Ocjena rizika nije upravljanje rizikom

Translated title of the contribution: Risk evaluation is not risk management

Zoltán Baracskai, Viktor Dörfler, Jolán Velencei

Research output: Contribution to journalArticle

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Abstract

Osnovni problem poslovnog rizika se najčešće sužava na ocjenu rizika. U gorem slučaju na pokušaj mjerenja rizika. Smatramo da je mjerenje nemoguće, a ocjena je jednostavna, što i ilustriramo jednim primjerom poslovne banke. U tom primjeru, pomoću DoctuS sistema baziranog na znanju, koristimo 600 logičkih pravila za ocjenu rizika davanja kredita. Rješenje upravljanja rizikom nije u izboru kriterija i njihovom mjerenju, već u "ako...onda" logičkim pravilima. To je jednostavno i korisno rješenje, no u radu ipak diskutiramo doprinos ocjene upravljanju.

The fundamental problem of business risk is usually reduced to risk evaluation; in a worst case to an attempt to measuring risk. We consider that measurement is impossible and evaluation is simple. To illustrate this, we present a case of business banking; in this case we use 600 logical rules to evaluate the loan risk regarding particular applicants. The solution of risk management is not in the criteria selection and their measurement but in the 'if... then' logical rules. This is a simple and very useful solution but in paper we discuss the contribution of risk evaluation to risk management.
Original languageOther
Pages (from-to)15-17
Number of pages3
JournalStrategijski menadzment
Volume12
Issue number1-2
Publication statusPublished - 2007

Fingerprint

Risk evaluation
Logic
Risk management
Banking
Evaluation
Business risk
Selection criteria
Loans

Keywords

  • risk evaluation
  • risk management
  • expert system
  • knowledge-based system
  • knowledge management

Cite this

Baracskai, Z., Dörfler, V., & Velencei, J. (2007). Ocjena rizika nije upravljanje rizikom. Strategijski menadzment, 12(1-2), 15-17.
Baracskai, Zoltán ; Dörfler, Viktor ; Velencei, Jolán. / Ocjena rizika nije upravljanje rizikom. In: Strategijski menadzment. 2007 ; Vol. 12, No. 1-2. pp. 15-17.
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Baracskai, Z, Dörfler, V & Velencei, J 2007, 'Ocjena rizika nije upravljanje rizikom', Strategijski menadzment, vol. 12, no. 1-2, pp. 15-17.

Ocjena rizika nije upravljanje rizikom. / Baracskai, Zoltán; Dörfler, Viktor; Velencei, Jolán.

In: Strategijski menadzment, Vol. 12, No. 1-2, 2007, p. 15-17.

Research output: Contribution to journalArticle

TY - JOUR

T1 - Ocjena rizika nije upravljanje rizikom

AU - Baracskai, Zoltán

AU - Dörfler, Viktor

AU - Velencei, Jolán

PY - 2007

Y1 - 2007

N2 - Osnovni problem poslovnog rizika se najčešće sužava na ocjenu rizika. U gorem slučaju na pokušaj mjerenja rizika. Smatramo da je mjerenje nemoguće, a ocjena je jednostavna, što i ilustriramo jednim primjerom poslovne banke. U tom primjeru, pomoću DoctuS sistema baziranog na znanju, koristimo 600 logičkih pravila za ocjenu rizika davanja kredita. Rješenje upravljanja rizikom nije u izboru kriterija i njihovom mjerenju, već u "ako...onda" logičkim pravilima. To je jednostavno i korisno rješenje, no u radu ipak diskutiramo doprinos ocjene upravljanju.The fundamental problem of business risk is usually reduced to risk evaluation; in a worst case to an attempt to measuring risk. We consider that measurement is impossible and evaluation is simple. To illustrate this, we present a case of business banking; in this case we use 600 logical rules to evaluate the loan risk regarding particular applicants. The solution of risk management is not in the criteria selection and their measurement but in the 'if... then' logical rules. This is a simple and very useful solution but in paper we discuss the contribution of risk evaluation to risk management.

AB - Osnovni problem poslovnog rizika se najčešće sužava na ocjenu rizika. U gorem slučaju na pokušaj mjerenja rizika. Smatramo da je mjerenje nemoguće, a ocjena je jednostavna, što i ilustriramo jednim primjerom poslovne banke. U tom primjeru, pomoću DoctuS sistema baziranog na znanju, koristimo 600 logičkih pravila za ocjenu rizika davanja kredita. Rješenje upravljanja rizikom nije u izboru kriterija i njihovom mjerenju, već u "ako...onda" logičkim pravilima. To je jednostavno i korisno rješenje, no u radu ipak diskutiramo doprinos ocjene upravljanju.The fundamental problem of business risk is usually reduced to risk evaluation; in a worst case to an attempt to measuring risk. We consider that measurement is impossible and evaluation is simple. To illustrate this, we present a case of business banking; in this case we use 600 logical rules to evaluate the loan risk regarding particular applicants. The solution of risk management is not in the criteria selection and their measurement but in the 'if... then' logical rules. This is a simple and very useful solution but in paper we discuss the contribution of risk evaluation to risk management.

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KW - risk management

KW - expert system

KW - knowledge-based system

KW - knowledge management

UR - http://www.viktordorfler.com/

UR - http://scindeks.nb.rs/article.aspx?artid=0354-84140702015B

M3 - Article

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JO - Strategijski menadzment

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IS - 1-2

ER -