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411 views33 pagesBài Giảng Quản Trị Rủi Ro (TS.ngô Quang Huân) - Chương 1- Tổng Quan Về Rủi Ro .Và Quản Trị Rủi
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/ 33
QUAN TRI RUI RO
IFS. NGO QUANG|HUA}
KHOA QUAN TRI KINH DOANH
DAI HOC KINH TE T.P| HO CHI MIINH Nn EF Go
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UNG CO BAN
TONG QU
AN VE RWI RO
VA QUAN TRIJRUI RO
NHA|
DO LUO
eT
N DANG RUIRO
M SOAT RUI RG
TAI TRO RUI RO
G RUI RO wi
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ic)
ial
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Quan ly Khung hoang -
N
D
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Ks
Ente! c ro- Nha xua
lan — Neuyén Quang ©
1an tri nui ro doanh ng
Tarr 6) eee
XB Tdre hop TPHC
ang gid va phohg ngiral
KB Thong ke 3002 —
eK co ohh = thure ti
TA OMB SRY
sites
AT
uO
guyen
Sento
esUOse
ban gifio duc
hi¢p NXB Tho:
ing kin
am
onmnere
— 2008}
Neal
dar
ow
doanh
hap da
Samet
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3; Ngo Quang
N02 Netyén
sEGvaverceles
rong kinh doanh Ngan Hang
Van Tien
cima joelevoyersy
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Risk — Nguy co’ Dan Gardner Kk)
so hai. NXB Lao dong 4
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imeemycnce UenTurnres
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Breritn mi Hong
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isk Management and |
thur Williams|Jr. — Ur
>chnical Risk
entice Hall PTR. Toso
Introduction to Risk Ma
MARK S.DORFMAN.
eee
VAUGHAN.
an tich|thi truong tai chinh —
Fundamentals of risk and insurdnce.
hoang NXB Thong ke
En
surance Seventh Edition 199:
iversity of Minnesota.
ment — Jack V. Michaels,
agement PAWN Uunsereetn\Gemmelte]
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YE
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x
5
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cope
OT SO KH
1. Rui ro
o hate dinh
AN TRI RUI R'
. Lich a phat
O)tret) th rui ro mot a chue
Me Vom teunite
quan tri chién loc Qua tr
COmelunereey
VA QU
Al NIEM
rién chue nal
quan 1 ruin
Pamela NIE
TONG QUAN VE RUI RO
AN TRI RUI RO
ERUIRO
ng quan tri rui ro
, quan tri hoat dong va
lime ieleenten
ing trinh quan tri ru{ ro SUeivaitea yi Tmeatnor mit
Rui ro 1a ra Sie
AVatean curate ent recto |
Theo |Giao su Nguyé
may |
TU iteroyitumaltein LO Nerorn
dau d
‘Trong
ICOM erATe VON eAVINCH DW
du ki
STU cOMe MTU realy
Nuaty
OPHNM Coon me Lercte mtr ET
Nhu y
aye
rein
Ome iNet) bb eeee
Tel at Cen cto
nt
SMe continue
~rui ro 1a nl
li¢n quan dén
20 thé xay rac
IeTePe
ap}
he Gti
barrel
corti
rac Ngo,
doanh
De
nguy hi
rc)
Nonem te)
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inet
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Suelo
alingetel
Iirwen rege ite (eve
em. kh
Uroliee
nghi¢p, tac dor
Buel
croton
nang g:
oubytan
Vnverero muy
Jon Xay
mene
Oeil
COC
Inte)
afoot
ng (tiéu cuc)
rato ee)
din nghia ~ru
uc té so yor loi nhuan|
mE CO Nes
Ig xau d
. nguy
Tor Toxe (ttm enronryne nate
melee
(Stsuace
Monn
len (ttr dién tié
ma avrernoW crereten o}I
su khoi
iro las
sera
ein
ac Cac
My IMU
rui
me
ui
stirs
eos
sneer
ite)
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nao
the
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SVUrEE
rainy
Truong phai ime hoa
RONEmSUifestmnrerorconlite
(seed reroreohurenltsr
2 doi (Allan Willett)
TOM Eca cmon imgrel EI oluet
Oo AN TU Tin Wat Nerina
Totetomee) DOMO PLUbIoM eee
het cac hoat dong cua
g thé dur doan nee ¢
io CAN Onsim smell ty
mot hamh oie renee
Joan true”
t6i nhimng ton that.
hg cling co the mang di
“tui ro 1a su bat trac co
HHLTeReMU LOL ee MeL om Mure DD CLLETSS
bneayetey
Fomalexoxot@ eran
POT Cual eM onto)
(clon ltres
quan d
ura bie
Cietaatat
é xuat
Tamale muna
Micheal, LSm
ua. Rui ro c6 thé
Connie
inh xa¢ két qua, Sur hig
guy do rui ro phat
h kha nang duge hoae
etn em btal met ren
nguy Me
ig cohdi”.
Five een
SHH
Knight
CCeyt enrennney
cei
i rola su bien
Havre neces
Oi. Khi co. rui ro ngudi ta
oil ten rated
nN ieacea ett
Imat khong
eee i= duoe. Rui ro
ui ro cd the
ho con|nguoi RUI RO
Rui ro 1a su bién dong tiem an o cde két qua.
56 lugng|cac két qua c6 thé c6 ¢ang Ion,sai
léch gitta cdc két a c6 thé c6 cang cao thi rui
ro cang Ion.
IRON FelmnCOre khai niém khach quan ya co thé
dolluong duoc. rroernl eaten lewecoonMenecen erento
+ Rui ro suy dodn la nhing
goi la phan thuong cho rt
+ Rui ro thuan thy 1a mhitng roi r
hudéng ton that hay khong ton t
RUI nt THUAN TUY VA RUI RO
SUY DOAN
rave}
econ
xay ra.
Cermeene eli
at, trudng hop
dan dén tinh
hudng tom that hodc!sinh loi, Phan sinh loijcon aVAies UU
ro ton that
‘o thuan ty:
seta Ioan)
co dung xe, ngupi do s
Ne oreyureay ote (alo myen ian}
sueebi kom vine
i ie FA 3
Ae clt
fe Ie
thuan tuy
spLOvUnpNeaneent
hinh cua nguy
‘0 suy |doan:
hi luén luon
AY
TnreaUKOE
(eter
veumele)
BTUn iy
HNLUreTaIB tren GO ME Hoa
Tv
ae
ea oven ee Me ve tal
ng cd|loi gi ca, Vi he tinh
chu mpt chiée xe cb rui
(SU DITClen MUN Co Ce Néu
hinh. INéu
PUN en OnoRIANY CO
yao mét du an yon c6
at bai. Nhting rui ro
guoi ta kh chiu, nhung
tO Suy doan C6 mat ah dan nao do. RUI RO rel) nit DA NTE! WN
KHONG THE DA DANG
+ Rui ro co thé daldang Hay con goi la rui ro khong co
tinh hé thong, rui ro dae trung. Day|la nhtmg rui|ro
thuOng xay ra trong pham vi hep, mang tinh riéng co.
ream ton vel ruts han chia, giam thieu duoc iatnonestety
da dang ae bang cdc hgudn|quy gop chung.
sie SAU) enone
ng thé da dang hoa hay con goi 1a nui ro hé
inno) aroae tig thi trudng, Day a nhimg rui ro nay sinh
tl nhitng tac dong to lon cua thi truong thuong nam
ngoai su Kiem soat cua doanh nghiep va khong the
giam thieu duoc bang cach da dang|hoa. Vil DU
= Rui ro cho nei dau tu c6 phiéu khi céng|ty
bi pha san, khi da dang hoa rui ro nay sé giam.
= Nhirng thoa higép dong gop sé one e Ele
huong dén phurong dién ni ro ve su tri tré nen
kinh té toan cau boilvi ruil ro nay co anh huong
Col MiecLerer-Wan aus nTeMureyecCHImGAreUUDInSA emxcVO ME NTUMeL TDS
mot cach thie! va valo cing mot thoi diém no ne DAC TRUNG
ex iell Rb QUIAN LY
On ilidiny rui ro nay sinh do trinh do yéu ké
etn gure oe vilvay quyét dinh do ho dualra
co thé sai lam gay|ton hai tham|chi pha-san
Roly Manse
IGT ) i NN!
+ | La nhting mii nay sinh do tai san va co cau tai san
doanh nghi¢p nan) gitr.
3. RUIFRO TAI TRO
¢ La nhitng rui ro va trach|nhiem| phap [ly nay sinh
tir co cau nguon von cual doanh! nghiep.
i) i
5 Nr Aienaccontt
hitng|thay 40i trong thi net oie w erro
fo
RUI ROT
hang
(elntnrermeloemecrn
iene el (ohne
dan so.
Tiién bd khoa ee interes
HI TRU
ng coche quan
Clone oenertenrete
MVE ire
erty
ONG
iY
lao dong, BAT DINH
= Su chae chan la mot trang thai khor
= Phdn nghia cua tir chac
a
ae
doan ket qua tung lai
hién tai”.
Cs SeyipernvommOTUevarn) GUase breTeel
Mie iclactreinteeeSiumerterel
la gi. Bat dinh la mot
chan [a su bat din
nghi ngo kha nang bua chung ta
Glennon lett
ai niém chu
nh” mo tam
ial ep eeaten nC
bat dau y thire rang khong thé biét chac c’
aon)
trong
ei
(o[trene
ene en
Reon rani ee)
oan ae
reenter)
nhiing hoat dong
Oana
Ot ca mhan
an kéet}qua ie Aiton rere
Las) oturareg
= |Nhtng
2
= |Nhttng
Las pNy oturarey
5. Muc 2 (S$
= |Nhtmg
= |Hoa hoa
ml
Nhting:
Tham h
khong duge bit
(ture 1a chac| chan)
et qui co thé duge ti
qui luat vat li. ¢ac mo
_ Mite | (Str bat dinh khach q
<ét qud due nhan ra
tro choi may rui: bai.
lu bat dinh chu quai
ét qua duoe nhan ra
TAT ENING
