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一、风险估值是资产风险管理的基础由于各种不确定因素使企业的实际收益与预期收益发生偏离,从而使其蒙受损失的可能性,就是企业面临的主要风险。企业资产的主要风险就是对企业存在及运作产生重大影响的资金事项,具体包括以下五类。1、资产风险,指由于投入资金发生呆滞,呆帐所形成的信用风险和库存资金占用风险;2、市场风险,是由市场价格(利率)的变化引起企业持久的资产价格发生变化带来的风险;3、流动性风险,指债权人按照正当理由提款时企业不能支付的付款风险;
1. Risk Valuation is the Basis of Asset Risk Management Because of various uncertainties, the company’s actual income will deviate from its expected return, and thus the possibility of losses will be the main risk faced by the company. The main risk of corporate assets is the capital matters that have a significant impact on the existence and operation of the company. The following five categories are specifically included. 1. Asset risk refers to the credit risk arising from bad debts due to sluggish input funds, and the risk of taking inventory funds; 2. Market risk is caused by changes in market prices (interest rate) that cause persistent changes in asset prices. Risks; 3. Liquidity risk refers to the payment risk that cannot be paid by the creditor when the creditor withdraws according to a valid reason;