Risk Management means the planning and evaluation of the risk by choosing the best disaster. To manage the loss and the effects of the ongoing process of risk management are as follows.
1. The analysis of hazards that could cause damage.
2. Finding ways to manage the risk.
3. Selection of the best.
4. Compliance plan or method selected.
5. Check and change the way to suit the changing threat.
There are multiple types of the ways to manage the risk;
1. Risk avoidance: done by
Do not get involved with the event, or to pose a risk it such as
- Horror crash, do not going to fly
- Can not be used to finance investments for fear of loss. It takes money to the bank or invest in businesses with less risk.
However, to avoid the risk can sometimes be a disadvantage, because sometimes we may reject projects with high risk but there are many benefits to society such as ; Atomic Power Project, important minerals industrial. The risk of causing pollution, but with high economic benefits. So sometimes the management of risk by the way, this should be a last way.
2. Risk Reduction: may be achieved by reducing the number of times (frequency), or reduce the severity of the disaster (severity). There are 3 methods;
2.1 Loss Prevention
It is done before any damage occurs such as replacing old wiring or electrical equipment. Labeling No smoking in the factory.
2.2 Loss Control
This is done during or after the damage occurs. In order to control the intensity of damage or decrease damage such as the firefighters fight fire in a timely manner. The installation of automatic fire sprinkler.
2.3 Separation
This is done before the damage such as keep your valuables in different places. Separation products for several warehouses.
3. Risk Retention
We accept the burden of damage caused by the disaster itself, if there is intentional or not, and this may be responsible for some or all of any risk management method is realistic. There are;
3.1 Disaster occurs, causing little damage, enough to undertake such disaster caused by the loss of affordable pen.
3.2 Risk can not be transferred to others, such as the exporter or foreign investors must accept the risk that their assets are foreign governments to seize or attach a number of reasons.
3.3 Has determined that this cost is minimal.
4. Risk Transfer
Risk management is very popular today, by transferring the risk to cause damage in whole or in part to another person, the burden of which is how to do it two ways.
4.1 Non-insurance Transfer
Refers to the transfer of risk to a person other than the insurance company by contract whereby certain types of counter party risk will be transferred in compliance with that agreement such as hiring a company to clean the exterior of the high building. The guarantees of the employees.
4.2 Insurance Transfer
The transfer of risk to the insurance company in terms of the insured by an insurance policy with an insurance company. The insurance company promises to pay damages to the insured for damages arising And is protected under the insurance contract such as car insurance is a transfer of risk of damage to occur to the vehicle to the insurance company by promising that if the car accident, the insurance company will pay for damages or repairs.
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Risk Management, Risk avoidance, Risk Reduction, Risk Retention, Risk Transfer, insurance, Thailand insurance, insurance online, online insurance
2.1 Loss Prevention
It is done before any damage occurs such as replacing old wiring or electrical equipment. Labeling No smoking in the factory.
2.2 Loss Control
This is done during or after the damage occurs. In order to control the intensity of damage or decrease damage such as the firefighters fight fire in a timely manner. The installation of automatic fire sprinkler.
2.3 Separation
This is done before the damage such as keep your valuables in different places. Separation products for several warehouses.
3. Risk Retention
We accept the burden of damage caused by the disaster itself, if there is intentional or not, and this may be responsible for some or all of any risk management method is realistic. There are;
3.1 Disaster occurs, causing little damage, enough to undertake such disaster caused by the loss of affordable pen.
3.2 Risk can not be transferred to others, such as the exporter or foreign investors must accept the risk that their assets are foreign governments to seize or attach a number of reasons.
3.3 Has determined that this cost is minimal.
4. Risk Transfer
Risk management is very popular today, by transferring the risk to cause damage in whole or in part to another person, the burden of which is how to do it two ways.
4.1 Non-insurance Transfer
Refers to the transfer of risk to a person other than the insurance company by contract whereby certain types of counter party risk will be transferred in compliance with that agreement such as hiring a company to clean the exterior of the high building. The guarantees of the employees.
4.2 Insurance Transfer
The transfer of risk to the insurance company in terms of the insured by an insurance policy with an insurance company. The insurance company promises to pay damages to the insured for damages arising And is protected under the insurance contract such as car insurance is a transfer of risk of damage to occur to the vehicle to the insurance company by promising that if the car accident, the insurance company will pay for damages or repairs.
tag
Risk Management, Risk avoidance, Risk Reduction, Risk Retention, Risk Transfer, insurance, Thailand insurance, insurance online, online insurance
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