风险管理

管理企业相关风险需要：识别并分析可能对企业产生负面影响的因素，并针对每项风险选择最合适的应对方式。风险可能是直接或间接的，也可能来自企业内部或外部。

其目标是通过制定相关政策、流程、活动与措施，降低企业的整体风险水平。每位企业负责人必须确定自己的风险承受能力。

Risk Management

Managing the risks associated with your business requires identifying and considering the things that may have an adverse effect on your business and choosing the best method of dealing with each of these identified risks. Risks may be direct or indirect, and internal or external.

The aim is to put in place the relevant policies, procedures, activities and actions to reduce the overall risk to your business. Each owner-manager must also determine their level of risk appetite.

识别企业面临的潜在风险

分析这些风险可能带来的影响

制定风险管理计划 ，以降低整体风险

Identify the potential risk to the business.

Analyse the potential impact on the business.

Prepare a risk management plan to reduce overall risk.

风险承受能力

风险承受能力可定义为「一个组织为实现其战略目标而愿意承担的风险量级和类型」。（风险管理协会，2024 年）

Risk Appetite

Risk appetite can be defined as 'the amount and type of risk that an organisation is willing to take in order to meet their strategic objectives’. (Institute of Risk Management 2024)

不同组织的风险承受能力会因所在行业、文化和目标的不同而存在差异。针对不同类型的风险，组织的承受程度各不相同，且这种承受程度可能会随时间变化。例如，像政府机构这类受严格监管的组织往往倾向于规避风险，而先进制造业或软件开发领域的初创企业在决策和行动中可能更愿意承担较高风险。

尽管不同的人对风险承受能力的理解总会有所不同，但一份沟通到位、恰当合理的风险承受能力声明，能够切实说明组织实现其风险管理目标。

Organisations will have different risk appetites depending on their sector, culture and objectives. A range of appetites exist for different risks and these may change over time. For example, highly regulated organisations like government agencies are likely to be risk averse, whereas, advanced manufacturing or software development start-ups may be more inclined to embrace higher levels of risk in their decision and action.

While risk appetite will always mean different things to different people, a properly communicated, appropriate risk appetite statement can actively help organisations to achieve their risk management goals.