{"id":28127,"date":"2023-12-07T04:56:30","date_gmt":"2023-12-07T04:56:30","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chi-phi-rui-ro-la-gi-thanh-phan-chi-phi-rui-ro.html"},"modified":"2023-12-22T21:34:48","modified_gmt":"2023-12-22T14:34:48","slug":"chi-phi-rui-ro-la-gi-thanh-phan-chi-phi-rui-ro","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chi-phi-rui-ro-la-gi-thanh-phan-chi-phi-rui-ro.html","title":{"rendered":"Chi ph\u00ed r\u1ee7i ro l\u00e0 g\u00ec? Th\u00e0nh ph\u1ea7n chi ph\u00ed r\u1ee7i ro"},"content":{"rendered":"<div class=\"vnbcbc-body vceditor-content wi-active\" data-role=\"content\">\n<figure class=\"VCSortableInPreviewMode\" type=\"Photo\" style=\"\">\n<div><\/div><figcaption class=\"PhotoCMS_Caption\">\n<p data-placeholder=\"[Nh\u1eadp ch\u00fa th\u00edch \u1ea3nh]\" class=\"\">H\u00ecnh minh h\u1ecda (Ngu\u1ed3n: assuranceagency)<\/p>\n<\/figcaption><\/figure>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Chi ph\u00ed r\u1ee7i ro<\/font><\/h2>\n<p><b>Kh\u00e1i ni\u1ec7m<\/b><\/p>\n<p><b>Chi ph\u00ed r\u1ee7i ro<\/b> trong ti\u1ebfng Anh t\u1ea1m d\u1ecbch l\u00e0: <b>Cost of risk.<\/b><\/p>\n<p><b>Chi ph\u00ed r\u1ee7i ro<\/b> l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c \u01b0\u1edbc l\u01b0\u1ee3ng m\u1ecdi h\u1eadu qu\u1ea3 v\u00e0 chi ph\u00ed li\u00ean quan \u0111\u1ebfn m\u1ed9t r\u1ee7i ro \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eadn di\u1ec7n.\u00a0<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Th\u00e0nh ph\u1ea7n<\/font><\/h3>\n<p>Chi ph\u00ed r\u1ee7i ro g\u1ed3m chi ph\u00ed tr\u1ef1c ti\u1ebfp v\u00e0 chi ph\u00ed gi\u00e1n ti\u1ebfp. T\u00f9y thu\u1ed9c v\u00e0o t\u1eebng lo\u1ea1i h\u00ecnh ho\u1ea1t \u0111\u1ed9ng m\u00e0 chi ph\u00ed n\u00e0y c\u00f3 th\u1ec3 qui ra \u0111\u01b0\u1ee3c th\u00e0nh chi ph\u00ed t\u00e0i ch\u00ednh ch\u00ednh x\u00e1c ho\u1eb7c l\u00e0 c\u00e1c ch\u00ed ph\u00ed \u01b0\u1edbc l\u01b0\u1ee3ng m\u1ed9t c\u00e1ch \u0111\u1ecbnh t\u00ednh.\u00a0<\/p>\n<p><b>&#8211; Chi ph\u00ed tr\u1ef1c ti\u1ebfp<\/b> l\u00e0 h\u1eadu qu\u1ea3 tr\u1ef1c ti\u1ebfp c\u1ee7a m\u1ed1i nguy g\u00e2y ra cho ng\u01b0\u1eddi hay v\u1eadt. Ch\u1eb3ng h\u1ea1n khi l\u1eeda thi\u00eau r\u1ee5i m\u00e1i nh\u00e0 c\u1ee7a m\u1ed9t c\u1eeda h\u00e0ng b\u00e1n l\u1ebb, t\u1ed5n th\u1ea5t tr\u1ef1c ti\u1ebfp l\u00e0 chi ph\u00ed s\u1eeda ch\u1eefa hay thay ph\u1ea7n m\u00e1i nh\u00e0 b\u1ecb h\u1ecfng.\u00a0<\/p>\n<p><b>&#8211; Chi ph\u00ed gi\u00e1n ti\u1ebfp<\/b> li\u00ean h\u1ec7 \u0111\u1ebfn s\u1ef1 h\u01b0 h\u1ecfng tr\u1ef1c ti\u1ebfp g\u00e2y ra do m\u1ed1i nguy, nh\u01b0ng c\u00e1c h\u1eadu qu\u1ea3 v\u1ec1 t\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 h\u1eadu qu\u1ea3 tr\u1ef1c ti\u1ebfp t\u1eeb t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u1ed1i nguy t\u1edbi ng\u01b0\u1eddi hay v\u1eadt. Ch\u1eb3ng h\u1ea1n th\u1ea5t thu c\u1ee7a ch\u1ee7 c\u1eeda h\u00e0ng do ph\u1ea3i \u0111\u00f3ng c\u1eeda \u0111\u1ec3 s\u1eeda ch\u1eefa l\u00e0 t\u1ed5n th\u1ea5t gi\u00e1n ti\u1ebfp.\u00a0<\/p>\n<p>C\u00e1c chi ph\u00ed gi\u00e1n ti\u1ebfp th\u01b0\u1eddng kh\u00f3 th\u1ea5y, m\u1eb7c d\u00f9 h\u1eadu qu\u1ea3 c\u1ee7a n\u00f3 c\u00f3 th\u1ec3 l\u1edbn h\u01a1n c\u00e1c chi ph\u00ed tr\u1ef1c ti\u1ebfp nhi\u1ec1u.\u00a0<\/p>\n<p><b><i>\u0110\u1ed1i v\u1edbi tai n\u1ea1n lao \u0111\u1ed9ng, c\u00f3 th\u1ec3 xem x\u00e9t c\u00e1c chi ph\u00ed sau:\u00a0<\/i><\/b><\/p>\n<p>&#8211; Chi ph\u00ed tr\u1ef1c ti\u1ebfp: chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi g\u1eb7p n\u1ea1n\u00a0<\/p>\n<p>&#8211; Chi ph\u00ed gi\u00e1n ti\u1ebfp (chi ph\u00ed \u1ea9n):\u00a0<\/p>\n<p>+ Chi ph\u00ed th\u1eddi gian lao \u0111\u1ed9ng b\u1ecb m\u1ea5t c\u1ee7a ng\u01b0\u1eddi b\u1ecb n\u1ea1n;<\/p>\n<p>+ Chi ph\u00ed th\u1eddi gian b\u1ecb m\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng nh\u00e2n kh\u00e1c do ph\u1ea3i ng\u1eebng vi\u1ec7c \u0111\u1ec3 gi\u00fap ng\u01b0\u1eddi b\u1ecb n\u1ea1n;<\/p>\n<p>+ Chi ph\u00ed th\u1eddi gian b\u1ecb m\u1ea5t c\u1ee7a c\u00e1c qu\u1ea3n \u0111\u1ed1c v\u00e0 c\u00e1c vi\u00ean ch\u1ee9c kh\u00e1c \u0111\u1ec3 chu\u1ea9n b\u1ecb b\u00e1o c\u00e1o v\u00e0 \u0111\u00e0o t\u1ea1o ng\u01b0\u1eddi thay th\u1ebf;<\/p>\n<p>+ Chi ph\u00ed do nguy\u00ean li\u1ec7u, m\u00e1y m\u00f3c, d\u1ee5ng c\u1ee5 v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c b\u1ecb h\u1ecfng;<\/p>\n<p>+ Chi ph\u00ed c\u1ee7a ng\u01b0\u1eddi ch\u1ee7 do ph\u1ea3i ti\u1ebfp t\u1ee5c tr\u1ea3 l\u01b0\u01a1ng \u0111\u1ea7y \u0111\u1ee7 cho ng\u01b0\u1eddi b\u1ecb n\u1ea1n khi h\u1ecd tr\u1edf l\u1ea1i l\u00e0m vi\u1ec7c, trong khi n\u0103ng su\u1ea5t c\u1ee7a h\u1ecd do ch\u01b0a h\u1ed3i ph\u1ee5c c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n so v\u1edbi tr\u01b0\u1edbc kia.<\/p>\n<p><b><i>Gi\u1ea3i th\u00edch thu\u1eadt ng\u1eef li\u00ean quan<\/i><\/b><\/p>\n<p>Theo tr\u01b0\u1eddng ph\u00e1i truy\u1ec1n th\u1ed1ng, r\u1ee7i ro l\u00e0 \u0111i\u1ec1u kh\u00f4ng l\u00e0nh, kh\u00f4ng t\u1ed1t, b\u1ea5t ng\u1edd x\u1ea3y \u0111\u1ebfn. Trong l\u0129nh v\u1ef1c kinh doanh r\u1ee7i ro l\u00e0 nh\u1eefng b\u1ea5t tr\u1eafc ngo\u00e0i \u00fd mu\u1ed1n x\u1ea3y ra trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t, kinh doanh c\u1ee7a doanh nghi\u1ec7p, t\u00e1c \u0111\u1ed9ng x\u1ea5u \u0111\u1ebfn s\u1ef1 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p.\u00a0<\/p>\n<p>Nh\u01b0 v\u1eady r\u1ee7i ro l\u00e0 \u201cnh\u1eefng thi\u1ec7t h\u1ea1i, m\u1ea5t m\u00e1t, nguy hi\u1ec3m ho\u1eb7c c\u00e1c y\u1ebfu t\u1ed1 li\u00ean quan \u0111\u1ebfn nguy hi\u1ec3m, kh\u00f3 kh\u0103n ho\u1eb7c \u0111i\u1ec1u kh\u00f4ng ch\u1eafc ch\u1eafn c\u00f3 th\u1ec3 x\u1ea3y ra cho con ng\u01b0\u1eddi\u201d<\/p>\n<p><i>(T\u00e0i li\u1ec7u tham kh\u1ea3o: Qu\u1ea3n l\u00ed r\u1ee7i ro theo ISO 31000, NXB H\u1ed3ng \u0110\u1ee9c)<\/i><\/p>\n<p><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            Chi ph\u00ed r\u1ee7i ro l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c \u01b0\u1edbc l\u01b0\u1ee3ng m\u1ecdi h\u1eadu qu\u1ea3 v\u00e0 chi ph\u00ed li\u00ean quan \u0111\u1ebfn m\u1ed9t r\u1ee7i ro \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eadn di\u1ec7n.\n                        <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[416],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/28127"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=28127"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/28127\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=28127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=28127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=28127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}