Trnh n ri ro Hon chuyn ri ro

Ging
nhau
- u cng mc ch l gim ri ro cho la chon ca mnh.
- D dng cch no, gim thiu n cng th u phi chu 1 phn no ri ro, d l t
nht. c th hon chuyn ri ro chuyn ton b ri ro bng cch cho thu li nhng
cng phi chu 1 phn trch nhim no khi cho thu li cng trnh ca minh.
- u gim i li ch kinh t, ca c bn thn v cc lnh vc lin quan.
Khi
nim
l- L vic thc hin nhng la chn , ra
cc quyt nh thch nghi trong cuc sng
hng ngy. Ni cho d hiu l ta chn 1
la chon, quyt nh tt hn, thay th cho
quyt nh hin ti gim i mc ri
ro
- L khng lm g qu mo him
hay khng chc chn.
L tm nhng phng php chuyn
mt phn ri ro hoc ton b ri ro
sang ngi khc.
Phn
loi
La chn thay th:
- nh ngha: Thc hin mt
hnh ng khc t ri ro hn
thay v hnh ng ban u c
nhiu ri ro.
- V d: Tnh hnh Thi Lan
kh bt n v bo ng, nn
thay v i du lch n Thi Lan,
ta ch th chn du lch qua
Malaisia n nh hn.
- VD 2 : 1 cty xy dng nhn c 1
cng trinh ln, tuy nhin li kh
kh vi cty d rng 1 mnh h vn
c th thc hin c d ri ro tht
bi l kh cao. H s b cng trnh
ny v tm 1 cng trinh nh hn
va tm vi mnh gim thiu
ri ro xy ra
La chn t b:
- nh ngha: L t b mt hnh
ng chm dt ri ro m
hnh ng mang li.
- V d: V khng bit bi th tt
nht l khng i bi trnh
c ri ro cht ui.
Nghch hnh:
- nh ngha: L tham gia vo hai
chiu tri ngc nhau ca cng
mt cng vic. Trong kinh
doanh, phng php ny c
s dng bng cch mua bn
non sn phm vi iu kin giao
hng trong tng lai.
- V d: Ngi nng dn trng
la v mong mun cui ma
bn c la vi gi cao.
Nhng ng thi cng lo s l
cui ma v mt l do no gi
la s gim v lm gim doanh
thu. trnh c ri ro ny,
ngi nng dn s k hp ng
giao sau vi thng li mua la.
Ti y ngi thng li cam
kt thu mua la ca ngi nng
dn vo cui ma ti mt mc
gi xc inh m ngi nng dn
chp nhn c. Trong trng
hp ny, ri ro chuyn t
ngi nng dn sang thng li.
Cho thu li (ton b hay mt phn):
- nh nga: L vic ngi trng
thu v cm thy vic thc hin
ton b cng trnh s mang
nhiu ri ro nn s u thu li
mt phn (hoc cng c th ton
b cng trnh) li cho mt nh
thu ph khc.
- V d: Mt cng ty xy dng
trng thu mt ta cao c 30
tng yu cu thit k l ta nh
s dng in nng lng mt
tri. Vic th k h thng in
mt tri cha nhiu ri ro cho
nh thu: cu trc phc tp,
khng c chuyn gia thit k,
vn bo tr, kinh nghim
trong lnh vc nng lng mt
tri ca nh thu cha c.
trnh c ri ro ny, nh thu
s ku gi nh thu khc thu li
cng trnh in ca cng trnh.
V th, ri ro chuyn t nh
thu chnh sang nh thu ph.
Bo him:
- Khi nim: L vic quy t c
mt s ng ngi ng Ph bo
him bi thng cho mt s
t ngi gp ri ro v b tn tht
trong cng ng .
- V d: V i bin l mt ngh
nguy him, cha nhiu ri ro
nh b cp, thin tai lm chm
tu b p nhng tn tht
khi xy ra ri ro, cc ch tu
gp nhau v lp ra mt hi v
cam kt ng mt khon tin
lp qu. Khi cc thnh vin
trong hi b nhng tn tht
khng mong mun th h s
c b p li bng tin trch
t qu lp ban u. Bng cch
ny, ri ro c chuyn
tng phn nh qua tng ngi
khc trong hi.
Bn
cht
T b hnh ng mang nhiu ri ro
thc hin hnh ng c ri ro chp
Ch t b mt phn li ch gim ri
ro nhng vn thc hin chn la .

nhn c.
c
tnh
- Ch thc hin c khi c s
la chn khc
- Gim thiu ri ro nhng khng
trnh c ri ro.
- Chp nhn chu ri ro 1 mnh
- L cch qun l ri ro n gin
nht nhng vi cch ny ch th
khng dm i mc ri ro, i km
vi vic b l c hi.
- Phi t b li ch khi thc hin
hon i.
- C th trnh c ri ro hon
ton.
- Chia s ri ro vi ngi khc (
i tc, khch hng,..)
- C th chp nhn th thch ri ro
cao, nhng c th c nhiu c hi,
li ch hn.