, replacing placement in one location. By increasing the number of independent exposure units, then the probability of loss-reduced expectations. So improving the company's ability to predict what will be lost.
Combination
The combination or pooling increase the number of exposure units within the limits of corporate control is concerned, with the purpose or loss will be experienced more predictable. One way companies megkombinasikan risk is by internal development.
Transfer of Risk
The transfer of risk can be done in three ways:
First: the property or activities at risk dapata transferred to other parties, whether stated explicitly, and with a variety of transactions or contracts.
Second: Risk itself is moved
Third: A risk financing transfers create a fatherly tranferee loss exposure. Cancellation of the agreement by the transferee can be viewed as a third way in the transfer of risk control
0 komentar:
Post a Comment