我国企业风险管理问题及对策毕业论文.doc

我国企业风险管理问题及对策
【摘要】:随着经济全球化和经济一体化进程的加深,我国企业正面临着一种更加复杂和多样化的环境。风险管理是使不希望发生的事件引起的负面后果最小化的管理过程。目前,我国已经形成了较为完整的风险管理理论体系,将组织整个生命期不同层面上的风险因素进行识别、衡量和评估分析,再制定风险管理规划,对风险因素提出处理方案和监控措施。但在风险管理的应用领域还存在一定的局限性,体现在:应用的深度和广度还不够、缺乏风险管理的专业人才、企业风险管理制度不完善和对潜在风险的评估和预警管理相对滞后。本文主要从风险的定义入手,介绍了企业风险管理定义特征,进而分析企业对风险管理进行防范的价值所在,针对风险管理所产生的问题,提出避免损失的解决方案。
【关键词】:风险管理企业问题对策
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目录
摘要······································································································1
目录······································································································2
1 风险及其特征······················································································3
风险的概念······················································································3
风险的特征······················································································3
2 风险管理及其对企业的作用···································································4
风险管理的概念与认识······································································4
风险管理对企业的作用······································································4
3 我国企业风险管理存在的问题································································5
只重视内部控制设计而疏于其执行效果,使企业承担巨大风险················5
企业风险管理组织结构不完善,缺乏可操作性·······································5
混淆风险管理与内部控制的关系··························································5
风险意识淡薄,忽视对企业未来的预测················································5-6
风险管理机构缺乏真正独立性·····························································6
过分关注内部控制细节而忽视企业风险管理··········································6
企业风险管理与内部控制脱离·····························································6
对风险管理缺乏足够重视·································································6-7
企业缺少必要的问责制、考核制及其相应的奖惩制度匮乏,缺少风险责任追究 ·········································································································7
4 解决我国企业风险管理问题的对策·····················································