{"id":29119,"date":"2023-12-07T05:37:29","date_gmt":"2023-12-07T05:37:29","guid":{"rendered":"https:\/\/masterskills.org\/blog\/quan-tri-rui-ro-tai-san-asset-risk-management-la-gi-tam-quan-trong-cua-quan-tri-rui-ro-tai-san.html"},"modified":"2023-12-23T06:08:24","modified_gmt":"2023-12-22T23:08:24","slug":"quan-tri-rui-ro-tai-san-asset-risk-management-la-gi-tam-quan-trong-cua-quan-tri-rui-ro-tai-san","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/quan-tri-rui-ro-tai-san-asset-risk-management-la-gi-tam-quan-trong-cua-quan-tri-rui-ro-tai-san.html","title":{"rendered":"Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n (Asset risk management) l\u00e0 g\u00ec? T\u1ea7m quan tr\u1ecdng c\u1ee7a qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n"},"content":{"rendered":"
\n
\n
<\/div>\n
\n

H\u00ecnh minh h\u1ecda<\/p>\n<\/div>\n<\/div>\n

Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n (Asset risk management)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/p>\n

Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n<\/b>\u00a0trong ti\u1ebfng Anh l\u00e0 Asset risk management. Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n l\u00e0 ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n tr\u1ecb r\u1ee7i ro li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

N\u1ed9i dung qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n<\/font><\/h3>\n

– Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i ho\u1eb7c ch\u1ecbu t\u1ed5n th\u1ea5t v\u1ec1 v\u1eadt ch\u1ea5t, t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh hay t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh v\u00e0 c\u00e1c k\u1ebft qu\u1ea3 n\u00e0y x\u1ea3y ra do ph\u1ea3i ch\u1ecbu y\u1ebfu t\u1ed1 m\u1ea1o hi\u1ec3m hay r\u1ee7i ro\u2026<\/p>\n

– T\u00e0i s\u1ea3n c\u00f3 th\u1ec3 b\u1ecb h\u01b0 h\u1ecfng hay t\u00e0n ph\u00e1, gi\u1ea3m gi\u00e1 hay m\u1ea5t m\u00e1t theo nhi\u1ec1u c\u00e1ch kh\u00e1c nhau. C\u1ee5 th\u1ec3 t\u00e0i s\u1ea3n \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0:<\/p>\n

+\u00a0 B\u1ea5t \u0111\u1ed9ng s\u1ea3n g\u1ed3m c\u00e1c c\u00f4ng tr\u00ecnh ki\u1ebfn tr\u00fac, kho, c\u1eeda h\u00e0ng\u2026\u00a0<\/p>\n

+ \u0110\u1ed9ng s\u1ea3n bao g\u1ed3m m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb, h\u00e0ng h\u00f3a, nguy\u00ean v\u1eadt li\u1ec7u\u2026<\/p>\n

T\u1ea7m quan tr\u1ecdng c\u1ee7a qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n<\/font><\/h3>\n

– Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n<\/b> gi\u00fap n\u00e2ng cao hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n, t\u1eeb \u0111\u00f3 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng h\u1ee3p l\u00ed<\/span>, hi\u1ec7u qu\u1ea3 nh\u1ea5t.<\/p>\n

–<\/span> L\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 doanh nghi\u1ec7p c\u00f3 k\u1ebf ho\u1ea1ch s\u1eeda ch\u1eefa, thay \u0111\u1ed5i t\u00e0i s\u1ea3n, \u0111\u1ea3m b\u1ea3o cho t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng m\u1ed9t c\u00e1ch li\u00ean t\u1ee5c trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

–<\/span> L\u00e0 c\u01a1 s\u1edf t\u00ednh to\u00e1n kh\u1ea5u hao gi\u00e1 th\u00e0nh, x\u00e1c \u0111\u1ecbnh chi ph\u00ed.<\/p>\n

Qu\u00e1 tr\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n<\/font><\/h3>\n

(1)\u00a0Nh\u1eadn d\u1ea1ng r\u1ee7i ro t\u00e0i s\u1ea3n<\/b><\/p>\n

Nh\u1eadn d\u1ea1ng r\u1ee7i ro t\u00e0i s\u1ea3n bao g\u1ed3m hai n\u1ed9i dung. \u0110\u00f3 l\u00e0 nh\u1eadn d\u1ea1ng ngu\u1ed3n r\u1ee7i ro t\u00e0i s\u1ea3n (nguy\u00ean nh\u00e2n g\u00e2y ra r\u1ee7i ro \u0111\u1ebfn t\u1eeb \u0111\u00e2u) v\u00e0 nh\u1eadn d\u1ea1ng nguy c\u01a1 r\u1ee7i ro t\u00e0i s\u1ea3n (nguy c\u01a1 r\u1ee7i ro tr\u1ef1c ti\u1ebfp, gi\u00e1n ti\u1ebfp hay c\u00f3 y\u1ebfu t\u1ed1 th\u1eddi gian).<\/p>\n

(2)\u00a0Ph\u00e2n t\u00edch v\u00e0 \u0111o l\u01b0\u1eddng r\u1ee7i ro t\u00e0i s\u1ea3n<\/b><\/p>\n

(3) \u0110\u00e1nh gi\u00e1 c\u00e1c t\u1ed5n th\u1ea5t<\/b><\/p>\n

– \u0110\u00e1nh gi\u00e1, ghi nh\u1eadn t\u1ed5n th\u1ea5t g\u00e2y ra l\u00e0 do gi\u1ea3m doanh thu hay t\u0103ng chi ph\u00ed.<\/p>\n

* Gi\u1ea3m doanh thu<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t thu nh\u1eadp cho thu\u00ea t\u00e0i s\u1ea3n;\u00a0<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t do gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng kinh doanh bao g\u1ed3m:\u00a0<\/p>\n

\u2022 L\u1ee3i nhu\u1eadn r\u00f2ng n\u1ebfu ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng gi\u00e1n \u0111o\u1ea1n (chi ph\u00ed c\u01a1 h\u1ed9i)<\/p>\n

\u2022 C\u00e1c chi ph\u00ed c\u1ed1 \u0111\u1ecbnh v\u1eabn ph\u1ea3i ti\u1ebfp t\u1ee5c tr\u1ea3<\/p>\n

\u2022 Chi ph\u00ed trong th\u1eddi gian h\u1ed3i ph\u1ee5c l\u1ea1i m\u1ee9c ho\u1ea1t \u0111\u1ed9ng tr\u01b0\u1edbc \u0111\u00e2y<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t do c\u00e1c gi\u00e1n \u0111o\u1ea1n b\u1ea5t ng\u1edd t\u00f9y thu\u1ed9c<\/p>\n

\u2022 M\u1ee9c \u0111\u1ed9 ph\u1ee5 thu\u1ed9c v\u00e0 kh\u00e2u cung c\u1ea5p v\u00e0 ti\u00eau th\u1ee5<\/p>\n

\u2022 Kh\u1ea3 n\u0103ng gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c kh\u00e2u cung c\u1ea5p v\u00e0 ti\u00eau th\u1ee5<\/p>\n

\u2022 Th\u1eddi gian h\u1ed3i ph\u1ee5c<\/p>\n

* T\u0103ng chi ph\u00ed:<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t do ch\u1ecbu c\u00e1c chi ph\u00ed cao h\u01a1n khi ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c l\u00e0 c\u1ea7n thi\u1ebft<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t do h\u1ee7y h\u1ee3p \u0111\u1ed3ng thu\u00ea<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t t\u1eeb c\u00e1c trang thi\u1ebft b\u1ecb kh\u00f4ng th\u00e1o d\u1ee1 \u0111\u01b0\u1ee3c c\u1ee7a b\u00ean thu\u00ea t\u00e0i s\u1ea3n<\/p>\n

+<\/span> T\u1ed5n th\u1ea5t t\u1eeb c\u00e1c trang thi\u1ebft b\u1ecb kh\u00f4ng th\u00e1o d\u1ee1 \u0111\u01b0\u1ee3c c\u1ee7a b\u00ean thu\u00ea t\u00e0i s\u1ea3n<\/p>\n

(4)\u00a0Ki\u1ec3m so\u00e1t r\u1ee7i ro t\u00e0i s\u1ea3n<\/b><\/p>\n

– Ki\u1ec3m so\u00e1t r\u1ee7i ro t\u00e0i s\u1ea3n l\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eb1m ph\u00f2ng ch\u1ed1ng, h\u1ea1n ch\u1ebf r\u1ee7i ro, h\u1ea1n ch\u1ebf t\u1ed5n th\u1ea5t x\u1ea3y ra v\u1edbi t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n

– M\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t r\u1ee7i ro t\u00e0i s\u1ea3n:<\/p>\n

+ C\u00f3 k\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n<\/p>\n

+ X\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch mua t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng<\/p>\n

+ Ki\u1ec3m tra, b\u1ea3o d\u01b0\u1ee1ng, b\u1ea3o tr\u00ec t\u00e0i s\u1ea3n \u0111\u1ecbnh\u00a0k\u00ec<\/p>\n

+ \u0110\u00e1nh gi\u00e1 kh\u1ea5u hao t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh chi ti\u1ebft<\/p>\n

+ H\u1ec7 th\u1ed1ng qu\u1ea3n\u00a0l\u00ed, ki\u1ec3m so\u00e1t nh\u1eefng nh\u00e2n l\u1ef1c tr\u1ef1c ti\u1ebfp c\u00f3 tr\u00e1ch nhi\u1ec7m v\u1edbi t\u00e0i s\u1ea3n<\/p>\n

+ Th\u1ef1c hi\u1ec7n qui<\/span> ch\u1ebf an to\u00e0n lao \u0111\u1ed9ng<\/p>\n

(5)\u00a0T\u00e0i tr\u1ee3 r\u1ee7i ro t\u00e0i s\u1ea3n
<\/b><\/p>\n

C\u00f3 th\u1ec3 t\u00e0i tr\u1ee3 r\u1ee7i ro t\u00e0i s\u1ea3n th\u00f4ng c\u00e1c bi\u1ec7n ph\u00e1p nh\u01b0:<\/p>\n

– L\u1eadp c\u00e1c qu\u0129<\/span> \u0111\u1ec3 b\u00f9 \u0111\u1eafp t\u00e0i s\u1ea3n b\u1ecb hao m\u00f2n, h\u01b0 h\u1ecfng: Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng khi t\u1ed5n th\u1ea5t kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng b\u00f9 \u0111\u1eafp t\u00e0i ch\u00ednh c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

– Mua b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb: \u0110\u1ed1i v\u1edbi nh\u1eefng t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb, \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a doanh nghi\u1ec7p th\u00ec c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o hi\u1ec3m lu\u00f4n l\u00e0 gi\u1ea3i ph\u00e1p th\u00edch h\u1ee3p nh\u1ea5t.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n, T\u1ed5 h\u1ee3p gi\u00e1o d\u1ee5c Topica; Gi\u00e1o tr\u00ecnh Ph\u00e2n t\u00edch \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, NXB \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n (ti\u1ebfng Anh: Asset risk management) l\u00e0 ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n tr\u1ecb r\u1ee7i ro li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p. Qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i s\u1ea3n gi\u00fap n\u00e2ng cao hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n, t\u1eeb \u0111\u00f3 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng h\u1ee3p l\u00ed, hi\u1ec7u qu\u1ea3 nh\u1ea5t.\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\/29119"}],"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=29119"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/29119\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=29119"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=29119"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=29119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}