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企业年金管理中如何有效的规避和控制风险已经成为一个非常突出的问题。而风险管理作为研究风险发生规律和风险控制技术的一门新兴学科,经过半个世纪的发展,已经有了较成熟的理论和经验。因此,在企业年金的管理流程中导入现代风险管理技术显得十分必要。一、企业年金的风险识别企业年金在运行过程中面临的风险种类有很多,受管理成本的限制,风险管理不可能是面面俱到,而应当是在企业年金运作流程中选择关键性的风险因素进行有针对性的风险管理。企业年金面临的比较重要的风险主要是信用风险和投资风险。
How to effectively evade and control risks in the management of enterprise annuity has become a very prominent issue. As a new subject that studies the law of risk occurrence and risk control, risk management has had more mature theories and experiences after half a century of development. Therefore, it is necessary to import modern risk management technology into the management process of enterprise annuity. First, the identification of corporate annuity risk Enterprise Annuity in the operation of the types of risks faced by many, subject to the cost of management, risk management can not be exhaustive, but should be in the process of enterprise annuity to choose the key risk factors are Targeted risk management. The more important risks facing the enterprise annuity are the credit risk and the investment risk.