In the current market conditions is always a need to assess the possible risks to the effective management of human, material resources, to reduce losses from them and compensate their negative effects.
The concept of risk comes uncertainty, which is based on three important reasons.This is - ignorance, randomness and opposition.Therefore, the uncertainty is the basic, absolutely legitimate reason for the emergence of any kind of risk.
risk - is a certain probability of occurrence of adverse factors, which are available as a result of financial losses (loss of money, property, etc.) and physical.This short-term loss of health, physical and mental trauma, etc.
at risk any human activity.Risk contains some elements that convey the essence of his main achievement of the goals, the possibility of deviation from it, the possibility of return for various losses due to unfavorable external and internal influences.An example of the onset of risky circumstances may be force majeure factors.This unpredictable risks (environmental hazards), and projected.Risk classification is very important for management decisions, because the problem of their appearance and behavior maloissledovanna.But in our fast-changing world and provide exactly calculate the impact of risk factors on the business processes and the possible loss of a very, very difficult.
Risk classification is divided into separate species by the nature of the supposed danger of the various spheres of their existence, of the source, the size of possible damage, the temporary nature of the symptoms, the degree of possible insurance and foresight, the frequency, the time display, etc..
By the nature of the alleged danger of risk classification is divided into separate species.It is man-made, natural and mixed risks.
In their areas of risk manifestations can be divided into: environmental, political, social, commercial and professional.
possible sources of risks are divided into: external (market) and internal (specific) having different frequency of occurrence.
The size of possible damage and visible financial losses risks are divided into: economic, in which possible significant loss of capital, the risks in the form of lost profits, etc.
Thus these risks are divided even on critical levels.The risks may be acceptable, critical and catastrophic
possible, forecasting and insurance frequency risk factors are divided into predictable and unpredictable insured and deductibles, high, medium and small.
By the time symptoms risk factors may be permanent or temporary.
But despite all this, some of the risks are manageable and it is important to study them, to explore and try to predict, to use all possible methods to eliminate the possibility of occurrence of adverse effects.Risk classification enables their detailed review and study further to counteract them.Risk management should be, above all, reasonable and well thought out, as the card life is sometimes put the entire social life of man.It also finances, and careers, and emotional well-being, etc.And their loss can very adversely affect both the entrepreneur and his loved ones.After their society with little or no modern man can not survive as an individual.Risk management is reflected in the adoption of certain methods of doing business.The methods of risk management, exclusive and anticipate various adverse circumstances, the policy applies to the adoption of risk reduction in its insurance, diversification and limiting the size of the transaction.Therefore, providing the possible risk situations, employers are trying to avoid any negative impact on its business in the form of bankruptcy and insolvency, which is very important.After all, the main purpose of business - profit maximization.
