Qun tr Ri ro

Mc tiu mn hc
Kt thc chng trnh ny ngi hc c th:
QUN TR RI RO Lu nhiu hn cc vn c yu t ri ro
Nhn bit v phn loi cc ri ro ca n v
p dng mt s k thut nh gi ri ro
Ging vin: Thit k chng trnh kim sot v ti tr cho ri
Trn Quang Trung ro ca n v
Hon thin cc k nng phn tch, truyn t, trnh
by, lm vic nhm, v nng lc t hc

1 2

CC KHI NIM C BN
Ri ro l g? Gi tr ti sn Xc sut
(triu ng)
Cu Cn Th, Vin KHXH sp Khng c 1,000 0.75
Dch cm gia cm, 3MCPD, heo tai xanh ha hon
C ha hon 200 0.25
Gi
Gi xng du, nguyn vt
v liu bin ng
Th trng a c, th trng chng khon Gi tr ti sn 800
nng lnh bt thng trung bnh
Tn tht 200
Li sut, gi vng thay i lin tc
trung bnh

3 4

CC KHI NIM C BN Ri ro l g?

Him ha
Ri ro (risk)
Ngi mo him (risk-
(risk-taker) Ri ro tn ti khi iu bn khng mun n xy ra
Ngi ngi ri ro (risk-
(risk-averse) cui cng c c hi xy ra!!!

Gi ca ri ro (risk premium) Kh nng mt s kin no s gy ra mt

kt cc khng mong i
Ph bo him (insurance premium) trn tnh hnh ti chnh ca cng ty hay
cn tr cng ty t mc tiu nh

5 6

Th.S Trn Quang Trung 1

Qun tr Ri ro

Qun tr Ri ro cn bn Qun tr Ri ro cn bn
Cc loi ri ro
Ngn ng mi ca Ri ro
Ri ro
Ri ro Ri ro
D n
Php l Gi c Ri ro chin lc cc mc tiu chin lc & cc iu
kin v th trng ton cu, kinh t, chnh tr
Ri ro Ri ro Ri ro ti chnh tin t, li sut, ri ro thanh khon & tn
Ti chnh Tnh hnh Ti chnh Mi trng dng
Ri ro vn hnh ri ro lin quan n h thng, quy
Ri ro
Mc tiu
- T vong
trnh, cng ngh & con ngi
Quan h cng ty - Thng tt Ri ro tun th quy nh & lut php
Cng ng - Bt ng Ri ro danh ting thit hi cho nhn hiu
- Tai ha

Ri ro Ri ro
=gun Sn xut
nhn lc Ri ro 7 8
Cng ngh

Qun tr Ri ro cn bn Qun tr Ri ro cn bn
Qun tr Ri ro l g? Qun tr Ri ro l g?

Ni cch khc:
Bn cng bit v hiu v
Bn cng khng bit v Tt c cc kt cc tim nng
Tt c cc kt cc tim nng Kh nng xy ra
Kh nng xy ra Chi ph ca cc kt cc ny
Chi ph ca cc kt cc ny Bn cng c kh nng l
Ri ro cng tng mt nh qun tr ri ro gii
9 10

Qun tr Ri ro cn bn Qun tr Ri ro cn bn
Qun tr Ri ro l g? Qun tr Ri ro l g?
Ch trng vo nng lc t mc tiu trong
tng lai bng cch nhn dng v ra quyt
nh qun l cc ri ro.
Qu trnh thng xuyn nh gi, ra quyt
nh v thc hin, phi hp vi cc hot ng
qun l.
m bo kt cc

11 12

Th.S Trn Quang Trung 2

Qun tr Ri ro

Qun tr Ri ro cn bn
Qun tr Ri ro l g?
S dng cc cng c nh phn tch an ton
lao ng, quy trnh kim sot, s thay i
sn phm / chin lc, nghin cu / ti sn
tr tu kim sot, loi b hay gim ri ro.
Qun tr Ri ro cn bn
Ai chu trch nhim qun l ri ro?
Ri ro th hin qua mi b phn, lnh vc chuyn
mn, c nhn, v hot ng trong t chc.
Mi ngi u c trch nhim!
Trch nhim qun tr ri ro khng th chuyn giao
hoc thu ngoi!

13 14

Qun tr ri ro l
QUN TR RI RO
quyt nh c nhn
Khng c mt quyt nh "ng" Qun tr ri ro tt khng
Quyt nh "ng" ty thuc vo c tnh ca ngn c cc iu ti t
Hot ng xy ra.
C nhn quyt nh
Nhng khi nhng iu ti
t xy ra, qun tr ri ro tt
3

Ri ro
d bo c v gim
thiu cc nh hng tiu
2

1
cc ca chng

Li nhun
15 16

QUN TR RI RO QUN TR RI RO
4 NGUYN TC
1. Khng chp nhn cc
Ri ro ln nht l khng ri ro khng cn thit.
bit tt c cc ri ro 2. Ra cc quyt nh ri ro
cp thch hp.
Vn ln nht c nhiu Ri ro
ri ro nm ngoi tm kim 3. Chp nhn ri ro khi li Li ch
ch nhiu hn chi ph.
sot ca bn
4. Kt hp qun tr ri ro
vo vn hnh v hoch
nh mi cp.

17 18

Th.S Trn Quang Trung 3

Qun tr Ri ro

QUY TRNH
QUN TR RI RO
1. Nhn dng tt c cc s kin ri ro
lin quan c th cn tr vic t cc
mc tiu ra
2. nh gi tng ri ro da trn xc sut
v nh hng, ri xp hng u tin t
cao xung thp

19 20

QUY TRNH QUY TRNH

QUN TR RI RO QUN TR RI RO
3. nh gi cc bin php kim sot cho 5. Truyn t chin lc qun tr ri
tng ri ro theo ro n t chc
Hiu qu 6. Gim st cc s c v cc ch bo
Chi ph pht sinh ri ro tim nng khc
4. X l tng ri ro bt u t u tin 7. nh k xem li chin lc qun tr
cao nht ri ro

21 22

QUN TR RI RO QUN TR RI RO
QUY TRNH 6 BC Bc 1. NHN DNG HIM HA
Mc ch l nhn ra cc him ha cng nhiu
cng tt.
6. Gim st 1. Nhn ra
v Xem li Him ha Him ha l bt k iu kin tim nng hay thc
t no c th lm suy gim s mng, gy ra tn
thng, bnh tt, t vong hay thit hi ti sn.
2. nh gi
5. Thc hin
Ri ro
Kim sot
Ri ro
3. Phn tch
4. Ra cc cng c
quyt nh Kim sot
Kim sot ri ro

23 24

Th.S Trn Quang Trung 4

Qun tr Ri ro

QUN TR RI RO QUN TR RI RO
CNG C NHN DNG HIM HA CNG C NHN DNG HIM HA
Cng c Mc ch Phng php Cng c Mc ch Phng php
Phn tch vn Hiu cc dng s kin. S khi, biu pht trin, X l tnh Tng tng v hnh dung ra Dng phn tch vn hnh,
hnh hay m t vn hnh theo thi hung cc him ha bt thng. hnh dung dng cc s
gian kin.
Phn tch him Thm d nhanh tt c Xem xt cc ngun him ha,
ha s cp cc bc trong vn thng lin quan n nng Biu Logic Thm cc chi tit chnh xc Ba loi biu - tch cc,
hnh. lng vo qu trnh bng cc cy tiu cc, v s c ri ro.
biu .
Phn tch Nu - Nm cc yu t u vo K thut ng no theo nhm.
th
th v nhn lc, vn hnh Nu iu ny xy ra th sao? Phn tch s Khm ph cc gi t him So snh tnh trng hin
trong mi trng. thay i ha v cc thay i c nay v trc y.
hoch nh cng nh khng
c hoch nh.

25 26

S ph thuc bn ngoi M hnh 5 p lc ca Porter

Ph thuc h tng (in, in thoi,F)

Nh cung cp
Suppliers
Clients /
Khch hng
Your
Customers
Nh thu ph
Subcontractors Cng ty
Organization
Conduit
Cc t chc
truyn thng
Organizations
i din
Vendors
bn hng

H thng (my tnh, d liu, mng,F)

27 28

PEST HAZOP
Gip hiu bc tranh Chnh tr Kinh t S dng trong giai on u ca qu trnh
ton cc v mi trng thit k xc nh cc him ha tim nng
hat ng ca cng ty lin quan n thit k
Cch lm: Cch lm:
Phn r h thng, sn phm, k hoch thnh tng
ng no nhn ra
b phn
cc yu t trong bn X hi Cng ngh
bn cnh Kho st tng tc gia cc b phn
Tho lun, quyt nh Phn tch kt ni gia cc b phn mt cch h
cc yu t nh hng thng, xc nh yu t u vo, tnh cht ca n,
ng k n hot ng v kt qu sai lch tim nng
ca cng ty Ghi li cc nguyn nhn gy sai lch

29 30

Th.S Trn Quang Trung 5

Qun tr Ri ro

QUN TR RI RO Quy trnh chung ca

Bc 2. NH GI RI RO cc phng php nh gi ri ro
Ri ro: kh nng xy ra mc nghim trng.
Nhn dng cc him ha v tn tht tim
Chi ph n.
nng lin quan n sn phm hay quy
nh gi: o lng nh tnh nh lng. trnh
Ma trn nh gi ri ro: sp xp u tin. Nhn dng ri ro ca sn phm v xp
hng mc nghim trng
Nhn dng nguyn nhn v xp hng kh
nng xy ra

31

Thang o nh tnh cho kh nng xy ra

Quy trnh chung ca
cc phng php nh gi ri ro Kh nng xy ra? Quy trnh ca bn Mc
Him khi xy ra s trnh hay gim thiu ri ro ny mt 1;2
cch hiu qu da trn cc thc hnh tiu
Ma trn mc ri ro phn bit cc ri ro chun
c th chp nhn vi ri ro khng th chp Kh nng thp thng gim thiu ri ro ny vi s sut 3;4
nhn da trn nghim trng ca tn rt t trong nhng trng hp tng t
C th xy ra c th gim thiu ri ro ny, nhng c khi 5;6
tht v kh nng tn tht xy ra cn phi vn hnh theo nhiu hng
Xp hng ri ro trong tng th cho mi ri Kh nng cao khng th gim thiu ri ro ny, nhng 7-9
quy trnh khc th c th
ro tim nng c nhn ra
Gn nh chc khng th gim thiu ri ro ny, khng c 10
chn quy trnh no c sn

34

Thang o nh tnh cho mc nghim trng QUN TR RI RO

CC MC NH GI RI RO
Thc hin K hoch lm vic Chi ph Mc
Khng c hoc nh nh hng t, thay i Cha vt ch tiu chi 1;2 Mc nghim trng
hng t nh, b p bng d ph thp
phng c sn Thm khc Nhim v tht bi hon ton, t vong, hay mt mt h 5
thng.
Gim nh thc hin Cn cc hot ng b Chi ph c lng 3;4
k thut, quy trnh sung, c th kp cc vt ch tiu t 1-5% Nghim trng nh hng nhim v ch yu, tn thng nng, bnh 4
th yu
vn duy tr thi im quan trng tt ngh nghip, hay h hng h thng chnh.
Gim va phi thc L k hoch th yu, Chi ph c lng 5;6 Nhiu nh hng nhim v chnh, tn thng, bnh tt ngh 3
hin k thut, nhng s tr cc mc th yu vt ch tiu t 5-20% trung nghip nh, hay h hng h thng ph.
c th hi phc bnh t nh hng nhim v t quan trng, tn thng, bnh 2
Gim st ng k nh hng n ng Chi ph c lng 7-9 tt ngh nghip nh, hay h hng h thng ph.
thc hin k thut, gng ca chng trnh vt ch tiu t 20- ng Khng ng nh hng nhim v rt t, tn thng, bnh tt ngh 1
hi phc kh khn 50% k k nghip nh, hay h hng h thng ph.
Mc tiu k thut Khng th t cc ct Chi ph c lng 10
khng th t n mc quan trng vt ch tiu trn 50% cao
35 36

Th.S Trn Quang Trung 6

Qun tr Ri ro

QUN TR RI RO QUN TR RI RO
CC MC NH GI RI RO MA TRN NH GI RI RO
Kh nng xy ra 6
1 Kh nng xy ra
2
Thng D xy Thnh Him khi Kh xy
5
Thng xuyn Xy ra lin tc trong vng i ca thit b/cng vic 5
4 3 xuyn ra thang ra

C th xy ra Xy ra nhiu ln trong vng i ca thit b/cng 4 A B C D E

vic Thm khc I 5 5 4 3 3
Thnh thong i khi xy ra trong vng i ca thit b/cng vic 3
Nghim trng II 5 5 4 3 2

Him khi C hi xy ra rt t trong vng i ca thit b/cng 2 Nhiu III 5 4 3 2 2

vic
t IV 4 3 2 2 1
Rt kh xy ra C th xem nh khng xy ra trong vng i ca 1
thit b/cng vic Khng ng k V 4 3 2 2 1

37 38

Ma trn nh gi ri ro
Th t u tin gii quyt
Hnh ng
Hnh ng
Kh nng xy ra

Cao nu hiu qu
v chi ph ngay
1 1 3 3 2 1 5 4 19
2 3 1 2 1 3 4 2 16
3 1 3 4 1 3 2 1 15
4 3 3 1 3 3 3 1 17
5 2 2 2 3 2 1 2 14
Khng cn Yu cu 6 5 2 1 1 1 2 2 14
Thp hnh ng 7 2 1 3 3 5 2 5 21
hnh ng 8 1 3 1 3 1 1 5 15
9 4 3 5 1 4 1 3 21
t Thm khc 10
11
2
1
2
1
1
3
2
1
4
1
2
2
1
2
14
11
12 1 2 1 1 1 2 1 9
Mc nghim trng 13
14
1
1
1
5
3
1
2
5
1
5
1
2
2
3
11
22
Source: Dr. Geoff Benson, North Carolina State University
15 2 2 3 2 2 2 2 15
16 1 1 3 1 3 1 3 13
39 17 1 2 2 1 1 1 1 9

PHNG PHP
O LNG RI RO
KHAI TRIN TN THT
CC PHNG PHP NH LNG H s khai trin k nm =
Phng php khai trin tn tht Tng khiu ni / S khiu ni pht
Phng php khai trin tn tht da sinh sau k nm
trn i tng ri ro
S dng h s khai trin c
c lng chnh xc lng tng s khiu ni

Th.S Trn Quang Trung 7

Qun tr Ri ro

S DNG H S KHAI TRIN

H S KHAI TRIN C LNG TNG KHIU NI
So nam tnh He so khai trien = Tong khieu
t au ky nai / So khieu nai a phat sinh

1 3.33
2 1.57
3 1.19
4 1.08
5 1.05
6 1.04
7 1.03
8 1.02
9 1.01
10 1.00

KHAI TRIN TN THT C LNG

DA TRN I TNG RI RO CHNH XC
Ngh H s Nhu cu S n v
nghip quy i nm ti c lng Maximum probable cost MPC
Xy dng 1.00 233.4 233.4 Dung sai ri ro
V.phng 13.33 63.5 4.8
MPC = Tn tht trung bnh + t*
c cng 4.27 27.6 6.5
lch chun
Qun l 6.55 6.8 1.0
H tr 2.13 55.2 25.9
Tng 271.6

C LNG
CHNH XC

Dung sai
ri ro

MPC
48

Th.S Trn Quang Trung 8

Qun tr Ri ro

QUN TR RI RO QUN TR RI RO
Bc 3. PHN TCH CC CNG Bc 3. PHN TCH CC CNG
C KIM SOT RI RO C KIM SOT RI RO
Nghin cu cc cng c v chin lc c th
T b B p
ngn nga, gim thiu, hay loi b ri ro.
Cng c kim sot ri ro hiu qu s ngn nga, Trnh Ngn nga
gim thiu, hay loi b mt trong ba thnh phn Tr hon Gim thiu
ca ri ro (kh nng xy ra, mc nghim
trng, v i tng ri ro).
Dn tri Chuyn giao

49 50

QUN TR RI RO
Bc 3. PHN TCH CC CNG
Failure Mode Effect Analysis
C KIM SOT RI RO Dng tht bi Khng t nh

Cc la chn sau y gip nhn ra cc bin nh hng Nguyn nhn chnh

Hu qu
php kim sot tim nng:
Thit k Hun luyn & o to Gim thiu
nh gi ri ro
Bo v Cnh bo
Phn tch K hoch hnh ng
Hon thin thit k cng vic ng vin Kt qu
Gii hn him ha Gim thiu nh hng Hon thin lin tc
La chn nhn s Phc hi

51 52

Dng tht bi Nguyn nhn

Loi 1: khng thc hin tt chc nng Con ngi (Man)
nh My mc (Machine)
Loi 2: iu bn khng mun, khng gi Phng php (Method)
nh l c li xy ra Vt liu (Material)
Mi trng (Environment)

53 54

Th.S Trn Quang Trung 9

Qun tr Ri ro

nh hng Gim thiu

Sn phm
nh hng cc b
nh hng tc th nh hng trn
cc mc c xem xt hay trong
phm vi hn ch
nh hng cp cao hn
nh hng trn cc phn lin quan
hay dy chuyn k tip, hoc tt c
cc nh hng gia khu vc v
sn phm cui cng
nh hng tan cc
nh hng trn ton h thng hay
ngi s dng cui cng
Qu trnh
nh hng cc b
Bn s lm g trong tnh hung ?
nh hng tc th nh hng
trn qu trnh cc b
Phng th tuyn 1

Trnh hay loi b nguyn nhn tht bi
nh hng sut qu trnh Phng th tuyn 2
nh hng sut qu trnh khi
chng ta khng th sa cha tnh
Nhn dng hay pht hin tht bi sm hn
trng v dt im vn ngay lp
tc
Phng th tuyn 3
nh hng ton cc
Gim nh hng/hu qu ca tht bi
nh hng trn ton h thng hay
ngi s dng cui cng

55 56

Cc bc hoch nh cho tnh hung bt ng

QUN TR RI RO nh gi
Bc 4. QUYT NH KIM SOT T chc i Tin hnh Xp u tin & Pht trin cc Tnh
nh gi Ri ro nh gi Ri ro phm vi Ri ro hung
Bin php kim sot bao gm:
Cc quy trnh c vit thnh ti liu ngn Hoch nh
nga ri ro pht sinh, e.g. duy tu ngn nga,
cng c ngn nga ha hon, bo v, cc Trin khai =hn dng Kim nghim Din tp
quy trnh vn hnh. cc k hoch s c bc pht k hoch

H thng gim st bo m cc quy trnh

thc s vn hnh nh thit k. Thc hin Hi phc
Bo him ni c th bo him bao gm tn
tht v li nhun. S c bc pht
xy ra
Thc hin
k hoch
S c
chm dt
Khi ng
k hoch hi phc

57 58

QUN TR RI RO
Bc 4. QUYT NH KIM SOT
)

weiji (
Khng hong Sau khi la chn cc bin php kim sot
loi b cc him ha hay ngn nga
weiji = wei (nguy him) ri ro, xc nh mc ri ro cn li i
+ ji (c hi) vi cng vic, nhim v hay cc hat
ng.

59 60

Th.S Trn Quang Trung 10

Qun tr Ri ro

QUN TR RI RO QUN TR RI RO
Bc 4. QUYT NH KIM SOT Bc 4. QUYT NH KIM SOT
Chp nhn k hoch Quyt nh v ri ro cp thch hp:
Ai s gii trnh khi ri ro xy ra?
Bc b k hoch ngoi tm tay Ai l qun l cao nht ni ri ro xy ra?
iu chnh k hoch pht trin cc Ai hiu bit r nht v li ch v chi ph ca ri ro?
cng c kim sot ri ro
a quyt nh ln cp cao hn

61 62

Ti sn
QUN TR RI RO
Bc 4. QUYT NH KIM SOT Gi tr?

Quyt nh v ri ro cp thch hp: B e do?

Ai c ngun lc gim thiu thit hi?
Cp no lin h n vn hnh nhiu nht?
Cp no ra cc quyt nh loi ny trong cc hot ng khc? C th thit hi?
Ai s phi ra quyt nh ny trong qu trnh hot ng?
nh hng bt li n
kinh doanh?

Hiu qu v mt
chi ph?

63 64
Hnh ng

QUN TR RI RO QUN TR RI RO
Bc 5. THC HIN QUYT NH Bc 6. GIM ST V XEM LI
KIM SOT RI RO
Thc hin phi r rng Gim st
Xc nh trch nhim gii trnh Xem li
Cung cp h tr Phn hi

65 66

Th.S Trn Quang Trung 11

Qun tr Ri ro

QUN TR RI RO
Bc 6. GIM ST V XEM LI
Gim st Theo di hot ng m bo:
Kim sot ang c tin hnh hiu qu.
Nhn ra cc thay i c ri ro cn c qun l.
Hnh ng cn thc hin iu chnh cc kim
sot ri ro cha hiu qu v bt u li quy trnh
qun l ri ro khi c cc him ha mi.
QUN TR RI RO
Bc 6. GIM ST V XEM LI
Gim st Theo di hot ng m bo:
Khi c s thay i v nhn s, thit b, hay thc
hin nhim v, hoc cc hot ng mi c d
bo trong mi trng cha c bao gm trong
phn tch trc y, cc ri ro v cng c kim
sot nn c nh gi li.
Kim sot ri ro chuyn cn cn li ch-chi ph v
pha li ch gip nhim v c thc hin thnh
cng.

67 68

QUN TR RI RO
Bc 6. GIM ST V XEM LI
Xem li Sau khi ngun lc c phn b
kim sot ri ro, li ch chi ph phi c xem
xt.
Chi ph thc t c ph hp vi d kin?
Cc cng c kim sot nh hng g ln kt qu
thc hin?
H thng phn hi v nhim v c c thit lp
m bo cc hnh ng sa cha hay ngn nga
c thc hin hiu qu?
QUN TR RI RO
Bc 6. GIM ST V XEM LI
Xem li Sau khi ngun lc c phn b
kim sot ri ro, li ch chi ph phi
c xem xt.
C sn ti liu cho php xem li qu trnh quyt
nh v ri ro?
Cc o lng no c thc hin m bo
nh gi ng mc hiu qu ca cc cng c
kim sot trong vic loi b cc him ha hay
ngn nga cc ri ro?

69 70

BC 1 =H= D=G HIM HA

QUN TR RI RO Hot ng 1:
Phn tch nhim
v / cng vic
Hat ng 2:
Lit k
Him ha
Hot ng 3:
Lit k
Nguyn nhn

Bc 6. GIM ST V XEM LI Hot ng 1:

nh gi yu
BC 2 =H GI RI RO
Hot ng 2:
nh gi mc
Hot ng 3:
nh gi kh
Hot ng 4:
Hon tt
t mo him nghim trng nng tn tht nh gi

Phn hi Thng tin cc vn nh qu trnh BC 3 PH= TCH C=G C KIM SOT RI RO

Hot ng 2: Hot ng 3:

thc hin vn hnh nh th no, kim sot c

Hot ng 1:
Xc nh Xp th t
Nhn dng cc
Cc nh hng cc cng c
phng n kim sot
ca kim sot kim sot ri ro

hiu qu khng BC 4 QUYT N=H KIM SOT

Phn hi c th di dng cc tm tt tng kt, Hot ng 1:

La chn cng c kim sot
Hot ng 2:
Cc quyt nh v ri ro

bi hc rt ra, cc bo co gia cc b phn, BC 5 THC HI= KIM SOT

i chiu vi chun mc, cc bo co d liu, Hot ng 1: Hot ng 2: Hot ng 3:

tai nn, bnh tt...

Lm r vic Thit lp trch Cung cp h tr
thc hin nhim gii trnh

BC 6 GIM ST V XEM LI

Hot ng 1: Hot ng 2: Hot ng 3:

Gim st Xem li Phn hi

71 72

Th.S Trn Quang Trung 12

Qun tr Ri ro

QUN TR RI RO QUN TR RI RO
KHI NIM 5M KHI NIM 5M
Man
La chn
Kt qu thc hin cng vic
Cc yu t c nhn

73 74

QUN TR RI RO QUN TR RI RO
KHI NIM 5M KHI NIM 5M
Media
Machine
Kh hu, thi tit
Thit k
Mi trng hot ng
Bo tr
V sinh mi trng
Cung ng
Xe c/i b
D liu k thut

75 76

QUN TR RI RO QUN TR RI RO
KHI NIM 5M KHI NIM 5M
Management Mission
Thit lp tiu chun, quy trnh v kim sot
S mng thnh cng hay tht bi l ch
nh hng tng tc gia MAN, MEDIA,
MACHINE and MISSION bo nng lc ca h thng
Yu t kim sot quyt nh qu trnh thnh Cc nguyn nhn c bn ca tht bi
cng hay tht bi cng nm trong cc yu t Man, Media,
Machine v Management

77 78

Th.S Trn Quang Trung 13

Qun tr Ri ro

CC CHIN LC
TI TR SAU TN THT
TI TR HN HP
Cc ngun ti tr c sn sau tn tht
Bo him cc tn tht ln v gi li cc tn tht
Tin mt v u t ngn hn
nh thng xuyn
N
Bo him rt tn km nn cng ty cn cn i chi
Khon vay t trc ph v li ch ca bo him
Cc khon vay t xut
Cc hnh thc bo him bn phn:
Cc khon vay ngn v trung hn
Gim tr (Deductibles)
Vay di hn
ng bo him (Coinsurance)
Vn c phn Cc gii hn ca hp ng (Policy limits)

79 80

THIT K HP NG BO HIM Gim tr (Deductibles)

Gia tr tai san ban au: 260 tr
Ph bao hiem = Tien boi thng trung bnh *150% Bi thng theo hp ng gim tr $10,000
Bao hiem toan phan 20 tr Deductible
Tn tht Gim tr tng tn tht Gim tr theo tch ly
Xac suat Ton that Tien boi thng Tai san Tien boi thng Tai san 6,000 6,000 10,000 = 0 6,000
0.5 0 0 200 0 215 23,000 23,000 10,000 = 13,000 23,000
0.1 20 20 200 0 195 62,000 62,000 10,000 = 52,000 62,000
0.2 40 40 200 20 195 Tng bi thng 65,000 91,000 10,000 = 81,000
0.1 100 100 200 80 195
0.1 200 200 200 180 195 Trnh cc chi ph dn xp ln mt cch khng tng xng
GTTB 40 40 200 30 205 i vi cc tn tht nh
75% Coinsurance 100 tr Upper-limit
Cc tn tht nh thng pht sinh u n, c th gii quyt
Xac suat Ton that Tien boi thng Tai san Tien boi thng Tai san da trn k hoch ngn lu ca cng ty
0.5
0.1 20
0 0
15
215
210 20
0 215
215
Gi li cc tn tht nh, thng xuyn khng lm cho cng
0.2 40 30 205 40 215 ty b ri ro ng k
0.1 100 75 190 100 215
Khc phc tnh trng mo him do thiu trch nhim
0.1 200 150 165 100 115
GTTB 40 30 205 30 205

Cc gii hn ca hp ng (Policy limits) Cc gii hn ca hp ng (Policy limits)

Ba ngi b tn thng trong mt tai nn do s bt cn ca Gii hn tch ly trn tt c cc chi tr bn cnh gii
ngi c mua bo him hn cho mi ln xy ra tn tht
Thit hi ca h l $30,000, $40,000, v $14,000 Cc gii hn khng hp dn cc cng ty v:
Hp ng bo him c gii hn l $50,000 cho mi ln xy ra Tn tht gi li l v hn v khng th iu chnh bng k
hoch ngn lu
tai nn, v bi thng cho mi c nhn khng qu $20,000
Tn tht khng c bo him nm phn ui ca phn
c bo him Khng c bo him Tng thit hi phi, kh c lng v cc tn tht ny t xy ra
Nn nhn A 20,000 10,000 30,000 Thng do bn bo him t ra ch khng phi do
Nn nhn B 20,000 20,000 40,000 cng ty mua bo him
Nn nhn C 14,000 _ 14,000
Tng 54,000 30,000 84,000
Vi gii hn 50,000

Th.S Trn Quang Trung 14

Qun tr Ri ro

Mc tiu:
=gy chuyn b: _________________
Bc 1.
=hn dng him ha
Bc 2.
nh gi him ha
Bc 3.
Quyt nh v ri ro
Bc 4.
Thc hin kim sot
Bc 5.
Gim st
Bn qun l ri ro
Khu vn hnh Him ha =guyn nhn RAC Pht trin RAC Cch thc hin Cch gim st
ban u kim sot cn li
1. MC TIU/CNG VIC: 2. NGY/GI BT U: 3. NGY CHUN B:

4. CHUN B BI:
5. HIM HA 6. MC RI RO 7. KIM SOT 10. CCH THC HIN 11. AI THC HIN 12. TNH TRNG (Y/N)
Buc 1 Buc 2 Buc 3 Bc 4 Bc 5 Bc 6

8. MC RI RO CHUNG SAU KHI KIM SOT C THC HIN 9. CP QUYT NH V RI RO

1=Thm khc 2=Nghim trng 3=Nhiu 4=t 5=Khng ng k

Risk Assessment Code: RAC Chp nhn RR: Yes =o Bi hc rt ra:

1=Thm khc 2=Nghim trng 3=Nhiu 4=t 5=Khng ng k
Chuyn cp trn: Yes =o

85 86

Th.S Trn Quang Trung 15