"Risk management in the business companies"

Svrha ovoga rada je ukazati na važnost upravljanja rizicima u poduzeću. Upravljanje rizicima je vrlo složen proces kojim upravljaju menadžeri u cilju minimiziranja troškova društva uzimajući u obzir da su uz aktivnost upravljanja rizicima vezani visoki troškovi. Upravljanje rizicima važan je dio moderne poslovne strategije i poslovne kulture, što je vidljivo iz činjenice da se uprave poduzeća diljem svijeta rangirale upravljanje rizicima kao jedan od svojih najvažnijih poslovnih ciljeva. Rizik je sastavni dio ljudskog društva i on potiče fizičke i pravne osobe na zaštitu osobnog života i imovine kroz efikasni sustav zaštite od potencijalnih opasnosti, putem životnog i neživotnog osiguranja. Pružanjem ekonomske zaštite putem osiguranja rizici se ne mogu spriječiti, ali se mogu otkloniti ili ublažiti posljedice brojnih štetnih događaja. Ovaj rad prikazuje značaj i ulogu rizika s posebnim naglaskom na upravljanje rizicima kao sastavni dio financijskog planiranja i strategije rada pojedinog društva. Pojedinačnom analizom i procjenom rizika nastoji se odabrati najpovoljnija metoda pokrića rizika. Za uspješno i sigurno poslovanje društva vrlo je važno racionalno upravljanje rizicima u poduzećima.The purpose of this work is to emphasize the importance of risk management in business company. The Risk Management is complicated process issued by business managers due to minimise costs in companies. Managers are also taking care of high costs side by process of risk management. This process is crucial part of modern business strategy and business culture as well. The fact is that the companies around the world has ranked the risk management as a one of the most important working goals. The risk is regular part of human societies and it effect on people and companies to improve their insurance as a protection for various danger situations. Giving the possibility to insure property or business, the risk cannot be stopped, but certainly will be minimise to a level of acception. The purpose of this report is to describe the significanance value of risk management and the importance of analysis of risk management as a part of making a finance plan and the work strategy as well. By identifying subjective qualification of risk and by analysing objective qualification of risk it is tried to determine the best method of risk management inside every company. And the last but not the least, the rational risk management in business is safe and successful way to grow a business