风险管理

风险管理有助于降低突发事件对企业的影响。此外，风险管理还能帮助您：

通过了解客户、供应商、员工及社区的期望，改善彼此关系
让员工感到工作场所安全以提升士气
在自然灾害或经济危机期间维持企业营运
因降低损害风险而减少合规和保险成本

依照法律规定，您必须管理某些类型的风险。例如，您必须管理或降低以下风险：

意外事故和伤害
客户投诉
对环境造成的破坏

Managing risks

Managing risks helps reduce the impact that unexpected events have on your business. It can also help you:

improve your relationships with customers, suppliers, employees and the community by understanding their expectations
improve staff morale by making them feel safe at work
keep your business open during natural or economic disasters
reduce your compliance and insurance costs due to a lower risk of damages.

You're required by law to manage some risks. For example, you must manage or reduce the risk of:

accidents and injury
customer complaints
damaging the environment

如何管理企业风险

制定风险管理计划能协助您评估并管理企业中的风险。主要步骤包括：

识别– 找出企业可能面临的风险
分析– 评估每项风险的严重程度及其紧迫性
评估– 根据既定标准比较各项风险，判断哪些风险需要采取措施处理
处理– 制定并实施应对风险的战略

让员工和其他利益相关者参与此过程非常重要。他们能帮助您找出最大的风险并提供解决方案。

您可能没有足够的资讯或资源来应对所有风险，但一份完善的风险管理计划能让您在战略无效或发生意外时，及时调整应对方式。

來源： www.business.gov.au

How to manage risk in your business

Creating a risk management plan will help you assess and manage risk in your business.

The main steps are:

Identify – work out what risks your business could face.
Analyse – assess the level of each risk and which ones are most urgent.
Evaluate – compare the risks against set criteria to decide which ones need to be treated.
Treat – develop and implement strategies to treat risks.

It’s important to include your staff and other stakeholders in this process. They can help you identify your biggest risks and solutions to treat them.

You probably won't have enough information or resources to manage every risk. But a good risk management plan lets you change your approach if it isn't working or something unexpected happens.

Source: www.business.gov.au

风险管理范例

Jimmy 经营一家运输公司，负责驾驶货车运送商业货品。他每日工作中面临的一些危险包括：

加油时接触化学物质与油气
长时间坐姿不良造成的不适
疲劳，特别是在长途行驶时
夏季高温环境下的作业风险

Jimmy 可采取以下措施来管理工作中的风险：

穿着适当防护衣物以减少接触化学物质
在行程中定期休息、下车伸展和走动以舒缓疲劳
遵守法定工时以降低过度疲劳的风险
在货车内安装空调，并于每次出车时携带饮用水与合适衣物以应对高温

Example of risk management

Jimmy owns a transport business. He drives trucks that pick up and deliver commercial products. Some of the hazards Jimmy faces each day are:

contact with chemicals and fumes when refuelling
uncomfortable seating
fatigue, especially on long journeys
hot weather conditions during summer

Some steps Jimmy could take to manage the risks in his work are:

wearing appropriate clothing to reduce his exposure to chemicals
taking regular breaks during his trips to stretch and walk around
only working the legal hours for his industry to reduce fatigue
installing air-conditioning in his truck and taking water and appropriate clothing on each trip