金融學(xué)專業(yè)外文翻譯---保險(xiǎn)業(yè)對(duì)企業(yè)風(fēng)險(xiǎn)管理的實(shí)證研究-金融財(cái)政-全文預(yù)覽
【正文】 search pleted in 2021. The initiatives of four major global European insurers(hereinafter referred as “CASES”) were studied for this purpose. Out of these four insurers one is a reinsurer and the remaining three are primary insurers. They were at various stages of designing and implementing ERM. A total of fiftyone facetoface and telephone interviews were conducted with key personnel of the CASES in between the end of 2021 and the beginning of 2021. The parative analysis (pareandcontrast) technique was used to analyze the data and they were discussed with several industry and academic experts for the purpose of validation. Thereafter,a conceptual model of ERM was developed from the findings of the based on the data are arranged under five dimensions. They are understanding。rather, managing downside risk and taking the opportunities from upside risk should be the key management goals. Consequently, ERM is believed as an approach to risk management, which provides a mon understanding across the multidisciplinary groups of people of the anization. ERM should be proactive and its focus should be on the anizations future. Organizations often struggle to see and understand the full risk spectrum to which they are exposed and as a result they may fail to identify the most vulnerable areas of the business. The effective management of risk is truly an interdisciplinary exercise grounded on a holistic framework. Whatever name this new type of risk management is given (the literature refers to it by diverse names, such as Enterprise Risk Management, Strategic Risk Management, and Holistic Risk Management) the ultimate focus is management of all significant risks faced by the anization. Risk is an integral part of each and every action of the anization in the sense that an anization is a basket of contracts associated with risk (in terms of losses and opportunities). The idea of ERM is simple and logical, but implementation is difficult. This is because its involvement with a wide stakeholder munity, which in turn involves groups from different disciplines with different beliefs and understandings. Indeed, ERM needs theories (which are the interest of academics) but a grand theory of ERM (which invariably involves an interdisciplinary concept) is far from having been , for practical proposes, what is needed is the development of a framework(a set of petent theories) and one of the key challenges of this thesis is to establish the key features of such a framework to promote the practice of ERM. Multidisciplinary Views of Risk The objective of the research is to study the ERM of insurance panies. In line with this it is designed to investigate what is happening practically in the insurance industry at the current time in the name of ERM. The intention is to minimize the gap between the two munities (., academics and practitioners) in order to contribute to the literature of risk management. In recent years ERM has emerged as a topic for discussion in the financial munity,in particular, the banks and insurance sectors. Professional anizations have published research reports on ERM. Consulting firms conducted extensive studies and surveys on the topic to support their clients. Rating agencies included the ERM concept in their rating criteria. Regulators focused more on the risk management capability of the financial anizations. Academics are slowly responding on the management of risk in a holistic framework following the initiatives of central idea is to bring the anization close to the market economy. Nevertheless,everybody is pushing ERM within the scope of their core professional focus of ERM is to manage all risks in a holistic framework whatever the source and nature. There remains a strong ground of knowledge in managing risk on an isolated basis in several academic disciplines (., economics, finance, psychology,sociology, etc.). But little has been done to take a holistic approach of risk beyond disciplinary silos. Moreover, the theoretical understanding of the holistic (., multidisciplinary)properties of risk is still unknown. Consequently, there remains a lack of understanding in te
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