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Management effects on risk management and world economic crisis
Uticaj menadžmenta na upravljanje rizicima i svetska ekonomska kriza
aUniversity of Business Academy in Novi Sad, Faculty of economics and engineering management, Serbia bTrayal-korporacija, Beograd
email: slobodandjurovic286@gmail.com
Abstract
The purpose of this paper is to indicate the importance of management's influence on risk planning in business operations. The paper focuses on: the influence of management on planning and risk management, the usage of certain techniques and methods, international risk management institutions, types of risks and safety risk. Besides, when it comes to risk management, if a manager decides to utilize a modern, more rigorous scientific approach to risk analysis, he/she has to go far beyond simple guessing and to plan the value of each entry, as well as the aggregate value which he/she believes is possible in that business operation. Inadequate risk planning and forecast has caused the global economic crisis, and some analysts even associate its beginning with the real estate trade in the USA, since banks started approving high-risk loans to people who were not able to pay them off. The global economic crisis started years ago, and culminated in the second half of 2008, when an unstoppable fall in prices of securities on the world's stock exchanges occurred.
Sažetak
Cilj ovog rada je da ukaže na značaj uticaja menadžmenta na planiranje rizika u toku svog poslovanja, iz svojih poslovnih aktivnosti a u funkciji relativizacije i zaštite koji nastaje u bankarskom poslovanju. U radu se ukazuje na: uticaj menadžmenta na planiranje i upravljanje rizicima, primena određenih tehnika i metoda, međunarodne institucije za upravljanje rizikom, oblici rizika i rizik bezbednosti. Pored toga, u merenju rizika, ako menadžer odluči da primeni savremen, mnogo strožiji naučni pristup analize rizika, mora da ide mnogo dalje od prostog pogađanja i mora da planira vrednosti svake stavke, kao i ukupne vrednosti za koje misli da su moguće u tom poslu. Loše planiranje i predviđanje rizika izazvalo je svetsku ekonomsku krizu, a pojedini ekonomski analitičari povezuju njen početak sa velikom trgovinom nekretnina u SAD, jer su banke odobravale visokorizične kredite osobama koje kasnije nisu bile u mogućnosti da otplaćuju svoje obaveze. Svetska ekonomska kriza traje već godinama, a kulminirala je u drugoj polovini 2008. godine, kada je došlo do nezadrživog pada cena hartije od vrednosti na svetskim berzama.
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