What does the enterprise risk management system include?

The risk management system includes a series of activities such as risk identification, risk estimation, risk control and risk monitoring. \x0d\ Steps of risk management \x0d\ For modern enterprises, risk management is to identify, predict, measure and choose effective means, reduce costs as much as possible, and deal with risks in a planned way, so as to obtain economic guarantee for safe production of enterprises. This requires enterprises to identify possible risks in the process of production and operation, predict the negative impact of various risks on resources and production and operation, and make production sustainable. It can be seen that risk identification, risk prediction and risk treatment are the main steps of enterprise risk management. \x0d\ Identifying risks \x0d\ Identifying risks is the first step of risk management. Only on the basis of comprehensive understanding of various risks can we predict the possible harm caused by risks and choose effective means to deal with them. There are many methods of risk identification, and the common ones are: 2. 1. 1◆ production process analysis. Production process analysis is a comprehensive analysis of the whole production and operation process of an enterprise, analyzing the risks that may be encountered in each link one by one, and finding out various potential risk factors. Production process analysis method can be divided into risk enumeration method and flow chart method. 1. The risk enumeration method refers to that the risk management department lists all risks in each production link according to the production process of the enterprise. 2. Flowchart method means that the enterprise risk management department systematizes, serializes and makes flowcharts of all links in the whole enterprise production process in order to find out the risks faced by the enterprise. 2. 1.2◆ financial statement analysis The financial statement analysis method is to identify and discover the risks faced by the existing property and responsibilities of the enterprise by analyzing the relevant information such as the balance sheet, income statement and business report of the enterprise. 2. 1.3 insurance survey method there are two ways to identify risks by using insurance survey method: through the insurance list, enterprises can choose the insurance that suits their own needs according to the insurance company's insurance list or special insurance publications. This method only identifies insurable risks, but can do nothing about uninsurable risks. Entrust an insurer or an insurance consulting service agency to investigate and design the risk management of this enterprise, and find out the risks existing in various properties and liabilities. \x0d\ risk prediction \x0d\ risk prediction is actually to estimate and measure risks. Risk managers use scientific methods to systematically analyze and study their statistical data, risk information and the nature of risks, so as to determine the frequency and intensity of various risks and provide a basis for choosing appropriate risk treatment methods. Risk prediction generally includes the following two aspects: 2.2. 1 probability of predicting risk: through data accumulation and observation, the regularity of loss is found. For a simple example, if there is a fire in ten of the ten thousand houses within a period of time, the probability of the risk is11000. Therefore, it is mainly to prevent high probability risks. 2.2.2 Predicting the intensity of risks: assuming that risks occur, it will lead to direct losses and indirect losses of enterprises. It is necessary to focus on preventing risks that are easy to cause direct losses and have a large scale and degree of losses. \x0d\ Risk handling \x0d\ Common risk handling methods are: 2.3. 1 Risk avoidance: passive risk avoidance. For example, houses can be sold to avoid fires, and land transportation can be used to avoid aviation accidents. Because of the following problems, it is generally not used. It may bring additional risks. For example, air transport to land transport, although avoiding aviation accidents, faces the risk of accidents in land transport. Will affect the realization of business objectives. For example, in order to avoid production accidents and stop production, the profit target of enterprises can not be achieved. 2.3.2 Risk prevention: Take measures to eliminate or reduce the factors leading to risks. For example, in order to prevent the warehouse from being flooded, adding flood gates and heightening flood levees can greatly reduce the losses caused by floods. 2.3.3 Self-insurance risk: The enterprise bears its own risk. There are ways: small losses are included in the production and operation costs, and when losses occur, they are made up by corporate income. Establish an unexpected loss fund for high-frequency and high-intensity risks, and use it to compensate when losses occur. The problem is that it squeezes the funds of enterprises and reduces the efficiency of capital use. For larger enterprises, establish professional self-insurance companies. 2.3.4 Risk transfer: before the risk occurs, the risk is transferred by means of sale, transfer and insurance.