1. What are the business risks of the enterprise? Business risk refers to the risks that may occur in the process of business management. Business risks of enterprises usually include the following five types: 1, policy risk: refers to the influence of national policy changes on industries and products (macro-control and industrial policy guidance); 2. Market risk: refers to whether an enterprise's products are marketable and competitive in the market (technology, quality, service, sales channels and methods, etc.). ); 3. Financial risk: refers to poor management of enterprises. Cause difficulties and even bankruptcy (capital structure, asset-liability ratio, accounts receivable and payable, cash flow, etc.). ) 4. Legal risk: it is due to carelessness in signing the contract and falling into the contract trap, resulting in serious economic losses (breach of contract, fraud and infringement of intellectual property rights) 5. Team risk: refers to core team problems, employee conflicts, loss and knowledge management. Suggestion: In the process of enterprise management, we should firmly establish risk awareness and take practical preventive measures to prevent business risks to the maximum extent. Second, how to control the business risk of the enterprise 1 Establish and improve various rules and regulations of the enterprise, especially the contract management system, financial management system and intellectual property protection system, and strengthen the credit management of customers. Mainly to establish customer files to understand the credit situation of customers. 3. Seriously sign and review all kinds of contracts signed by enterprises, and strengthen control and supervision in the process of contract performance. Third, the basic methods to avoid business risks. Enterprise management has risks, but risks and opportunities coexist. The greater the risk, the more opportunities there may be. Because of this, many leaders know that there are tigers in the mountains and prefer to travel in the mountains. A good rational leader should not avoid risks, but should reduce risks as much as possible and actively guard against risks in business activities. 1. Learn to analyze risks In a market economy, risks exist everywhere in business activities such as investment, financing and management. As a business operator, you should learn to analyze the risks of every business link and leave room for everything. Have a clear understanding of possible risks and a plan to overcome all possible risks. 2. Be good at assessing risks and predict the possible negative impact of risks through analysis. For example, once the investment is wrong, how much loss may it cause? If the fund-raising cannot be recovered at maturity, how much economic loss may it cause? Once the payment can't be recovered, how much impact will it have on the working capital turnover? Bad circulation (cash flow) may cause harm and expected consequences to normal business activities. 3. To actively guard against risks, we should take active countermeasures, such as objectively evaluating investment plans, conducting in-depth and meticulous investigations on the market, formulating a reasonable management system, ensuring a virtuous circle of liquidity, and mastering scientific decision-making procedures and methods. Once there is a problem in one link, we should focus on the whole system. Take remedial measures to limit the spread of negative effects. 4. Avoiding and transferring risks is inevitable, and risks can also be transferred. For example, property insurance is to pass on the risk of investment accidents; Buying goods on credit is the transfer of financing risk, and leasing instead of buying equipment is the transfer of investment risk. As long as it is used properly, it can really minimize the risk of the company.
Second, how to avoid risks in the business process?
It is a law that any enterprise will have unforeseeable risks, and no enterprise can exist forever. But enterprises can continue to develop through risk grafting. I have three suggestions about extending the dimension of enterprise vitality:
First, by grafting risks, equity financing can be released, venture capital institutions can be introduced, or listing requirements can be met, and a large amount of funds can be obtained to prevent unpredictable risks in the market.
Second, the cultivation of a large number of talents, talent is the biggest core of enterprise development, so people-oriented and constantly cultivate more outstanding talents to prevent internal risks of enterprises.
Third, the spread of branches and leaves, strategic investment, and independent operation of projects hatched within investment enterprises. Investing in excellent projects outside the enterprise, such as raising children, although the main body of the enterprise has reached its peak in old age, through internal and external investment, more projects with future development will be hatched! Only in this way can enterprises resist external natural risks and develop continuously.
Third, how to avoid risks in the business process?
Business risk refers to the risks that may occur in the process of business management.
I. Business risks usually include the following five types:
1. Policy risk: refers to the impact of national policy changes on industries and products (macro-control and industrial policy orientation).
2. Market risk: refers to whether the products of the enterprise are marketable and competitive in the market (technology, quality, service, sales channels and methods, etc.).
3. Financial risk: refers to the enterprise's predicament or even bankruptcy due to poor management (capital structure, asset-liability ratio, accounts receivable and payable, cash flow problems, etc.). ).
4. Legal risk: it is due to carelessness when signing a contract and falling into the contract trap, which leads to serious economic losses (breach of contract, fraud and infringement of intellectual property rights) of the enterprise.
5. Team risk: refers to core team problems, employee conflicts, loss and knowledge management.
Suggestion: In the process of enterprise management, we should firmly establish risk awareness and take practical preventive measures to prevent business risks to the maximum extent.
Second, the basic methods to avoid business risks
Entrepreneurship has risks, but risks and opportunities coexist. The greater the risk, the more opportunities there may be. Because of this, many entrepreneurs know that there are tigers in the mountains and prefer to travel in the mountains.
A rational entrepreneur should not avoid risks, but should reduce risks as much as possible and actively guard against risks in business activities.
1. In risk control and management, enterprise leaders are at the core of risk control, and their risk awareness, determination and behavior of consciously observing the internal control system affect the success or failure of enterprise risk control. Those enterprises that can control risks and effectively control risks will inevitably become the best among enterprises.
2. Learn to analyze risks.
First of all, enterprises must comprehensively analyze the possible risks in their operations, confirm the tolerance of risk assessment, and establish a standardized risk monitoring system. In the risk management framework, because the corresponding risks should be analyzed according to different objectives, the formulation of objectives naturally becomes the first step in the risk management process and is recognized as a part of the risk management framework. According to Drucker's theory, the father of modern management, enterprises should set goals in the following eight aspects: marketing, innovation, human resources, financial resources, material resources, productivity, social responsibility and profit demand.
3. Be good at assessing risks.
It is necessary to predict the possible negative impact of risks through analysis.
For example, once the investment is wrong, how much loss may it cause? If the fund-raising cannot be recovered at maturity, how much economic loss may it cause? Once the payment can't be recovered, how much impact will it have on the working capital turnover? Bad circulation (cash flow) may cause harm and expected consequences to normal business activities.
4. Actively guard against risks.
In order to guard against risks, we should take active countermeasures, such as objectively evaluating the investment plan, conducting in-depth and meticulous investigation on the market, formulating a reasonable management system, ensuring a virtuous circle of circulating funds, and mastering scientific decision-making procedures and methods.
Once there is a problem in one link, we should focus on the whole system. Take remedial measures to limit the spread of negative effects.
5. Establish a risk emergency mechanism.
1) Once the risk occurs, the most powerful measures should be taken to control the risk to a minimum, reduce losses and ensure the fundamental interests of the enterprise.
2) The occurrence of this phenomenon is something we don't want to see, but it must be considered. Our efforts in the first two aspects are aimed at controlling the occurrence of risks, but if the control fails, risks will inevitably occur. At this time, there must be corresponding emergency measures to control risks again, and the result is to minimize losses and ensure that the fundamental interests of enterprises will not be harmed.
6. Control and standardize the occurrence of risks from the system.
1) Establish a risk management system to control and standardize the occurrence of risks from the system. Establishing a risk management system is to establish a company's internal control system. Enterprise internal control is to control the risks that may be brought by "different people's behaviors" by formulating processes, implementing processes and monitoring processes to ensure that the risks are known, controllable and affordable.
2) Five principles must be observed:
L the principle of mutual containment. Every complete economic and business activity of an enterprise can only be completed through two or more mutually restrictive control links. In the horizontal relationship, it should be handled by at least two independent departments or personnel, so that the work of this department or personnel can be supervised by another department or personnel; In the vertical relationship, at least through two or more positions or links that are not subordinate to each other, the lower level is supervised by the higher level, and the higher level is restricted by the lower level. Incompatible responsibilities such as authorization, execution, recording, storage and inspection should be controlled separately from each other.
L the principle of coordination and cooperation. All departments or personnel must cooperate with each other, all posts and links should be coordinated and synchronized, and all business procedures and formalities should be closely linked to ensure the effectiveness and continuity of business management activities. The principle of coordination and cooperation is the deepening and supplement of the principle of mutual containment. To implement this principle, we must avoid mechanical practices that only contain mistakes and shortcomings and ignore work efficiency, and must contain and coordinate with each other to complete business tasks on the premise of ensuring quality and improving efficiency.
L program positioning principle. An enterprise shall, according to the nature and function of economic business, divide its management activities into a number of specific jobs, and give corresponding responsibilities and authorities according to the nature of the jobs, stipulate operational procedures, clarify inspection standards, and unify responsibilities and rights. It is necessary to form a reward and punishment system in which everyone is in charge, everyone is full-time, things are standardized, and work is inspected, so as to increase everyone's professionalism and sense of responsibility and improve work efficiency.
L the principle of cost-effectiveness. The cost of implementing internal control is lower than the resulting income, and strive to obtain the maximum economic benefit with the minimum control cost.
l？ The principle of layered benefit. Correctly handle the relationship between enterprise internal control levels and work efficiency, and prevent the phenomenon of "group tactics" to increase levels in order to obtain better internal control effects. Taking efficiency and usefulness as the starting point, we should reasonably set up internal control levels (or personnel), clarify the responsibilities and authority of each level, strengthen the sense of responsibility of each corresponding level, and improve the usefulness and efficiency of enterprise internal control.
7. Avoiding and transferring risks
Risks are inevitable and can be passed on. For example, property insurance is to pass on the risk of investment accidents; Buying goods on credit is the transfer of financing risk, and leasing instead of buying equipment is the transfer of investment risk. As long as it is used properly, it can really minimize the risk of the company.
Fourth, how to avoid risks in company operations?
Enterprise risk refers to the possibility that something may have a negative impact on the realization of enterprise goals. Enterprises will encounter various risks in the process of formulating and realizing their own goals, so risk management is needed. Enterprise risk management is to analyze the company's internal and external risks and formulate systematic management strategies to deal with these risks, so as to improve the company's profitability and achieve the company's goals.
Business risks of enterprises usually include the following five types: 1, policy risk: refers to the influence of national policy changes on industries and products (macro-control and industrial policy guidance); 2. Market risk: refers to whether an enterprise's products are marketable and competitive in the market (technology, quality, service, sales channels and methods, etc.). ); 3. Financial risk: refers to poor management of enterprises. Cause difficulties and even bankruptcy (capital structure, asset-liability ratio, accounts receivable and payable, cash flow problems, etc. 4. Legal risk: it is careless signing and falling into the contract trap, resulting in serious economic losses (breach of contract, fraud, infringement of intellectual property rights).
How do enterprises avoid risks?
Enterprise risk refers to the possibility that something may have a negative impact on the realization of enterprise goals. Enterprises will encounter various risks in the process of formulating and realizing their own goals, so risk management is needed. Enterprise risk management is to analyze the company's internal and external risks and formulate systematic management strategies to deal with these risks, so as to improve the company's profitability and achieve the company's goals.
Business risks of enterprises usually include the following five types: 1, policy risk: refers to the influence of national policy changes on industries and products (macro-control and industrial policy guidance); 2. Market risk: refers to whether an enterprise's products are marketable and competitive in the market (technology, quality, service, sales channels and methods, etc.). ); 3. Financial risk: refers to poor management of enterprises. Cause difficulties and even bankruptcy (capital structure, asset-liability ratio, accounts receivable and payable, cash flow problems, etc. 4. Legal risk: it is careless signing and falling into the contract trap, resulting in serious economic losses (breach of contract, fraud, infringement of intellectual property rights).
There is also an effective internal control system to answer.