Importance of strategic risk management in corportae success
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IMportance of Strategic risk management in Corporate success September 2017 issue
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1. Risk monitoring plays a pivotal role in the risk management process by assessing if previous risk management actions reduced residual risks or if changes require revised actions.
2. It provides early warning signals of risks changing or emerging risks by monitoring key risk indicators and outcomes.
3. Emerging risks identified through monitoring may impact strategies, so monitoring helps re-align strategies to changing internal and external environments over the long-term.
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1. Risk monitoring plays a pivotal role in the risk management process by assessing if previous risk management actions reduced residual risks or if changes require revised actions.
2. It provides early warning signals of risks changing or emerging risks by monitoring key risk indicators and outcomes.
3. Emerging risks identified through monitoring may impact strategies, so monitoring helps re-align strategies to changing internal and external environments over the long-term.
Importance of Enterprise Risk Management in Life Insurance Sector
This article was published in "Pravartak" magazine published from National Insurance Academy (NIA) Pune in 2016 February.
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at
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This is a good presentation linking insurance with economy
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This presentation was given in International Management Institute (IMI), New Delhi on 19th May 2017. This was given to the One year Executive management students.
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This article is published in Actuary India Magazine in the June 2017 issue.
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The regulator in India is moving towards adopting a risk-based capital framework, though it has not been implemented yet. Currently, capital requirements are based on a solvency I approach and do not directly account for risk. However, the regulator has taken several steps in recent years similar to risk-based systems by requiring greater financial disclosures, stress testing, and governance guidelines. A committee recommended adopting a "twin peaks" model, where current solvency norms would work alongside new risk-based capital requirements, as India prepares to fully transition to a risk-based capital framework.
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- Globally, risk management is increasingly important with the adoption of solvency regulations like Solvency II in Europe and risk-based capital standards. India currently follows a formula-based Solvency I approach but is showing increased interest in risk management.
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1) The global financial crisis highlighted failures in risk management and corporate governance at many major financial institutions. Risk management departments lacked prestige compared to trading operations and did not enforce prudent risk practices.
2) Boards of directors did not adequately oversee risk and failed to establish qualified risk management committees. Many directors lacked banking experience.
3) High-risk activities and compensation were not properly aligned with long-term company interests. Bonuses encouraged excessive short-term risk-taking.
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1. Coronary heart disease is more prevalent in India than cancer, unlike in the UK where cancer is more common. Heart disease rates in India are expected to increase significantly in the coming decades.
2. Both males and females in India have higher rates of coronary heart disease compared to counterparts in the UK, especially at younger ages.
3. Stroke rates are much lower in India compared to the UK.
4. Cancer rates in India are higher for both males and females up to age 60, after which UK rates become higher.
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1. The document discusses challenges in calculating the duration of liabilities for regular premium paying life insurance products due to changing signs of liability cash flows over the life of the product.
2. It proposes using the first derivative of assets and liability cash flows rather than duration as a better method for asset and liability management to match their interest rate sensitivity.
3. Adjusting the timing and amounts of asset cash flows can help optimize matching between the first derivatives of assets and liabilities to better manage interest rate risk.
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The document discusses the influence of the insurance sector on the Indian economy and vice versa. It notes that the life insurance market in India is expected to grow significantly over the next 10 years. While insurance penetration and density have increased, they remain lower than other developed countries, indicating significant potential for future growth. The relationship between economic factors like GDP growth, disposable income, and the insurance sector is explored. Challenges and opportunities for future growth of the insurance sector in India are also highlighted.
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This document discusses risk management in the life insurance industry. It provides an overview of enterprise risk management (ERM), how risk management has evolved globally and in India, and the future of risk management. Key points include:
- ERM takes a holistic approach to risk management across the entire company rather than operating in silos. It helps optimize business performance through risk-based decision making.
- Globally, risk management is increasingly important with the adoption of solvency regulations like Solvency II in Europe and risk-based capital standards. India currently follows a formula-based Solvency I approach but is showing increased interest in risk management.
- The future of risk management in India involves greater
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Assets and liability management (ALM) is necessary for life insurance companies to manage financial risks and ensure financial health. ALM involves matching the term, nature, and currency of assets to the liabilities to manage risks like interest rate risk. In India, most products transitioned from unit-linked to traditional products with maturity guarantees after 2010, increasing ALM risk. Simple ALM measures include duration matching, cash flow matching, and strategic asset allocation within regulatory limits and risk appetite. An example shows potential losses from reinvesting at lower future interest rates.
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1) The global financial crisis highlighted failures in risk management and corporate governance at many major financial institutions. Risk management departments lacked prestige compared to trading operations and did not enforce prudent risk practices.
2) Boards of directors did not adequately oversee risk and failed to establish qualified risk management committees. Many directors lacked banking experience.
3) High-risk activities and compensation were not properly aligned with long-term company interests. Bonuses encouraged excessive short-term risk-taking.
4) Risk managers lacked understanding of complex products and risks. Early warnings of liquidity issues were ignored without implementing contingency plans. Over-reliance on credit ratings also contributed to problems.
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The Eighth Global Conference of Actuaries was held in Mumbai, India and organized by the Actuarial Society of India. Over two days, the conference covered topics in life, health, general and non-life insurance. It featured keynote addresses, panel discussions, and presentations on issues facing the actuarial profession such as asset-liability management, investment guarantees, and the emerging market for outsourcing actuarial services to India. The conference highlighted the growth of the actuarial profession in India since the liberalization of the insurance industry and the energy of students pursuing new opportunities in the field.
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This document summarizes a paper that analyzes critical illness rates in India for cardiovascular diseases, strokes, and cancer. Some key findings include:
1. Coronary heart disease is more prevalent in India than cancer, unlike in the UK where cancer is more common. Heart disease rates in India are expected to increase significantly in the coming decades.
2. Both males and females in India have higher rates of coronary heart disease compared to counterparts in the UK, especially at younger ages.
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This document summarizes a paper on motor premium rating in India. It discusses the current tariff regime for motor insurance that is leading to losses for many companies. With the likely deregulation of motor insurance tariffs, companies will need to use actuarial fundamentals to scientifically price policies. It emphasizes the importance of collecting comprehensive driver, vehicle, and policy data to analyze risk groups and determine appropriate premiums. The document provides an overview of how to calculate an adequate overall premium and determine differential ratings based on risk factors.
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This document discusses the socio-economic challenges facing developed countries as the baby boom generation retires between 2007-2011. This will shrink the workforce and increase the proportion of older people requiring pensions and healthcare. Outsourcing work to India is proposed as a solution to supplement the shrinking workforce in countries like Germany, France, Italy and the UK. India has a large and growing workforce that could help address labor shortages in Europe through remote work outsourcing without increasing migration pressures. The document analyzes population trends and projections in European and Indian populations to 2050 to argue that India will have a large surplus workforce available to support developed country needs.
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1. The document discusses challenges in calculating the duration of liabilities for regular premium paying life insurance products due to changing signs of liability cash flows over the life of the product.
2. It proposes using the first derivative of assets and liability cash flows rather than duration as a better method for asset and liability management to match their interest rate sensitivity.
3. Adjusting the timing and amounts of asset cash flows can help optimize matching between the first derivatives of assets and liabilities to better manage interest rate risk.
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Actuaries have traditionally been involved in risk identification and measurement in insurance, particularly for mortality, lapse, expense, and interest rate risk. However, the role of actuaries is expanding to enterprise risk management (ERM) in insurance and other financial sectors like banking. Actuaries' quantitative skills make them well-suited for ERM tasks like calculating economic capital, value at risk, and stress testing across various risk types. The Solvency II regulations also provide opportunities for actuaries to be involved in all three pillars of the solvency framework. For actuaries to take on broader ERM roles, they need to enhance their skills in areas like credit, liquidity, and operational risk management.
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The document discusses the role of actuaries in enterprise risk management (ERM). It outlines how ERM has evolved in response to major risk failures over the past two decades. Actuaries traditionally focused on areas like pricing, valuation, and modeling, but now have an expanded role under Solvency II and a broader ERM approach. The document provides examples of how actuaries can assess and manage risks in both the insurance and banking industries using common tools and their quantitative skills. It suggests actuaries will need additional training to work in risk management for banks but their skills are well-suited to help various industries with ERM.
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
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How will new technology fields affect economic trade?
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
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Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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【业务选择办理准则】
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二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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