商业风险管理,即是以复杂多样的商业风险为研究对象, 要求风险主体树立风险意识, 制定风险对策,以最少的管理费用去获取满意的风险收益和使风险损失减轻到最低的限度。其实质就是要提高风险主体的竞争能力、应变力与自我发展能力, 使其在激 烈竞争和不断变化的市场经营环境中求得生存发展。
以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。
This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.
在主要的商业问题和要冒多大的风险上,董事会必须有相应的行业专家来给他们管理提供建议。
Board directors must have relevant industry expertise to advise management on major business issues and how much risk to take.
它还创造了保险交易,允许小公司折扣购买保险(因为这些商业组织承担风险大,管理成本高)。
It also creates insurance exchanges that allow small companies to buy insurance at a discount (because the clubs pool risks and administrative costs).
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