This document is a seminar paper about the mineral wealth of Africa. It discusses Africa's rich natural resources. Some of the key minerals found in Africa include gold, diamonds, platinum, uranium, and oil. Countries with significant mineral deposits include South Africa, Democratic Republic of Congo, Botswana, Zimbabwe, and Nigeria. Africa has large reserves of minerals that are important for economic development and modern technology if properly managed.
This document is a seminar paper about the mineral wealth of Africa. It discusses Africa's rich natural resources. Some of the key minerals found in Africa include gold, diamonds, platinum, uranium, and oil. Countries with significant mineral deposits include South Africa, Democratic Republic of Congo, Botswana, Zimbabwe, and Nigeria. Africa has large reserves of minerals that are important for economic development and modern technology if properly managed.
This document describes several websites that provide free seminar papers, diploma papers, and materials to help with matura exams. The websites contain works from all fields as well as PowerPoint presentations and other educational materials. Users can find seminar papers, diploma papers, matura papers, and supporting literature on the sites. The sites allow viewing of the content and first three pages of each paper so users can select materials that fully meet their needs. Papers from the databases can be downloaded and customized to create unique works. Users can also order custom papers if none are found matching their requirements.
This document is a seminar paper written by Ermin Spahić at the University of Zenica Faculty of Law Department of History of State and Law. The paper was written in November 2009 under the mentorship of Doc. Dr. Dževad Drino on the topic of slavery. The document also contains advertisements for free seminar papers, diploma works, and other educational materials available on various websites related to student papers and projects.
This document advertises free seminar papers, diploma papers, and matriculation texts as well as PowerPoint presentations and other educational materials on various topics. It lists several websites that contain these materials and notes that the sites allow users to view the content of papers and their first three pages to select materials that fully meet their needs. The document encourages finding existing papers in the database to create a unique work and also offers custom paper writing if users cannot find a suitable existing paper.
This document is an advertisement for websites that provide free seminar papers, diploma works, and matriculation papers written on various topics in Serbian. It lists several website URLs where students can find and download educational materials like completed papers and PowerPoint presentations. The websites contain seminar, diploma and matriculation papers from all fields that students can use to help create their own unique work. If a suitable pre-written paper is not found in the database, students can also order a custom text on the websites.
This document describes several websites that provide free seminar papers, diploma papers, and materials to help with matura exams. The websites contain works from all fields as well as PowerPoint presentations and other educational materials. Users can find seminar papers, diploma papers, matura papers, and supporting literature on the sites. The sites allow viewing of the content and first three pages of each paper so users can select materials that fully meet their needs. Papers from the databases can be downloaded and customized to create unique works. Users can also order custom papers if none are found matching their requirements.
This document is a seminar paper written by Ermin Spahić at the University of Zenica Faculty of Law Department of History of State and Law. The paper was written in November 2009 under the mentorship of Doc. Dr. Dževad Drino on the topic of slavery. The document also contains advertisements for free seminar papers, diploma works, and other educational materials available on various websites related to student papers and projects.
This document advertises free seminar papers, diploma papers, and matriculation texts as well as PowerPoint presentations and other educational materials on various topics. It lists several websites that contain these materials and notes that the sites allow users to view the content of papers and their first three pages to select materials that fully meet their needs. The document encourages finding existing papers in the database to create a unique work and also offers custom paper writing if users cannot find a suitable existing paper.
This document is an advertisement for websites that provide free seminar papers, diploma works, and matriculation papers written on various topics in Serbian. It lists several website URLs where students can find and download educational materials like completed papers and PowerPoint presentations. The websites contain seminar, diploma and matriculation papers from all fields that students can use to help create their own unique work. If a suitable pre-written paper is not found in the database, students can also order a custom text on the websites.
Robna dokumentacija u vezi sa snabdijevanjem prodavnice robom ekonomija
Rizik i upravljanje rizikom u osiguranju
1. Sadržaj
1 UVOD............................................................................................................................................1
2 UPRAVLJANJE RIZIKOM..........................................................................................................1
2.1 CILJEVI UPRAVLJANJA RIZIKOM.......................................................................................1
2.2 ORGANIZOVANJE I PROCES UPRAVLJANJA RIZIKOM...................................................2
2.3 IDENTIFIKACIJA RIZIKA I PROCENJIVANJE UČESTALOSTI I VREDNOSTI
NASTALIH ŠTETA........................................................................................................................3
3 METODI UPRAVLJANJA RIZIKOM..........................................................................................3
4 OSIGURANJE KAO PRISTUP UPRAVLJANJA RIZIKOM......................................................7
5 RIZICI SA KOJIMA SE SUOČAVAJU OSIGURAVAJUĆA DRUŠTVA..................................8
6 IMPLEMENTACIJA UPRAVLJANJA UKUPNIM RIZIKOM OSIGURAVAJUĆIH
DRUŠTAVA...................................................................................................................................9
7 IZBOR I IMPLEMENTACIJA PRI IZBORU ADEKVATNOG METODA ZA UPRAVLJANJE
RIZIKOM
...........................................................................................................................................................
10
8 ZAKLJUČAK
...........................................................................................................................................................
11
LITERATURA
...........................................................................................................................................................
12
1
2. 1 UVOD
Za svaki rizik možemo reći da je vrsta neodvojive ekonomske aktivnosti, naročito u
uslovima globalizacije i stvaranja novih tržišta. Preduzeća moraju biti spremna da zaobiđu
te udare i potrese ili eventualno iskoriste dobre strane svih promena koje slede. Upravljanje
rizikom postaje neophodan segment celokupnog upravljanja preduzećem i treba mu
posvetiti pažnju, jer neuspeh i propusti u ovoj oblasti često ozbiljno ugrožavaju opstanak
preduzeća. U slučaju ostvarivanja rizika menadžeri vreme posvećuju sanaciji nastalih
gubitaka umesto novim, profitabilnim projektima. Neočekivani gubici negativno utiču i na
kreditni rejting, kao i na ugled menadžera i firme u javnosti.
Pojedinci i privredni subjekti u cilju smanjenja izloženosti rizicima, sa rizikom mogu
postupati na različite načine: izbegavanjem, kontrolom, zadržavanjem ili prenosom.
Osiguranje se pojavljuje kao najvažniji oblik zaštite od rizika pojedinaca i privrednih
subjekata a ostvaruje transferom rizika na osiguravajuća društva. U samoj suštini
osiguranja je udruživanje svih onih koji su izloženi istoj vrsti opasnosti, prenos rizika i
naknada za nastalu štetu koja je u momentu zaključenja osiguranja bila neočekivana.
Osiguranje, međutim, ne može sprečiti nastanak štetnih događaja. Ono samo može, tj.
pomoću njega se moze ostvariti posredna ekonomska zaštita koja upravo i predstavja razlog
postojanja osiguranja.
2 UPRAVLJANJE RIZIKOM
Upravljanje rizikom ili menadžment rizika možemo definisati na nekoliko načina. Jedni ga
definišu kao "sistematski proces upravljanja izloženosti poslovne organizacije riziku da
ostvari svoje ciljeve na način koji je konzistentan sa javnim interesom, bezbednošću ljudi,
faktorima prirodnog okruženja i zakonom”1
. Ova definicija ukazuje ne samo na upravljanje
rizikom u vezi sa profitom kompanije, već sagledava mnogo širi, socijalni kontekst i njene
posledice. Isti autor daje i narednu definiciju: "sistematski proces identifikacije i evaluacije
čistih rizika kojima je izloženo preduzeće ili individua kao i selekciju i implementaciju
adekvatne metode za upravljanje rizikom".
Iz datih definicija možemo zaključiti da su osnovne funkcije upravljanja rizikom:
sistematsko i kontinuirano istraživanje izloženosti riziku gubitka, zatim vrednovanja
prirode, frekvencije, jačine i potencijalnog uticaja gubitka na organizaciji, kao i planiranje i
organizacija kontrole rizika i tehnike finansiranja rizika da bi se efikasno minimizirao uticaj
gubitka na organizaciju.
2.1 CILJEVI UPRAVLJANJA RIZIKOM
1
[] Redja E. George (1995), Principles of risk management and insurance, Harper Collins College
Publishers, 16.
2
3. Besplatni Seminarski, Diplomski, Maturski Tekstovi i
Pomoćna Literatura.
RADOVI IZ SVIH OBLASTI, POWERPOINT PREZENTACIJE I DRUGI
EDUKATIVNI MATERIJALI.
www.diplomski-radovi.com
www.seminarskirad.org
www.magistarski.com
www.maturskiradovi.net
www.maturski.net
www.seminarskirad.info
www.maturski.org
www.essaysx.com
NA NAŠIM SAJTOVIMA MOŽETE PRONAĆI SVE, BILO DA JE TO SEMINARSKI, DIPLOMSKI
ILI MATURSKI TEKST, POWERPOINT PREZENTACIJA I DRUGI EDUKATIVNI MATERIJAL.
ZA RAZLIKU OD OSTALIH MI VAM PRUŽAMO DA POGLEDATE SVAKI RAD, NJEGOV SADRŽAJ I
PRVE TRI STRANE TAKO DA MOŽETE TAČNO DA ODABERETE ONO ŠTO VAM U POTPUNOSTI
ODGOVARA. U BAZI SE NALAZE SEMINARSKI, DIPLOMSKI I MATURSKI TEKSTOVI
KOJE MOŽETE SKINUTI I UZ NJIHOVU POMOĆ NAPRAVITI JEDINSTVEN I UNIKATAN RAD. AKO U
3
4. BAZI NE NAĐETE RAD KOJI VAM JE POTREBAN, U SVAKOM MOMENTU MOŽETE NARUČITI
TEKST NA LINKU POMOĆ PRI IZRADI TEKSTOVA I POMOĆNE LITERATURE.
4