查询词典 risk

Risk management can be divided into five parts, these five parts are respectively: The risk of turning uncertainty into essential task that the risk is stated discerns the course, the risk changing into being arranged in the order of PRI tabulates the risk analysis course of the necessary task to state the risk, will tabulate and change the definition risk of the task needed in order to tackle the plan in risk to plan the course according to the risk that PRI will be arranged , monitor the risk state and give notice to start the risk and tackle the risk that take action and follow the course, with carry out the action plan of the risk, the risk in order to drop the risk to the task that the acceptable degree needs to finish deals with the course.

风险管理可被划分为五个部分，这五个部分分别是：将不确定性转化为风险陈述的必要任务的风险识别过程，将风险陈述转变为按优先级顺序排列的风险列表所需的任务的风险分析过程，将按优先级排列的风险列表转变为风险应对计划所需要的任务的定义风险计划过程，监视风险状态以及发出通知启动风险应对行动的风险跟踪过程，和执行风险行动计划，以求将风险降至可接受程度所需完成的任务的风险应对过程。

Education2002/09-2003/12 Maastricht University, NetherlandsMaster of Social Security1989/09-1993/07 Renmin University of ChinaBachelorProfessional certificationFRMThe China Securities Association, a practicing certificateCurrent treatment minimum wage: RMB 530,004 / year = 44,167 / month × year fixed-DecemberExperience2007/07- present Union Life Beijing Company Compliance Risk Management Department / General Manager of Corporate Risk Management Committee Member and the Investment Management Committee members of BeijingReporting Objects: Company CROWork: Economic Capital Management asset-liability management comprehensive risk management Compliance Management Investment Risk Management Investment Performance Evaluation Management Legal Services Corporate Risk Management Committee Member, and the investment management committee members, participation in pension and asset management companies to build.2003/11-2007/06 Taikang Life Beijing Company Risk Management / Manager BeijingReporting object: department headWork: measuring market risk economic capital and credit risk economic capital integration of the entire company's economic capital, including the insurance risk and operational risk economic capital, economic capital internal controls and operational risk management a variety of risk analysis and asset liability management study capital management and capital allocation Risk Management and Performance Evaluation liability company-wide asset-liability management in the enterprise annuity on training and preparation for data preparation, as well as the preparation of Tyco pension.

教育背景2002/09-2003/12 荷兰马斯特里赫特大学社会保障硕士1989/09-1993/07 中国人民大学经济学学士专业证照FRM 中国证券协会执业证书目前待遇基本工资：人民币 530，004/年＝ 44，167 /月×全年固定12月工作经历2007/07-至今合众人寿北京总公司风险合规管理部/总经理公司风险管理委员会会员以及投资管理委员会会员北京汇报对象：公司CRO工作内容：经济资本管理资产负债管理全面风险管理合规管理投资风险管理投资绩效评估管理公司法律事务公司风险管理委员会会员以及投资管理委员会会员，参与养老金公司和资产管理公司筹建。2003/11-2007/06 泰康人寿北京总公司风险管理部/经理北京汇报对象：部门负责人工作内容：计量市场风险经济资本和信用风险经济资本整合整个公司旳经济资本，包括保险风险经济资本和业务风险经济资本内部控制和操作风险的管理各种风险的分析以及资产负债管理研究资本管理和资本配置风险管理和绩效评估负债整个公司资产负债管理参与企业年金的关于培训和筹备资料准备以及泰康养老金筹建。

The first part is the sum of expected losses of market risk, credit risk and operating risk. The risk of losses in the part should be prevented by reserve for bad debts accrued by commercial banks. The second part is the sum of contingent losses of market risk, credit risk and operating risk at certain confidence level, and the risk of losses in the part should be prevented by capital at risk. The third part is the sum of losses of market risk, credit risk and operating risk that beyond certain confidence level, and the risk of losses in the part should be prevented by deposit insurance system.

第一部分是市场风险、信用风险和操作风险的期望损失之和，该部分损失的风险用商业银行自身提取的损失准备金来防范；第二部分是市场风险、信用风险和操作风险在一定置信水平下的意外损失之和，该部分损失的风险用商业银行自身的风险资本来防范；第三部分是市场风险、信用风险和操作风险超出一定置信水平外的损失之和，该部分损失的风险用存款保险制度来防范。

Then the author reviews the content of risk analysis of regional natural disasters and the mathematical models of risk assessment. The risk analysis is classified into three steps, risk recognition , risk estimation, and risk assessment and the mathematical models into three types, extreme risk model, probability risk model and possibility risk model. Nextly, the possibility risk model for analyzing regional disaster risk are reviewed thoroughly.

综述了区域灾害风险分析的内容及区域灾害风险估算的数学模型，指出风险分析可归结为风险辨识、风险估算、风险评价三个环节，风险估算数学模型的演进可概括为极值风险模型、概率风险模型、可能性风险模型三个阶段，着重介绍区域自然灾害风险分析的可能性风险模型。

The aims of disaster study and risk study are tent to unanimousness, both will offer the theoretical basis for sustainable development models. Regional safety construction based on disaster study is converting into regional risk management system based on risk study. So the authors consider that sustainable development model is the regional development model under a certain risk level, and the risk level relies on the regional safety construction level that integrates the regional economic level and social cultural system. Strengthening subject construction of disaster and risk study in China, national laboratory construction, and organization and practice of key items are imperative. And we should put the study emphasis on the vulnerability assessment system and models, risk assessment system and models, disaster and risk management mode of typical region, disaster and risk emergency control scenario, disaster and risk regions.

灾害与风险研究的目标正在趋向一致，都集中在为可持续发展模式提供科学依据；基于灾害研究的区域安全建设正在向基于风险研究的区域风险管理体系转变，由此认为可持续发展模式就是接受一定风险水平条件下的区域发展模式，一定风险水平依赖于由区域经济水平与社会文化体系相关联的区域安全建设水平；加强我国灾害与风险科学研究的学科建设、国家实验室建设、重大项目的组织与实施已势在必行；重点开展灾害脆弱性评价体系与评价模型、风险评价体系与风险评价模型、典型区域灾害与风险管理范式、灾害与风险应急控制预案、灾害与风险区划等方面的研究。

Firstly, this paper investigates the risk management theories and chooses the risk management process suitable for China; secondly, summarizes the types of risks during construction stage, establishs the proper methods for risk identification, with these methods identifies the risks of the Wu-xing Bridge and forms the risk list; thirdly, through the reseach of modern decision-making theoris, researches the risk attitude of the managers by design a risk analysis questionnaire; then, with the expert-experiential based assessment method, makes dynamic risk assessment in every single construction stage; finally, according to the risk assessment results, designs a succinct risk management handbook which supports the risk management during bridge construction pithily.

首先，在研究国内外先进的风险管理理论的基础上，确定了适合我国桥梁施工阶段风险管理的基本流程；其次，对桥梁施工阶段风险事态类型进行了总结，确定了适合我国桥梁施工阶段风险事态识别的方法，并对五星桥进行了详细的风险事态识别，形成了完备的风险事态列表。再次，通过对现代决策理论的研究，制定了研究决策人风险态度的调查问卷，对决策人的风险态度进行了研究；然后，采用基于专家经验的风险估计方法对风险事态进行了评估，并针对施工阶段进行了动态的等级评估；最后，根据评估的风险等级设计了简洁适用的风险管理手册，为桥梁施工现场的风险管理提供了有力支持。

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

This paper first in introduction in have analysed commercial bank financial risk the necessariness of avoiding , then the meaning for commercial bank financial risk have made simple expound , and have discussed commercial bank financial risk the importance that avoided , then, have enumerated the 4 expression types of commercial bank financial risk, the 3th in paper is partial to have analysed the external reason and internal reason that produces financial risk , avoids idea and establishment finally since cultivating commercial bank financial risk to improve suitable accounting management system , found financial risk the supervisor guarantee that avoided systematic, perfect risk disclosure and report system and raising the 5 aspects such as the quality of bank people have discussed commercial bank financial risk emphatically avoid strategy.

本文首先在绪论中分析了商业银行财务风险规避的必要性，接着对商业银行财务风险的含义作了简单的阐明，并论述了商业银行财务风险规避的重要性，然后列举了商业银行财务风险的四个表现类型，在论文的第三部份分析了产生财务风险的外部原因与内部原因，最后从培育商业银行财务风险规避观念、建立健全适宜的会计管理体制、构建财务风险规避的监督保障系统、完善风险披露和报告制度及提高银行人员的素质等五个方面着重论述了商业银行财务风险的规避策略。

This article analyzes the derivativescharacter of unbind and divert risk, points out derivatives can manage mixed risk of credit risk and market risk effectively as a new risk management instrument prior to the conditional ones, and explores the techniques of hedge which are used to manage credit risk, interest ratio risk, exchange rate risk to decrease risk and upgrade efficiency.

然后从金融衍生产品能够将混合在一起的风险进行分散并转移的特性着手，先对金融衍生品的避险功能进行分析，明确其对混合在一起的信用风险和市场风险进行有效的防范，是一种优于传统的风险管理方式的风险管理手段。

Finally puts forth the concrete measures about how to prevent the risk, namely avoidances the risk through giving up risk program and activity of business, and releasing risk unit and person, transfers the risk through insurance, guarantee, business agency and exonerating responsibility with contracts, quasi-prevents risk damage through perfecting information system, strengthening management on institution, strengthening encouragement, alleviating staffs pressure and strengthening enterprise"s cultural construction, inhibits risk damage through taking prevention measures before and after the risk events, so can prevent the risk greatly, and helps realizing enterprise"s general goal.

最后提出了企业人力资源管理风险防范的具体对策，即通过放弃风险项目和活动及免除风险单位和个体等对策回避风险，通过保险、担保、业务外包和开脱责任合同等对策转移风险，通过完善信息系统、加强制度管理、加强激励、缓解员工压力和加强企业文化建设等对策预防风险损失，通过采取风险事前对策和事后对策抑制风险损失，从而最大限度发挥风险防范的作用，为企业实现总体目标保驾护航。

Objective To study the effect of chitosan in the prevention of fibrous scar formation in the epidural space after laminectomy.

目的 观察选择性脊神经后根切除术椎板切除后硬膜外几种防瘢痕粘连物质的作用并探讨其机制。

On his way to the lift, he looked back to us or was it me his eyes pointing?

当他要进电梯时，他回头看我们（或者说是我，他的眼光？