Risk Management Essay代写范例-组织风险管理分析。本文是一篇留学生风险管理essay写作范文，主要内容是检查并讨论下面的每个步骤，这些步骤构成了企业内部风险管理流程的一部分。解释每一步背后的原因，每一步为企业实现了什么，并举例说明。
风险管理过程是一个五步走的过程。首先是通过考虑战略背景或组织运作的环境、组织背景或企业的目标、核心活动和运营，建立或清楚地了解存在的风险。下面就一起来看一下这篇Risk Management Essay代写范例。
You are asked to research, critically examine and discuss the ‘risk management’ process within an organisation.您被要求研究、批判性地检查和讨论组织内的“风险管理”流程。
Examine and discuss each step below which forms part of the risk management process followed within an enterprise. Explain the reasons behind each step, what each step achieves for the enterprise and give examples.
Risk Management process is a five step process first is by establishing or clearly understanding the risk in which the situation exist by considering the strategic context or the environment within the organization operates, the organizational context or the objectives, core activities and operations of the enterprise.
Identify the risks or to recognize what could be wrong and what the consequence of it occurring. Risk can be physical relating individual injuries, ecological and weather conditions and the physical assets of the organisation such as property, equipment, buildings, vehicles, stock and grounds
识别风险或识别可能出现的错误及其后果。风险可能是与个人伤害、生态和天气条件以及组织的有形资产有关的物理风险，如财产、设备、建筑、车辆、库存和场地
Financial risks are those that involve the resources of the organisation and include theft, attendances, loans, fraud, license fees, membership fees, insurance costs, and lease payments, pay-out of damages claims or penalties and fines by the government.
财务风险是指涉及组织资源的风险，包括盗窃、上座率、贷款、欺诈、执照费、会员费、保险费、租赁付款、政府支付的损害赔偿索赔或罚款。
Ethical risks that involve potential or actual harm to the reputation or beliefs of your club, while legal risks consist of responsibilities imposed on providers, participants and consumers arising from laws made by federal, state and local government authorities
道德风险涉及对俱乐部声誉或信仰的潜在或实际损害，而法律风险包括由联邦、州和地方政府当局制定的法律对提供者、参与者和消费者施加的责任
Analysing the likelihood and consequences of each known risk and deciding which risk factors will potentially have the most effect and should, therefore obtain priority with regard to how they will be managed it also involves comparing the level of risk found during the investigation process with earlier established risk criteria, and deciding whether risks can be established
分析每种已知风险的可能性和后果，决定哪些风险因素可能产生最大影响，因此应优先考虑如何管理这些风险，还包括将调查过程中发现的风险水平与早期确定的风险标准进行比较，并决定是否可以确定风险
Risk management involves identifying the range of options for treating the risk, evaluating those options, preparing the risk treatment strategy and implementing those strategies it is about considering the options for treatment and choosing the most suitable method to achieve the required outcome. Options for treatment need to be balanced to the significance of the risk, and the cost of treatment matching with the potential benefits of treatment this includes:
风险管理包括确定治疗风险的选项范围、评估这些选项、制定风险治疗策略和实施这些策略——即考虑治疗选项并选择最合适的方法来实现所需的结果。治疗方案需要与风险的重要性以及与治疗潜在效益相匹配的治疗成本相平衡，这包括：
Accepting the risk for instance most individuals would consider minimal injuries in participating in the sporting activity as being an inherent risk.
例如，接受这种风险，大多数人会认为参加体育活动时的最小伤害是一种固有的风险。
Avoiding the risk is about your organization deciding either not to continue with an activity, or choosing an alternate activity with tolerable risk which meets the objectives of your club. For example, a club wanting to raise funds may decide that a competition without a properly trained and accredited instructor, equipment etc. may decide a safer way of raising funds.
避免风险是指你的组织决定要么不继续一项活动，要么选择一项风险可承受的、符合俱乐部目标的替代活动。例如，想要筹集资金的俱乐部可能会决定，没有经过适当培训和认证的教练、设备等的比赛可能会决定更安全的筹集资金方式。
Reducing the risk likelihood or consequences or both is usually practiced treatment of a risk within sport, for example use of mouth guards for players in some sports i.e. contact sports.
降低风险的可能性或后果或两者兼而有之通常是在体育运动中对风险的处理，例如在一些运动中为运动员使用护嘴，即接触式运动。
Transferring the risk in full or in part, will usually occur through contracts or notices for example your insurance contract is perhaps the most frequently used risk transfer form used. Other examples consist of waivers, lease agreements, warning signs, disclaimers and tickets
全部或部分转移风险通常通过合同或通知进行，例如，您的保险合同可能是使用最频繁的风险转移形式。其他例子包括弃权书、租赁协议、警告标志、免责声明和罚单
Retaining the risk is knowing that the risk treatment is not about risk removal, rather it is about acknowledging the risk is an vital part of the sport activity and some must be retained because of the inherent nature of the sport activity. It is important to consider the intensity of risk which is inherent and tolerable.
保留风险是指知道风险处理不是为了消除风险，而是承认风险是体育活动的重要组成部分，由于体育活动的固有性质，必须保留一些风险。重要的是要考虑固有的和可容忍的风险强度。
Financing the risk means the organization funding the consequences of risk i.e. providing finances to cover the costs of implementing the risk treatment.
风险融资是指为风险后果提供资金的组织，即提供资金来支付实施风险处理的成本。
Determine the objectives of the organisation 确定组织的目标
Risk management is designed to provide the general methodology and approach to conducting a risk assessment. This includes the preparation work, risk workshop and reporting requirements. The purpose of the risk assessment is to identify the potential risks and opportunities and then rank them according to priorities and to Identify existing and potential control measure or risk mitigations to eliminate or minimise the risk in an organization
风险管理旨在提供进行风险评估的一般方法和方法。这包括准备工作、风险研讨会和报告要求。风险评估的目的是识别潜在的风险和机遇，然后根据优先级对其进行排序，并确定现有和潜在的控制措施或风险缓解措施，以消除或最大限度地降低组织中的风险
identify exposures to loss 识别损失风险
Risk management begins with the identification process. It is important to keep in mind that risk are not static but are subjected to change in many ways, examples of how it can change is introduction of new products and services, new laws and regulations and new employees and customers.
风险管理从识别过程开始。重要的是要记住，风险不是静态的，而是会在许多方面发生变化的，例如引入新产品和服务、新法律法规以及新员工和客户就是风险如何变化的例子。
The element of change requires that identification process be ongoing, prior to the development of risk management as a recognized method for dealing with the risk of loss.
变革的要素要求在开发风险管理作为处理损失风险的公认方法之前，进行识别过程。
Risk of loss can be categorized under three general categories property loss, liability and personnel loss
损失风险可分为三大类：财产损失、责任和人员损失
Measure those same exposures 测量这些相同的暴露
Liability Loss 责任损失
Motor vehicle liability to the extent that operations of a automobile results in injury to others. In addition exposure represented by owned vehicles can incur liability from the operation of non-owned automobiles such as leased, rental or personal automobiles of employees used in business.
机动车责任是指汽车的运行导致他人受伤。此外，自有车辆代表的风险敞口可能会因经营非自有汽车而产生负债，如企业中使用的员工租赁、租赁或个人汽车。
Product liability or anyone who makes, sells or distributes products to be used by others is susceptible to liability if the product is defective or not fit for its intended use.产品责任或生产、销售或分销供他人使用的产品的任何人，如果产品存在缺陷或不适合其预期用途，则易承担责任。
Contractual liability is the risk of loss arising out of a particular undertaking that can be transferred from one party to another by the use of contracts.合同责任是一项特定业务所产生的损失风险，该业务可以通过使用合同从一方转移到另一方。
Pollution liability can be gradual occurrence over a period of time such as leakage form tanks or sudden or accidental such as fire, explosion or tank collapse.污染责任可以是在一段时间内逐渐发生的，如储罐泄漏，也可以是突然或意外的，如火灾、爆炸或储罐坍塌。
Professional liability is a growing area of liability exposure that is relating to the errors or omissions of employees acting in a professional capacity 职业责任是一个日益增长的责任暴露领域，与以职业身份行事的员工的错误或疏忽有关
Damage to owned or leased property has the loss potential associated with damage to or destruction of owned or leased property. The exposures are those related to buildings and their contents. Examples are electronic data equipment, media, machinery and equipment breakdown.自有或租赁财产的损坏具有与自有或租赁资产的损坏或破坏相关的潜在损失。暴露是指与建筑物及其内容物有关的暴露。例如电子数据设备、介质、机械和设备故障。
Loss of use of property can result in both direct and indirect losses. A direct loss includes the loss of revenues and indirect loss include such as employee overtime, air freight, rental expenses for temporary equipment
财产使用的损失可能导致直接和间接损失。直接损失包括收入损失，间接损失包括员工加班、空运、临时设备租赁费用
Select alternatives 选择备选方案
The economic models are formulated to provide the analyst with a quantitative base for studying the operations under his control. The method consists of four steps:经济模型的制定是为了给分析师提供一个定量的基础来研究其控制下的操作。该方法包括四个步骤：
Define the problem 定义问题
Formulate the model 制定模型
Run the model 运行模型
Make the decision 做出决定
5. Implement a solution 实施解决方案
Managing the risk associated with the hazards presents a number of unique challenges if properly managed, loss exposures can be significantly minimized. A key element in such plans is clear instructions concerning notification of appropriate agencies. It is important to have basic understanding of some of the laws that affect the management of the hazards and knowing agencies involved and the resources available that can reduce critically important response time.
管理与危险相关的风险带来了许多独特的挑战，如果管理得当，可以大大减少损失。这些计划的一个关键要素是关于通知有关机构的明确指示。重要的是要对影响危险管理的一些法律有基本的了解，并了解相关机构和可减少至关重要的响应时间的可用资源。
Monitor and review the outcomes.监督和审查结果
Monitoring and review is an ongoing part of risk management that is integral to every step of the process. It is also the part of risk management that is most often given inadequate focus, and as a result the risk management programs of many organisations become irrelevant and ineffective over time. Monitoring and review ensure that the important information generated by the risk management process is captured, used and maintained.
监测和审查是风险管理的一个持续部分，是该过程每一步不可或缺的组成部分。这也是风险管理中最常被忽视的部分，因此，随着时间的推移，许多组织的风险管理计划变得无关紧要且无效。监测和审查确保捕获、使用和维护风险管理过程产生的重要信息。
Few risks remain static. Factors that may affect the likelihood and consequences of an outcome may change, as may the factors that affect the suitability or cost of the various treatment options. Review is an integral part of the risk management treatment plan.
很少有风险保持不变。可能影响结果可能性和后果的因素可能会发生变化，影响各种治疗方案的适用性或成本的因素也可能发生变化。审查是风险管理治疗计划的组成部分。
Examine and discuss a risk management frameworks standards model. Discuss the principles behind the model, the drivers and components involved in the process.
审查和讨论风险管理框架标准模型。讨论模型背后的原则、过程中涉及的驱动因素和组件。
Risk Management Frameworks 风险管理框架
A risk management framework is a description of an organizational specific set of functional activities and associated definitions that define the risk management system in an organization and the relationship to the risk management organizational system. A risk management framework defines the processes and the order and timing of processes that will be used to manage risks.
风险管理框架是对特定组织的一组功能活动和相关定义的描述，这些活动和定义定义了组织中的风险管理系统以及与风险管理组织系统的关系。风险管理框架定义了用于管理风险的流程以及流程的顺序和时间安排。
Operations to reduce risk which includes the ongoing programs and activities performed by an organization to reduce risks to an acceptable and cost-effective level. These activities might include standard setting, performance audits, training and other risk management options
降低风险的操作，包括组织为将风险降低到可接受和成本效益水平而执行的持续计划和活动。这些活动可能包括标准制定、绩效审计、培训和其他风险管理选项
Decision-making or corporate management where long term “strategic” decisions are made and responsibility for decisions at the other two levels lies. Activities at this level might include consultation with stakeholders, monitoring operations to reduce risk and priority-setting among risk issues
做出长期“战略”决策并对其他两个层面的决策负责的决策或公司管理。这一级别的活动可能包括与利益攸关方协商、监测减少风险的行动以及确定风险问题的优先次序
Risk assessment and treatment options where risk assessment is carried out and risk treatment options are identified. This high level framework provides a “benchmark framework” for evaluation of other risk management frameworks.
进行风险评估并确定风险治疗方案的风险评估和治疗方案。这一高级别框架为评估其他风险管理框架提供了一个“基准框架”。
Elements of risk management frameworks as well as categories of risk criteria and basic capacities required by an organization for effective risk management.The design of a framework depends on the nature of risks it must manage, legal and regulatory considerations, available resources, and the relative value of risk assessment, operations to modify risks, risk communications, monitoring and review.
风险管理框架的要素以及风险标准的类别和组织有效风险管理所需的基本能力。框架的设计取决于其必须管理的风险的性质、法律和监管考虑因素、可用资源以及风险评估的相对价值、修改风险的操作、风险沟通，监督和审查。
The risk management framework closely follows the typical management decision-making structure of:风险管理框架严格遵循以下典型的管理决策结构：
Identify and assess the situation 识别和评估情况
Consider treatment (decision) options 考虑治疗（决策）方案
Decide 决定
Implement management control 实施管理控制
Monitor decision 监控决策
Examine and discuss each step below which forms part of the risk assessment process followed within an enterprise. Explain the reasons behind each step, what each step achieves for the enterprise and give examples 检查并讨论下面的每个步骤，这些步骤构成了企业内部风险评估流程的一部分。解释每一步背后的原因，每一步为企业带来了什么，并举例说明
Identification of relevant business objectives 确定相关业务目标
Historically, businesses have viewed risk as a necessary evil that should be minimized or mitigated whenever possible. Increased regulatory requirements have forced businesses to expend signify cant resources to address risk, and shareholders in turn have begun to scrutinize whether businesses had the right controls in place.
从历史上看，企业一直将风险视为一种必要的邪恶，应尽可能将其降至最低或减轻。监管要求的提高迫使企业花费大量资源来应对风险，而股东也开始仔细审查企业是否有正确的控制措施。
Risk assessment provides a mechanism for identifying which risks represent opportunities and which represent potential pitfalls.
A good assessment is anchored in the organization’s defined risk appetite and tolerance, and provides a basis for determining risk responses. A robust risk assessment process, applied consistently throughout the organization, empowers management to better identify, evaluate, and exploit the right risks for their business, all while maintaining the appropriate controls to ensure effective and efficient operations and regulatory compliance
风险评估提供了一种机制，用于识别哪些风险代表机遇，哪些风险代表潜在陷阱。
良好的评估以组织定义的风险偏好和承受能力为基础，并为确定风险应对措施提供基础。稳健的风险评估流程在整个组织中始终如一地应用，使管理层能够更好地识别、评估和利用其业务的正确风险，同时保持适当的控制，以确保有效、高效的运营和法规遵从性
Identifying events that could affect the achievement of objectives.确定可能影响目标实现的事件。
Determining risk tolerance.确定风险承受能力。
Risk tolerance is so vital to any risk management program, that you cannot include a risk management process without evidently understanding the organization’s risk tolerance. Risk tolerance is the equilibrium between risk-adverse or accepting very little risk and risk-seeking or accepting high levels of risk
风险承受能力对任何风险管理计划都至关重要，因此，如果不明确了解组织的风险承受能力，就无法纳入风险管理流程。风险承受能力是不利风险或接受很少风险与寻求或接受高风险之间的平衡
Setting risk tolerance is very significant, since an enterprise will make key decisions based on what has been determined to be acceptable risk. There are regularly used key risk indicators, but understanding how those metrics influence risk tolerance is a not easy and demanding task. Risk tolerance is also a persistently moving goal.
设定风险承受能力非常重要，因为企业将根据已确定的可接受风险做出关键决策。有一些经常使用的关键风险指标，但了解这些指标如何影响风险承受能力并不是一项容易且艰巨的任务。风险承受能力也是一个持续不断的目标。
Assessing the inherent likelihood and impact of risks.评估风险的内在可能性和影响。
When assessing likelihood of occurrence of a risk, participants tend to over-evaluate risks which occurred recently or at all. If there is a reference point, people charged with evaluating will often attribute a higher likelihood to these recent events, even if the probability of occurrence has in effect been reduced by the (over)reaction to the event.
在评估风险发生的可能性时，参与者往往会高估最近或根本没有发生的风险。如果有一个参考点，负责评估的人通常会将更高的可能性归因于这些最近的事件，即使对事件的（过度）反应实际上降低了发生的概率。
If we cannot imagine a risk occurring, we cannot assess the potential impact of it and we tend to underestimate its impact. On the contrary, the more informed we are, and the more concrete a risk is formulated, the better we are at assessing its impact.
如果我们无法想象风险的发生，我们就无法评估其潜在影响，我们往往会低估其影响。相反，我们越了解情况，风险制定得越具体，我们就越能更好地评估其影响。
Evaluating the portfolio of risks and determining risk responses.评估风险组合并确定风险应对措施。
A portfolio selector for selecting an investment portfolio from a library of assets based on investment risk and risk-adjusted return is provided. The selector chooses a tentative portfolio from the library and determines a risk-adjusted return for the portfolio. The risk-adjusted return is computed by subtracting the average of multiple segment shortfalls from the average of multiple segment performances, over the same segments, based on analysis of market value data for the assets in the portfolio and for a baseline asset. The asset selection and computation is repeated until the risk-adjusted return of the portfolio satisfies criteria derived from preference data specific to an investor. A data storage medium encoded with instructions for performing the method is also provided
提供了一种用于基于投资风险和经风险调整的回报从资产库中选择投资组合的组合选择器。选择器从库中选择一个临时投资组合，并确定该投资组合的风险调整回报。根据对投资组合中资产和基准资产的市场价值数据的分析，通过从同一细分市场的多个细分市场表现的平均值中减去多个细分行业短缺的平均值来计算风险调整后的回报。重复资产选择和计算，直到投资组合的风险调整回报满足从投资者特定偏好数据得出的标准。还提供了一种用用于执行该方法的指令编码的数据存储介质
Assessing residual likelihood and impact of risks.评估风险的剩余可能性和影响。
Residual Risk Impact is multiplied by likelihood to produce an ‘Inherent Risk Score’.剩余风险影响乘以产生“固有风险评分”的可能性。
For each risk, the controls in place will then be identified and assessed and the risk score generally reduced to arrive at the ‘Residual Risk Score’
对于每种风险，将识别和评估现有的控制措施，并通常降低风险评分，得出“剩余风险评分”
The control should either reduce the likelihood that a risk will occur, or the impact of that risk if it were to occur. Residual risk is what is left after considering controls.
控制应降低风险发生的可能性，或降低风险发生时的影响。剩余风险是在考虑控制措施后剩下的风险。
If you rate risks on both Inherent and Residual Risk then you can show the change from Inherent to Residual which indicates the organizations dependence on the effectiveness of the control. If a critical risk is largely mitigated due to the presumed operation of a control or set of controls then it would be very useful for Internal Audit to validate that those controls are working as assumed.
如果你对固有风险和剩余风险进行评级，那么你可以显示从固有风险到剩余风险的变化，这表明组织对控制有效性的依赖。如果一个关键风险由于一个或一套控制措施的假定操作而得到很大程度的缓解，那么内部审计验证这些控制措施是否按假设工作将非常有用。本站提供各国各专业留学生essay代写或essay写作指导服务，如有需要可咨询本平台。