ManagementulRiscurilor.ro

download ManagementulRiscurilor.ro

of 7

Transcript of ManagementulRiscurilor.ro

  • 8/9/2019 ManagementulRiscurilor.ro

    1/7

    Fhghbjfjg{zl&Qm~nzqmliq'qiplh{diqfmgdiqfhmighlkjkmnh{ mgdiqfqmm

    kj~pqj qm~n m fhghbjfjg{zl qm~nzlzm kj ~jnzqm{h{j mgdiqfhmighl' ^{zkmz kj nh'

    Thljg{mg P' F_QJHGZ, Kq'Kjphq{hfjg{zl kj Jnigifmj, Hghlm Nhg{m{h{mt m ^m~{jfj Mgdiqfhmighlj

    Dhnzl{h{jh kj Jnigifmj m Hkfmgm~{qhqjh HdhnjqmliqZgmtjq~m{h{jh Hljuhgkqz Mihg Nzh kmg Mhm

    Kmqjn{iq Qjbmighl hl [ej Pqidj~~mighl Qm~c Fhghbjq~ Mg{jqgh{mighl H~~inmh{mig%PQFMH- Qifhgmh Nehp{jq

    Oz~{mdmnhqj

    Pjg{qz n gn jum~{ i lmp~ kj mgdiqfhqjh~zpqh h {i{ njjh nj g~jhfg qm~nzl, g bjgjqhl, m

    qm~nzl g fjkmzl jljn{qigmn kj hdhnjqm,g ~pjnmhl, m pjg{qz n fhghbjfjg{zl qm~nzlzmgn gz j~{j pz~

    pj linzl pj nhqj l fjqm{ g nhkqzl zgjm iqbhgmhmm, g nhkqzl zgzm pqimjn{ hfplz kj nig{mjg{mhqj h

    fjkmzlzm kj hdhnjqj m hnhkjfmn nz pqmtmqj lh mfpiq{hgh fhghbjfjg{zlzm qm~nzlzm, ~&h kjnm~

    mfpljfjg{hqjh zgjm plh{diqfj iglmgj kjkmnh{ fhghbjfjg{zlzm qm~nzlzm'

    Mkjjh h pqmg~ nig{zqh fhm hlj~ kzp nig~{h{hqjh ha~jgjm g ~phmzl rja qifgj~n h zgjm h~{djl kj

    plh{diqfj, nhqj ~ {qh{jj junlz~mt m dq iqmjg{hqj ~pqj pqidm{ kifjgmzl fhghbjfjg{zlzm qm~nzlzm'

    Gz kj~nig~mkjqf pqjjgh g ~phmzl rja qifgj~n h Pqiojn{ Fhghbjfjg{ Mg~{m{z{j, Qifhgmhg

    Nehp{jq, nhqj ~j inzp kj {i{ njjh nj g~jhfg fhghbjfjg{zl kj pqimjn{ %khq nhqj dzqgmjh pqjh

    pzmgj mgdiqfhmm-, h nifphgmjm kj nig~zl{hg [jg ^{jp, nhqj kj h~jfjgjh {qh{jh njjh nj

    g~jhfg fhghbjfjg{zl kj pqimjn{ ~hz h hl{iq h~{djl kj mg~{m{zmm' Fjqbgk fhm kjphq{j, i jupliqhqjnz hoz{iqzl zgzm fi{iq kj nz{hqj, dili~mgk nztmg{j nejmj pqjnzf fhghbjfjg{zl qm~nzlzm ~hz

    fhghbjfjg{zl qm~nzqmliq, idjq i lm~{ kj qjzl{h{j8 gjnignlzkjg{j pjg{qz {i{ njjh nj qjpqjmg{

    {mmgh m hq{h fhghbjfjg{zlzm qm~nzlzm'

    ^{zkmz Iglmgj

    g hnj~{j nigkmmm, mkjjh ~&h fh{jqmhlmh{ g rrr'fhghbjfjg{zl&qm~nzqmliq'qi, zg pqimjn{ nj

    mg{jgmigjh ~ idjqj {z{zqiq tmm{h{iqmliq mgdiqfhmm kj~pqj kifjgmzl fhghbjfjg{zlzm qm~nzlzm mkj~pqj pqinj~jlj pj nhqj lj pqj~zpzgj, pqimjn{ nz pqjnkjqj iqmjg{h{ n{qj fjkmzl M[' g plz~, ~m{j&zl

    pih{j dm nig~mkjqh{ zg pzgn{ kj pljnhqj pjg{qz {im njm nhqj tiq ~ hnzfzljj mgdiqfhmm kj~pqj hnj~{

    kifjgmz m gz {mz kj zgkj ~ piqgjh~n'

    Lh fifjg{zl lhg~qmm %fhm 1004-, pqimjn{zl nigmgjh mgdiqfhmm kj~pqj pqinj~jlj fhghbjfjg{zl

    qm~nzlzm, phq{mnzlhqm{mlj fhghbjfjg{zlzm qm~nzlzm g fjkmzl {jegilibmmliq mgdiqfhmighlj m kj

    nifzgmnhmj,zg fmn kmnmighq nz {jqfjgm dili~mm g fhghbjfjg{zl qm~nzqmliq, giz{m kj~pqj kmtjq~j

    8Kihq n{jth phbmgm hlj zgiq dhnzl{m nj hz g nzqqmnzl iamjn{zl fhghbjfjg{zlzm qm~nzlzm ~hz phbmgm hlj zgiq mg~{m{zmmpqmth{j nj hfmg{j~n kj hnj~{ kifjgmz g pqjjg{hqjh pqipqmmliq ~jqtmnmm kj nig~zl{hg %tiqamf hmnm nz pqjnkjqj kjnifphgmm huh{j pj nig~zl{hgh g h~mbzqqm ~hz pqi{jnmh fzgnmm-' Fjgmigf {i{zm pqjjgh nig~zl{hgmliq kj lh Fhq~e^QL, nhqj hz pzalmnh{ i tqjfj zg azlj{mg mgdiqfh{mt iglmgj kjgzfm{ Qm~n Nig~zl{'

    http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/
  • 8/9/2019 ManagementulRiscurilor.ro

    2/7

    jtjgmfjg{j kj pqidml kjqzlh{j lh gmtjl ghmighl m mg{jqghmighl %nigdjqmgj, riqc~eip~, {qhmgmgb j{n'-

    m i ~jqmj kj hq{mnilj nz {qmfm{jqj lh njlj fhm gim mgdiqfhmm kmg igh fhghbjfjg{zlzm qm~nzlzm m

    ~jnzqm{mm mgdiqfhmighlj'

    Eifj Phbj

    Fhghbjfjg{zl Qm~nzqmliq

    Giz{m

    ^{zkmm g Nzq~

    Mgdiqfhmm Z{mlj

    Rja~m{j&zqm kj Mg{jqj~

    Oz~{mdmnhqj

    Nig{hn{

    Kj~pqj Qm~n Jthlzhqjh Qm~nzlzm Nig{qilzl Qm~nzlzm

    Ghmighl Mg{jqghmighl

    Kmnmighq Mg~{m{zmm kj Pqidml ^{zkmm %qjzl{h{j-

    Dmb' 8 ^{qzn{zqh rja~m{j&zlzmrrr'fhghbjfjg{zl&qm~nzqmliq'qig fifjg{zl lhg~qmm

    Dmb' 1 Fikzl kj pzalmnhqj h hgzgzqmliq kj linzqm kj fzgn

    Lh tqjfjh lhg~qmm, ~{qzn{zqh ~m{j&zlzm ~j pqjjg{h nh g dmbzqh 8' Kj&h lzgbzl {mfpzlzm ~m{j&zl ~&h

    fazg{m{, g pqjjg{ idjqmgk mgdiqfhmm kj~pqj kmtjq~j fj{ikilibmm hplmnh{j g fhghbjfjg{zl

    qm~nzlzm pqjnzf Fjehqm %fj{ikilibmj {qhkz~ g {i{hlm{h{j g lmfah qifg-, {ej Iqhgbj Aiic, PFM

    Aik} id Cgirljkbj, In{htj, M[ML, NIAM[ ~hz Fmnqi~id{ Dqhfjriqc'

    http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/
  • 8/9/2019 ManagementulRiscurilor.ro

    3/7

    Pj lgb fj{ikilibmm, ~m{j&zl pqjmg{ hpqiumfh{mt 2:0 kj hq{mnilj bqzph{j pj kifjgmmlj?

    pqinj~jlj kj fhghbjfjg{ hl qm~nzlzm, mg~{qzfjg{j kj fhghbjfjg{ hl qm~nzlzm, {z{iqmhlj %kinzfjg{j

    m nlmpzqm tmkji-, ~jnzqm{h{j M[ j{n' ^m{j&zl nigmgj m i ~jnmzgj kjkmnh{ nifphgmmliq, qjpqjjg{hgmm

    hnj~{iqh htgk pi~mamlm{h{jh kj h pzalmnh hgzgzqm kj linzqm kj fzgn %dmb'1- ~hz kj h&m g~nqmj

    nifphgmh g{q&zg kmqjn{iq rja %dmb'>-, dhnmlm{gk h~{djl nig{hn{zl g{qj njqjqjh m idjq{h kj ~jqtmnmm kjpj pmhh fhghbjfjg{zlzm qm~nzlzm'

    Dmb' > Fikzl {mp kmqjn{iq rja pjg{qz pqifithqjh nifphgmmliq

    Km~{qmazmh pj qm h tmm{h{iqmliq g lzgh mzgmj 1005

    =>*

    8* 8*>*1*

    8*

    Qifhgmh

    Q' Filkith

    Jzqipj

    Nhghkh

    ^'Z'H'

    Hl{j {hqm

    Dmb' ; Km~{qmazmh bjibqhdmn %pj qm- h tmm{h{iqmliq g lzgh mzgmj 1005

    pjg{qz zg {i{hl 84=1 kj tmm{h{iqm %~zq~h {qhdmn'qi-1

    ^m{j&zl ~&h mfpz~ g fjkmzl iglmgj kmg Qifgmh, h~{djl n g pqjjg{ i nz{hqj nz hoz{iqzl zgzm

    fi{iq kj nz{hqj %ju' Biiblj- dili~mgk nztmg{jlj nejmj fhm ~z~ fjgmigh{j, plh~jh

    rrr'fhghbjfjg{zl&qm~nzqmliq'qipj pqmfzl lin g lm~{h qjzl{h{jliq' Hnj~{ djgifjg ~j pqikznj nemhq

    m g lmp~h zgjm nhfphgmm pzalmnm{hqj tmmamlj g fjkmzl iglmgj ~hz iddlmgj' Mg~zdmnmjgh pzalmnm{mm

    1g bqzpzl hl{j qm ~zg{ mgnlz~j? Mgkmh, M~qhjl, Aqhmlmh, Nemgh, Jfmqh{jlj Hqhaj Zgm{j, Fjumn, Gizh _jjlhgk

    http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/
  • 8/9/2019 ManagementulRiscurilor.ro

    4/7

    dhnj nh ~m{j&zl ~ h{qhb, g fjkmj, zg gzfq kj 8554 tmm{h{iqm> pj lzg %in{ifaqmj 1005-, nhqj

    qjhlmjh, g fjkmj, zg gzfq kj ;218 hdmqm; %in{ifaqmj 1005-'

    Kmg pzgn{ kj tjkjqj hl km~{qmazmjm bjibqhdmnj, ~m{j&zl j~{j tmm{h{ g pqipiqmj kj =0* kj n{qj

    tmm{h{iqm kmg Qifgmh, njhlhl{ phq{j kj 80* dmmgk qjpqjjg{h{ kj tmm{h{iqm kmg hl{j qm' Pqjjg{f

    g dmbzqh ; ~m{zhmh tmm{h{iqmliq pjg{qz lzgh mzgmj 1005'g tjkjqjh hghlmjm pqidmlzlzm nig~zfh{iqzlzm kj mgdiqfhmj kj~pqj fhghbjfjg{zl qm~nzlzm kmg

    Qifgmh pz{jf ia~jqth g dmbzqh : m dmbzqh 4, bqhdmnjlj km~{qmazmjm pj ozkjj m pj linhlm{m'

    Km~{qmazmh pj ozkjj h tmm{h{iqmliq g lzgh mzgmj 1005

    >=*

    18*

    8;*:*;*

    ;*

    ;*

    >*

    1*

    1*

    1*

    Aznzqj~{m

    Mh~m

    Nlzo

    ^znjhth

    [mfm~

    Aqh~it

    Nig~{hg{h

    Fzqj~

    Ameiq

    ^mamz

    Hl{j ozkjj Dmb' : Km~{qmazmh bjibqhdmn %pj ozkjj- h tmm{h{iqmliq g lzgh mzgmj 1005

    pjg{qz zg {i{hl 8:24 kj tmm{h{iqm %~zq~h {qhdmn'qi-:

    Km~{qmazmh pj linhlm{m h tmm{h{iqmliq g lzgh mzgmj 1005

    >=*

    8>*

    14*

    1*

    1*

    1*

    1*>*

    >*;* ;*

    Aznzqj~{m

    Mh~m

    Nlzo&Ghpinh

    [mfm~ihqh

    Aqh~it

    Nig~{hg{h

    ^znjhth

    Iqhkjh

    ^mqj{

    Plimj~{m

    Hl{j linhlm{h{m

    Dmb' 4 Km~{qmazmh bjibqhdmn %pj linhlm{m- h tmm{h{iqmliq g lzgh mzgmj 1005

    pjg{qz zg {i{hl 8:24 kj tmm{h{iqm %~zq~h {qhdmn'qi- 4

    >Z{mlmh{iq kj mg{jqgj{ nhqj dhnj njl pzmg i hdmhqj pj zg ~m{j, g kjnzq~zl zgjm mlj %nigdiqf {qhdmn'qi-

    ;I tmzhlmhqj h zgjm phbmgm rja g{q&zg aqir~jq kj mg{jqgj{ %nigdiqf {qhdmn'qi-: Bqhdmnzl pqjmg{ ~m{zhmh pqmfjliq 80 ozkjj' g bqzpzl hl{jozkjj~zg{ mgnlz~j hl{j ;0 kj ozkjj nz tmm{h{iqm g

    pqipiqmj kj njl fzl{ 1*'4Bqhdmnzl pqjmg{ ~m{zhmh pqmfjliq 80 linhlm{m' g bqzpzl hl{j linhlm{m~zg{ mgnlz~j hl{j 810 kj linhlm{m nz tmm{h{iqmg pqipiqmj kj njl fzl{ 1*'

  • 8/9/2019 ManagementulRiscurilor.ro

    5/7

    Nz hoz{iqzl mg~{qzfjg{jliq idjqm{j kj Biiblj pz{jf hpqidzgkh hghlmh pqidmlzlzm nig~zfh{iqzlzm

    kj mgdiqfhmj kj~pqj fhghbjfjg{zl qm~nzlzm' Mh{ nhqj ~zg{ pqmfjlj jnj nztmg{j nejmj nhqj hz di~{

    dili~m{j kj ghtmbh{iqmm pj mg{jqgj{ nhqj hz hdmh{ lm~{j nhqj nigmgjhz m ~m{j&zlrrr'fhghbjfjg{zl&

    qm~nzqmliq'qim pqinjg{zl kmg pqmfjlj 10 mg{jqibqm qjpqjjg{h{ kj dmjnhqj nz{hqj2'

    [hajl 8 Nztmg{jlj nejmj dili~m{j kj ghtmbh{iqmm pj mg{jqgj{ g nz{qmlj liq kj mgdiqfhmm ljbh{j kj fhghbjfjg{zlqm~nzlzm %pjg{qz lzgh mzgmj 1005-

    Gq'Nq{' Pqinjg{ Nztg{ nejmj Pimmj

    8 >0* fhghbjfjg{zl qm~nzlzm 8

    1 =* fj{ikh kjlpem :

    > 4* m{ml 5

    ; :* nzq~zqm mh~m 2

    : :* fhghbjfjg{zl 80

    4 ;* mg{qikznjqj qm~n 8

    2 ;* plhg kj nig{mgbjg{h :

    5 ;* hzkm{zl ~m~{jfjliq mgdiqfh{mnj 8>

    = >* nj j~{j juplim{ 5

    80 >* ~mfzlhqjh fig{j nhqli 11

    Kmg{qj nztmg{jlj nejmj dili~m{j nhqj hz kz~ lh hnnj~hqjh ~m{j&zlzm fjgmigf pqmfjlj ip{'

    [hajl 1 Nztmg{jlj nejmj dili~m{j kj ghtmbh{iqmm pj mg{jqgj{ nhqj hz kz~ lh hnnj~hqjh ~m{j&zlzm rjarrr'fhghbjfjg{zl&qm~nzqmliq'qi

    Gq'Nq{' Pqinjg{ Nztg{ nejmj Pimmj

    8 >1* fhghbjfjg{zl qm~nzlzm 8

    1 84* nlh~mdmnhqj mgdiqfh{mj ;

    > 81* plhg kj nig{mgbjg{h :

    ; 5* qjbm~{qzl qm~nzqmliq 1

    : 5* qm~nzqm lh lhg~hqjh zgzm pqikz~ >

    4 5* hghlmh qm~nzlzm pqimjn{jliq :

    2 5* fhghbjfjg{zl ~nipzlzm 5

    5 5* hzkm{zl ~m~{jfjliq mgdiqfh{mnj 8>

    Lh kh{h kj 8; kjnjfaqmj 1005, ~m{j&zl idjqjh zg gzfq kj >5: hq{mnilj, kmg{qj nhqj 88: hq{mnilj

    nhqj pqjmg{ ipmgmh pjq~ighl h hz{iqzlzm nz pqmtmqj lh pqialjfj kj hn{zhlm{h{j g fhghbjfjg{zl

    qm~nzlzm, 80; hq{mnilj kjkmnh{j kifjgmzlzm pqi{jnmjm m ~jnzqm{mm mgdiqfhmighlj, 8; hq{mnilj nhqj

    haiqkjh j{hpjlj pqinj~zlzm kj fhghbjfjg{ hl qm~nzqmliq, 2 hq{mnilj kj~pqj mg~{qzfjg{jlj kj2Lm~{h njliq 10 kj nztmg{j nejmj fhm nigmgj {jqfjgmm? pi{qmtm{m qm~c fhghbjfjg{, qm~nzqm hqemthq, pqfmh, qm~nzqm lhlhg~hqjh zgzm pqikz~, ~{zkmz kj nh qm~nzqm, iqhgbj aiic

    http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/
  • 8/9/2019 ManagementulRiscurilor.ro

    6/7

    fhghbjfjg{ hl qm~nzlzm, 8= {z{iqmhlj m ;8 kj hq{mnilj kjkmnh{j fj{ikilibmmliq kj fhghbjfjg{ hl

    qm~nzlzm' Kmg{qj fj{ikilibmmlj pqjjg{h{j, hfmg{mf m Fjehqm1002, {qhkz~ g lmfah qifg pqmg{q&

    zg jdiq{ pjq~ighl hl hz{iqzlzm'

    Dmb' 2 Km~{qmazmh hq{mniljliq pzalmnh{j pj ~m{j&zl rrr'fhghbjfjg{zl&qm~nzqmliq'qi

    Lm~{h {z{iqmhljliq pzalmnh{j pj ~m{j pih{j dm ia~jqth{ g dmbzqh kj fhm oi~?

    Dmb' 5 Lm~{h {z{iqmhljliq pzalmnh{j pj ~m{j&zl rrr'fhghbjfjg{zl&qm~nzqmliq'qi

    ^m{j&zl nigmgj m zg fikzl kj ~{mqm fzl{mfjkmh %hzkmi-zl{mfjlj ~{mqm pqjlzh{j kmqjn{ kj pj ~m{j&

    zlrrr'~jhqne~jnzqm{}'nif'

    Dmb' = Fikzl kj {mqm mg{jbqh{ g ~{qzn{zqh ~m{j&zlzm

    Nig~mkjqhmm Dmghlj

    http://www.searchsecurity.com/http://www.searchsecurity.com/http://www.searchsecurity.com/http://www.searchsecurity.com/
  • 8/9/2019 ManagementulRiscurilor.ro

    7/7

    Pj tmm{iq ~m{j&zl, th {qjnj pqmg{q&i giz ~jqmj kj fikmdmnqm mg{jbqgk zg fikzl kj {mp diqzf

    hnnj~maml z{mlmh{iqmliq hz{jg{mdmnhm, hnj~{ fikzl htgk qilzl kj h pzgj dh g dh pj {im njm

    mg{jqj~hm kj kifjgmz, g ~pjqhgh n th kjtjgm i plh{diqf kj nifzgmnhqj g{qj ~pjnmhlm{mm g

    kifjgmz' g tjkjqjh h~m~{qmm pjq~ihgjliq nhqj kiqj~n iamgjqjh zgiq njq{mdmnqm g igh

    fhghbjfjg{zlzm qm~nzlzm m h ~jnzqm{mm mgdiqfhmighlj %ju' Pqidj~~mighl Qm~c Fhghbjq %PQF-hniqkh{ kj PQFMH, FYIYQ, M[ML, NM^^P j{n'-, ~m{j&zl th idjqm i plh{diqf kj km~nzmm m nilhaiqhqj

    g nhqj ~j tiq idjqm mgdiqfhmm kj~pqj pqibqhfzl kj njq{mdmnhqj fhm ~z~ fjgmigh{ m zgkj nhgkmkhmm

    tiq pz{jh mg{qh g{q&zg kmhlib zgmm nz hlmm'

    [i{ikh{, kmg kiqmgh kj h kjtjgm zg qjhl mg~{qzfjg{ kj hoz{iq fhghbjqmliq kj iqbhgmhmm, ~m{j &zl

    th nigmgj i ~jnmzgj kjkmnh{ nej~{mighqjliq kj hz{i&jthlzhqj %jujfplj kj nej~{mighqj nj pi{ dm

    pzalmnh{j? jthlzhqjh nhphamlm{mliq M[, hz{ijthlzhqjh gmtjlzlzm kj ~jnzqm{h{j mgdiqfhmighl,

    jthlzhqjh p~meilibmn h pjq~ighlzlzm-'

    ^zq~j Iqmjg{h{mtj

    8' Fhghbjfjg{zl Qm~nzqmliq,e{{p?))rrr'fhghbjfjg{zl&qm~nzqmliq'qi1' PQFMH Bliahl,e{{p?))rrr'pqfmh'iqb>' PQFMH Qifhgmh Nehp{jq,e{{p?))rrr'pqfmh'iqb)Nehp{jqYPhbj~)Aznehqj~{

    http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.managementul-riscurilor.ro/http://www.prmia.org/http://www.prmia.org/http://www.prmia.org/http://www.prmia.org/Chapter_Pages/Bucharesthttp://www.prmia.org/Chapter_Pages/Bucharesthttp://www.prmia.org/Chapter_Pages/Bucharesthttp://www.prmia.org/Chapter_Pages/Bucharesthttp://www.prmia.org/http://www.managementul-riscurilor.ro/