论企业风险管理中损失融资的应用

The Application of Loss Financing in Enterprise Risk Management

风险是企业经营中不可避免要面对的,意外事件的发生会影响企业的运营,导致企业资金链的断裂,甚而致使企业有灭顶之灾。因而,企业应通过风险管理来降低风险的可能性和成本。损失融资是风险管理的一种,它通过获取资金而支付或抵偿损失。在损失融资中,投保与自留是两种主要的方法。企业应在投保与自留之间进行权衡。

Risk is a serious problem that enterprise manager have to deal with. Accidents may influence corporations＇ running, induce capital chain rupture, and even lead to bankrupcy. Risk management should be adopted to reduce the cost and possibility of risks.Loss financing is introduced in this paper with two primary methods, namely, insurance and self- remaining.