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- è³æ¬ã®ä¿è·ïŒ äž»ãªç®æšã¯ãååŒè³æ¬ãä¿è·ããããšã§ããæé«ã®æŠç¥ã§ãã飿ã«ééããããšããããŸãã广çãªãªã¹ã¯ç®¡çã¯ãããããæéãä¹ãåãããšãä¿èšŒããŸãã
- ææ ã®ã³ã³ãããŒã«ïŒ ææã𿬲æã¯å€æãæãããããšããããŸããäºåã«å®çŸ©ããããªã¹ã¯ç®¡çèšç»ã¯ãææ ãé«ã¶ã£ãŠãããšãã§ãããåççãªæææ±ºå®ãäžãã®ã«åœ¹ç«ã¡ãŸãã
- äžè²«ããåçæ§ïŒ æå€±ãéå®ããããšã§ãé·æçã«äžè²«ããå©çãéæããå¯èœæ§ãé«ãŸããŸããå°ãã管çãããæå€±ã¯ã壿» çãªæå€±ãããã¯ããã«åªããŠããŸãã
- æŠç¥ã®æé©åïŒ ãªã¹ã¯ç®¡çã®ããã©ãŒãã³ã¹ãåæããããšã§ãååŒæŠç¥ãæŽç·Žããããã®å šäœçãªæå¹æ§ãåäžãããããšãã§ããŸãã
- åžå Žã§ã®é·å¯¿åœïŒ ãã¬ãŒãã£ã³ã°ã¯çè·é¢èµ°ã§ã¯ãªãããã©ãœã³ã§ããé©åãªãªã¹ã¯ç®¡çã«ãããèªèº«ã®ã¹ãã«ãšçµéšããå©çãåŸãã®ã«ååãªæéãåžå Žã«çãŸãããšãã§ããŸãã
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A comprehensive risk management plan typically includes the following components:1. ãªã¹ã¯è©äŸ¡
æåã®ã¹ãããã¯ãçŽé¢ããæ§ã ãªãªã¹ã¯ãç¹å®ããè©äŸ¡ããããšã§ãããããã¯å€§ãŸãã«æ¬¡ã®ããã«åé¡ã§ããŸãïŒ
- åžå Žãªã¹ã¯ïŒ äžå©ãªäŸ¡æ Œå€åã«ããæå€±ã®ãªã¹ã¯ã§ããããã¯ãã¬ãŒãã£ã³ã°ã§æãäžè¬çãªãªã¹ã¯ã§ããããã©ãã£ãªãã£ãªã¹ã¯ãæµåæ§ãªã¹ã¯ãçžé¢ãªã¹ã¯ãå«ã¿ãŸãã äŸãã°ãäºæãã¬çµæžããŒã¿ã®çºè¡šã¯ãåžå Žã®å€§ããªãã©ãã£ãªãã£ãåŒãèµ·ãããæ§ã ãªè³ç£ã¯ã©ã¹ã«åæã«åœ±é¿ãäžããå¯èœæ§ããããŸãã
- æµåæ§ãªã¹ã¯ïŒ åžå Žã®åã¿ãäžååãªããã«ãæãäŸ¡æ Œã§ããžã·ã§ã³ã決æžã§ããªããªã¹ã¯ã§ããããã¯ãç¹å®ã®äžå°åæ ªããšããŸããã¯é貚ãã¢ãªã©ãæµåæ§ã®äœãåžå Žã§ããé¡èã§ãã ååŒéã®å°ãªãæ ªåŒã§å€§ããªããžã·ã§ã³ã売ãããšãããšãäºæ³ãããå€§å¹ ã«äœãäŸ¡æ Œãåãå ¥ããªããã°ãªããªããããããŸããã
- ä¿¡çšãªã¹ã¯ïŒ ååŒçžæã矩åãå±¥è¡ããªããªã¹ã¯ã§ããããã¯ããªããã£ãååŒãã¬ãã¬ããžã䜿çšããå Žåã«ç¹ã«é¢é£ããŸãã ãããŒã«ãŒã䜿çšããå Žåããã®è²¡åã®å®å®æ§ã«äŸåããããšã«ãªããŸãã
- ãªãã¬ãŒã·ã§ãã«ãªã¹ã¯ïŒ ãšã©ãŒãã·ã¹ãã é害ããŸãã¯è©æ¬ºã«ããæå€±ã®ãªã¹ã¯ã§ããããã«ã¯ã誀ã£ã泚æã®å ¥åãããµã€ããŒæ»æã®è¢«å®³ã«éãããšãŸã§ããã¹ãŠãå«ãŸããŸããå ç¢ã§è©å€ã®è¯ãååŒãã©ãããã©ãŒã ã䜿çšããããšã§ããã®ãªã¹ã¯ã軜æžã§ããŸãã
- èŠå¶ãªã¹ã¯ïŒ ååŒæŽ»åã«æªåœ±é¿ãåãŒãå¯èœæ§ã®ããèŠå¶ã®å€æŽã®ãªã¹ã¯ã§ããäŸãã°ã蚌æ éèŠä»¶ãååŒå¶éã®å€æŽãªã©ãæããããŸãã ååŒãè¡ã£ãŠããæ³åã®èŠå¶ç¶æ³ãåžžã«ææ°ã®ç¶æ ã«ä¿ã€ããšãéèŠã§ãã
- é貚ãªã¹ã¯ïŒ å€è²šå»ºãŠã®è³ç£ãååŒããéã«ãçºæ¿ã¬ãŒãã®å€åã«äŒŽããªã¹ã¯ã§ããããã¯ãè€æ°ã®é貚ã§ããžã·ã§ã³ãä¿æããã°ããŒãã«ãã¬ãŒããŒã«ç¹ã«é¢é£ããŸããé貚ãšã¯ã¹ããŒãžã£ãŒããããžããããšã§ããã®ãªã¹ã¯ã軜æžã§ããŸãã
ãªã¹ã¯ãç¹å®ãããããã®æœåšçãªåœ±é¿ãšå¯èœæ§ãè©äŸ¡ããå¿ èŠããããŸããããã¯ãå®éçææ³ïŒäŸïŒéå»ããŒã¿ã®çµ±èšåæïŒãšå®æ§çææ³ïŒäŸïŒå°éå®¶ã®æèŠïŒã䜿çšããŠè¡ãããšãã§ããŸãã äŸãã°ãéå»ã®ã°ããŒãã«ãªåºæ¥äºã«åºã¥ããŠããã©ãã¯ã¹ã¯ã³ã€ãã³ãããã®æœåšçãªæå€±ãè©äŸ¡ããŸãã
2. ããžã·ã§ã³ãµã€ãžã³ã°
ããžã·ã§ã³ãµã€ãžã³ã°ã¯ããããããªã¹ã¯ç®¡çã®æãéèŠãªåŽé¢ã§ããããã¯åååŒã«å²ãåœãŠãè³æ¬ã®é¡ã決å®ããæœåšçãªæå€±ã«çŽæ¥åœ±é¿ããŸãã ç®æšã¯ãäžé£ã®è² ããã¬ãŒãã§ãè³æ¬ãå€§å¹ ã«æžå°ããªãããã«ããžã·ã§ã³ãµã€ãºã調æŽããããšã§ãã
äžè¬çãªçµéšåã¯ã1åã®ååŒã§ç·ååŒè³æ¬ã®1ã2ïŒ ä»¥äžããªã¹ã¯ã«ããããªãããšã§ããããã¯ã10,000ãã«ã®å£åº§ãæã£ãŠããå Žåã1åã®ååŒã«ã€ã100ã200ãã«ãããªã¹ã¯ã«ãããã¹ãã§ã¯ãªãããšãæå³ããŸãã
䜿çšã§ããããžã·ã§ã³ãµã€ãžã³ã°ã¢ãã«ã«ã¯ã以äžã®ãããªãã®ããããŸãïŒ
- åºå®å²åæ³ïŒ åååŒã§è³æ¬ã®åºå®å²åããªã¹ã¯ã«ããããŸããããã¯ã·ã³ãã«ã§åºã䜿çšãããŠããæ¹æ³ã§ãã äŸãã°ãåååŒã§å£åº§ã®1%ããªã¹ã¯ã«ããããŸãã
- åºå®æ¯çæ³ïŒ å£åº§æ®é«ãäžå®é¡å¢å ããããšã«ãããžã·ã§ã³ãµã€ãºãäžå®é¡å¢ãããŸãã ãã®æ¹æ³ã¯ããç©æ¥µçã§ãæ éãªç®¡çãå¿ èŠã§ãã
- ã±ãªãŒåºæºïŒ åååŒã«è³ããè³æ¬ã®å²åãæé©åããããšã§ãé·æçãªæé·ãæå€§åããããšãç®çãšãããããé«åºŠãªæ¹æ³ã§ãã 確çã®æ éãªèšç®ãšçè§£ãå¿ èŠã§ãã ç°¡ç¥åãããããŒãžã§ã³ã¯æ³šæããŠäœ¿çšã§ããŸãã
- ãã©ãã£ãªãã£åºæºãµã€ãžã³ã°ïŒ ååŒãããè³ç£ã®ãã©ãã£ãªãã£ã«åºã¥ããŠããžã·ã§ã³ãµã€ãºã調æŽããŸãããã©ãã£ãªãã£ãé«ãã»ã©ãéåžžã¯ããå°ããªããžã·ã§ã³ãµã€ãºãå¿ èŠã«ãªããŸãã äŸãã°ãã¢ãã¬ãŒãžã»ãã¥ã«ãŒã»ã¬ã³ãžïŒATRïŒã䜿çšããŠãã©ãã£ãªãã£ã枬å®ã§ããŸãã
äŸïŒåºå®å²åæ³
50,000ãã«ã®ååŒå£åº§ãæã¡ã1åã®ååŒã§1ïŒ ã®ãªã¹ã¯ãåããšæ±ºãããšããŸããããã¯ã1åã®ååŒã§500ãã«ããªã¹ã¯ã«ãããããšãã§ããããšãæå³ããŸãã
ãšã³ããªãŒäŸ¡æ Œãã2ãã«äžã«ã¹ããããã¹æ³šæã眮ããæ ªåŒãååŒããå Žåã250æ ªãè³Œå ¥ã§ããŸãïŒ500ãã« / 2ãã« = 250æ ªïŒã
ã¹ããããã¹æ³šæã50 pipsé¢ããå Žæã«çœ®ããé貚ãã¢ãååŒããåpipãæšæºãããããã10ãã«ã®äŸ¡å€ãããå Žåã0.5ããããååŒã§ããŸãïŒ500ãã« / (10ãã« * 50) = 0.5ãããïŒã
3. éæå€æ³šæïŒã¹ããããã¹ïŒ
éæå€æ³šæïŒã¹ããããã¹ïŒãšã¯ãäŸ¡æ Œãç¹å®ã®ã¬ãã«ã«éããå Žåã«èªåçã«ããžã·ã§ã³ã決æžãããããããŒã«ãŒã«æç€ºãããã®ã§ããããã¯æœåšçãªæå€±ãéå®ããããã®éèŠãªããŒã«ã§ãã éæå€æ³šæã¯ãããªãã®ååŒã¢ã€ãã¢ãç¡å¹ã«ãªãã¬ãã«ã«çœ®ãã¹ãã§ããéåžžã®åžå Žã®å€åã§ææå°æ©ã«çºåãããŠããŸãå¯èœæ§ãããããããšã³ããªãŒäŸ¡æ Œã«æ£æçã«è¿ã¥ããããªãã§ãã ããã
éæå€æ³šæã«ã¯ããã€ãã®çš®é¡ããããŸãïŒ
- åºå®ã¹ããããã¹ïŒ ãšã³ããªãŒäŸ¡æ Œããåºå®ã®è·é¢ã«çœ®ãããéæå€æ³šæã§ããããã¯æãåçŽãªã¿ã€ãã®éæå€æ³šæã§ããäŸãã°ããšã³ããªãŒäŸ¡æ Œã®5ïŒ äžã«éæå€æ³šæã眮ããŸãã
- ãã¬ãŒãªã³ã°ã¹ããããã¹ïŒ äŸ¡æ Œãæå©ãªæ¹åã«åãã«ã€ããŠèªåçã«äžæ¹ã«èª¿æŽãããéæå€æ³šæã§ããããã«ãããæœåšçãªæå€±ãéå®ããªããå©çã確å®ãããããšãã§ããŸãã ãã¬ã³ãåžå Žã§ãå©çãä¿è·ãã€ã€äžæåãããå€ãæããã®ã«åœ¹ç«ã¡ãŸãã
- ãã©ãã£ãªãã£åºæºã¹ããããã¹ïŒ ååŒãããè³ç£ã®ãã©ãã£ãªãã£ã«åºã¥ããŠçœ®ãããéæå€æ³šæã§ãããã©ãã£ãªãã£ãé«ãã»ã©ãéåžžã¯ããåºãéæå€ã¬ãã«ãå¿ èŠã«ãªããŸããATRã€ã³ãžã±ãŒã¿ãŒã䜿çšããŠãé©åãªéæå€ã®è·é¢ãèšç®ã§ããŸãã
- æéåºæºã¹ããããã¹ïŒ å©çãæå€±ã«é¢ããããäžå®æéåŸã«ããžã·ã§ã³ã決æžããŸããããã¯çææŠç¥ãããžã·ã§ã³ããªãŒããŒãã€ãã§ä¿æããå Žåã«åœ¹ç«ã¡ãŸãã
äŸïŒåºå®ã¹ããããã¹æ³šæ
Xç€Ÿã®æ ªåŒã100ãã«ã§è³Œå ¥ããŸããããªãã¯åºå®ã®éæå€æ³šæã95ãã«ã«èšå®ããæœåšçãªæå€±ã1æ ªããã5ãã«ã«éå®ããããšã決å®ããŸããäŸ¡æ Œã95ãã«ã«äžèœãããšããããŒã«ãŒã¯èªåçã«ããªãã®æ ªåŒã売åŽããŸãã
4. æå€æ³šæïŒãã€ã¯ãããã£ããïŒ
äž»ã«æå€±ã®éå®ã«çŠç¹ãåœãŠãŠããŸããããªã¹ã¯ç®¡çã«ã¯çŸå®çãªå©çç®æšã®èšå®ãå«ãŸããŸããæå€æ³šæïŒãã€ã¯ãããã£ããïŒãšã¯ãäŸ¡æ Œãäºåã«å®ããããã¬ãã«ã«éãããšãã«èªåçã«ããžã·ã§ã³ã決æžããå©çã確ä¿ãããããããŒã«ãŒã«æç€ºãããã®ã§ãããªã¯ãŒã/ãªã¹ã¯æ¯çãå®çŸ©ããããšããååŒã®éžæãæ¹åããŸãã ãå©çã䌞ã°ããããã«èšèšãããæŠç¥ããããŸãããåæããªã¯ãŒã/ãªã¹ã¯æ¯çã«åºã¥ããŠå©ç確å®ã¬ãã«ãèšå®ããããšã¯ãã¢ã¯ãã£ããªååŒã·ã¹ãã ã®äžè²«æ§ãåäžãããŸãã
5. 忣æè³
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