How to do a good job in enterprise risk control

According to the different sources of risk, it can be divided into external risk and internal risk. \x0d\ (1) External risks of enterprises, including: customer risk, competitor risk, political environmental risk, legal environmental risk, economic environmental risk, etc. \x0d\ (2) Internal risks of enterprises, including product risks, marketing risks, financial risks, personnel risks, organizational management risks, etc. \x0d\ x0d \ Specifically, the following measures can be taken to minimize risks: \ \x0d\ \x0d\ 1+0. Reduce avoidable risks \ x0d \ When an enterprise finds that engaging in an activity will involve too many risks, it can decide to reduce or abandon the activity to reduce or even completely avoid the risks. There are two ways to avoid risks: one is to completely refuse to take risks, and the other is to give up the original risks. However, the applicability of this method is limited. First of all, avoiding risks will make enterprises lose the benefits they can get from risks; Secondly, the method of avoiding risks is sometimes not feasible; Third, avoiding one risk may lead to another, for example, an enterprise replaces air transportation with railway transportation. \x0d\ x0d \ 2。 Diversification of risks \ x0d \ Diversification of risks means that enterprises adopt diversified management, investment and financing strategies to attract multiple suppliers and customers, so as to achieve the purpose of diversifying various risks of enterprises. People often say that "don't put all your eggs in one basket" is the principle of risk diversification. Diversification of risk is to reduce the fluctuation of risk loss by increasing the number of risk units. In this way, on the one hand, enterprises can accurately predict risk losses, on the other hand, they can reduce the funds needed to prevent insurance losses. However, in real economic life, under the circumstances of insufficient market demand and increasingly fierce competition, many enterprises have adopted a variety of business strategies. As a result, not as expected at first, more enterprises are in trouble. It should be pointed out that although diversification strategy has advantages, diversification requires higher comprehensive ability of enterprises. For some enterprises in China, the products formed for various reasons are single and convergent, and the conditions for diversified operations are not yet available. Therefore, general enterprises should use this strategy cautiously, even if they choose this strategy, they should also focus on their own advantages and combine the resource conditions of enterprises. \x0d\ x0d \ 3。 Transfer Risk \ x0d \ Enterprises can transfer risks in various ways in advance, such as insurance or non-insurance transfer, so as to avoid the harm and disadvantage to their economic activities after taking risks. Modern insurance system is the most ideal way to transfer risks. Enterprises should strengthen insurance awareness, strengthen property and medical insurance, and transfer possible risk losses to insurance companies. In addition, on the basis of fully identifying and evaluating our own risks, we can transfer those larger risks to the other party through the terms of the contract. Implement investment decisions and strive to reduce investment risks. \x0d\ x0d \ 4。 Strengthen the cultivation of operators' own quality and improve the level of risk management \ x0d \ As the saying goes, correct yourself first. Having a strong and high-quality management team means that starting a business is half the battle. Therefore, business operators must first change their concepts and pay attention to risks. First, we must realize that "it is difficult to start a business and it is difficult to keep it." Recognizing this, business operators can constantly reflect on themselves, find the gap between themselves and an excellent business operator, and make up for this gap; Only in this way can we continue to learn and make progress, always maintain an enterprising and innovative mentality and consciousness, and truly keep pace with the times; Only in this way can we constantly examine our own management and avoid major mistakes in management. Second, we should dare to constantly reflect on ourselves. Enterprise managers should learn not to make any excuses for themselves at any time, face the facts bravely, and cultivate their courage and strategies against the status quo. In the face of adversity, don't blame others, but reflect on yourself. Third, don't pass the buck at any time. At any critical moment, business operators \x0d\ should be responsible for their own words and deeds, as well as the words and deeds of employees and their consequences. Being loyal to one's responsibilities and obligations is a necessary condition for an operator. Secondly, in the face of a large number of uncertain factors and various risks, scientific analysis and prediction are carried out to grasp the trend. \x0d\ x0d \ 5。 Establishing risk information system, strengthening communication and adequate information are the cornerstones of successful risk management. Small and medium-sized enterprises have shortcomings in data storage, which often becomes a major obstacle to risk management. Therefore, it is necessary to establish and improve the risk information system in order to identify risks in time, correctly evaluate risks and feed back the results. On the basis of information system, enterprises can also establish early warning mechanism, set up early warning index system and its value range and critical point, quickly capture risk precursors, and remind decision makers and managers to take preventive and defusing measures in time. At the same time, strengthen the cooperation and information feedback between departments, so that every employee must understand the relevant aspects of the risk management system, how it works, its role in the internal control system, and its responsibilities and obligations. In addition, the information transmission between the subsystems of the company system remains smooth. Externally, it is necessary to deal with information related to external matters, activities and environment in time, communicate effectively with external customers, suppliers, government departments and shareholders, and ensure that external information such as market, policies and technology is input into the company in time, which can effectively make up for the lack of internal control of the company. \x0d\ \x0d\6。 Perfect risk learning mechanism \x0d\ Learning and accumulation of risk knowledge is an important way for enterprises to acquire and maintain risk management capabilities. Learning mechanism can create an environment of equal competition and wisdom in the company and make up for the ability gap between individuals and teams. Risk learning should be one of the central tasks of risk management, and the learning process must be continuous, not temporary work associated with a specific risk management project. The continuous learning process needs a perfect and strict system to guarantee, restrict and standardize. Detailed risk management records can promote experience exchange and information feedback, and are also an important tool for risk learning. \x0d\ The cultivation of enterprise risk management ability largely depends on the learning and accumulation of risk knowledge. A learning enterprise organization can continuously acquire knowledge, update knowledge, use knowledge and create knowledge, so as to continuously strengthen the existing risk management capabilities and develop and learn new risk management capabilities. In this sense, the learning mechanism of risk determines the time path for small and medium-sized enterprises to grow up in risk and their ability to resist risk. \x0d\ x0d \ 7。 Establish an effective incentive mechanism to activate the human resources of enterprises \ x0d \ The competition of modern enterprises is the competition of talents. Talent is the most important and active factor among many factors of productivity, and it is also one of the most valuable assets of enterprises. Its quantity, quality and structure largely determine the success or failure of an enterprise. Many enterprises are relatively short of talents because of their small scale. Moreover, due to the limited development space, especially high-quality management talents and technical backbones are seriously lost. Therefore, it is more necessary and urgent for enterprises to establish an effective incentive mechanism and activate human resources. Through the incentive mechanism, fully stimulate the enthusiasm and creativity of employees, tap the potential of employees, and closely link the personal development of employees with the development of enterprises. \x0d\ x0d \ 8。 Perfecting the internal control system of enterprises \ x0d \ The original internal control system of enterprises can no longer meet the requirements of global market competition, especially for small and medium-sized enterprises. In order to be eliminated in the current financial crisis and fierce market competition, it is necessary to further improve the internal control system, flexibly expand the corresponding internal control policies according to market requirements, improve business conditions and cultivate sustainability. First of all, the risk management of small and medium-sized enterprises should be based on the established business strategy, use various risk analysis techniques, find out the business risk points, and adopt appropriate methods to reduce risks. Emphasis should be placed on prevention, that is, reducing possible risks by adding, supplementing or standardizing various internal control links; Secondly, we should start with the organization, such as establishing an internal supervision organization, regularly checking the high-risk areas of enterprises, and finding existing or potential risks in time; Finally, be good at transferring risks, such as buying insurance. \x0d\ In short, based on the requirements of risk management, enterprise risk management must run through the whole process of enterprise control and improve the original internal control system.