Роль та значення страхування в системі управління ризиками фінансово-господарської діяльності підприємства
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Файли
Дата
2017
Автори
Матвійчук, Л.О.
Matviichuk, L.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
У статті розглянуто основні види ризиків, які здійснюють вплив на фінансово-господарську діяльність
підприємства, визначено роль та значення страхування як основного інструменту мінімізації ризиків
At the present stage of development of the domestic economy, there was a need to create an effective system of protection as the financial interests of the state, individual citizens and business entities. As the development of society increases and risks, then, accordingly, there is a growing need for the protection and use of risk mitigation tools. The system of risks affecting the financial and business activities of enterprises, it is advisable to consider the two levels. To the first level should include risks that are formed at the macro level, and the time of their occurrence does not depend on the enterprise. Such a group should include the following risks: political, legal, natural-climatic, environmental general economic. To the second level it is expedient to include the risks that are formed at the micro level and depend on the activity of the enterprise. We will include such financial and economic risks. The most effective way of protecting enterprises, institutions, organizations from financial losses in case of adverse events is insurance. Insurance contributes to the optimization of resources aimed at the organization of economic security. It makes it possible to achieve a rational structure of funds directed at preventing the consequences of an element or other factors that impede the activities of one or another person.
At the present stage of development of the domestic economy, there was a need to create an effective system of protection as the financial interests of the state, individual citizens and business entities. As the development of society increases and risks, then, accordingly, there is a growing need for the protection and use of risk mitigation tools. The system of risks affecting the financial and business activities of enterprises, it is advisable to consider the two levels. To the first level should include risks that are formed at the macro level, and the time of their occurrence does not depend on the enterprise. Such a group should include the following risks: political, legal, natural-climatic, environmental general economic. To the second level it is expedient to include the risks that are formed at the micro level and depend on the activity of the enterprise. We will include such financial and economic risks. The most effective way of protecting enterprises, institutions, organizations from financial losses in case of adverse events is insurance. Insurance contributes to the optimization of resources aimed at the organization of economic security. It makes it possible to achieve a rational structure of funds directed at preventing the consequences of an element or other factors that impede the activities of one or another person.
Опис
Ключові слова
страхування, підприємство, ризик, управління, фінансового-господарська діяльність, insurance, enterprise, risk, management, financial and economic activity
Бібліографічний опис
Матвійчук, Л.О. Роль та значення страхування в системі управління ризиками фінансово-господарської діяльності підприємства [Текст] / Л. О. Матвійчук // Вісник Хмельницького національного університету. Економічні науки. – 2017. – № 5. – С. 233-236.