Apetyt Na Ryzyko — Próba Uporządkowania Terminologii

Abstract

Apetyt na ryzyko został uznany zarówno przez teoretyków, jak i praktyków międzynarodowych za fundamentalny i krytyczny element zarządzania ryzykiem w organizacjach. Biorąc pod uwagę fakt, że ani w literaturze przedmiotu, ani w praktyce gospodarczej nie ma zgodności, co do jednoznaczności definicji apetytu na ryzyko, oraz że występuje różnorodna terminologia towarzysząca temu pojęciu, można mówić o konieczności uporządkowania pojęć należących do obszaru zarządzania ryzykiem. Celem niniejszego opracowania jest próba ustalenia odpowiedzi na pytania Czym jest apetyt na ryzyko w działalności przedsiębiorstw? oraz Czy i jakie pojęcia powinny mu towarzyszyć? W artykule wykorzystano krytyczną analizę literatury przedmiotu

Risk identification in managing small and medium-sized enterprises in Poland

“…This is particularly significant in the case of small and medium-sized entities, which face higher information asymmetries and uncertainty compared to bigger companies (Burkhardt, 2016). Nevertheless, SMEs are usually reluctant to adopt a formal risk management strategy (Florio & Leoni, 2017;Gorzeń-Mitka, 2019), what's more often even overlook this element of economic activity, although one of the fundamental processes that contribute to ensuring business continuity is the process of risk management (Korombel, 2013;Ślusarczyk & Grondys, 2019). It's also worth adding, that there are a number of benefits resulting from risk management in SMEs.…”

“…Risk management, that is making decisions and carrying out actions aimed at achieving an acceptable level of risk by an entity, referred to as risk appetite (see more: Bakos & Dumitrașcu, 2021;Korombel, 2017) should constitute an integral part of business management regardless of the size of the business (Meshkova et al, 2018). Risk management involves, in particular, identifying potential events or situations to which an entity is exposed, estimating their impact and likelihood of occurrence, identifying and applying proper responses, and monitoring risks (Czerwińska & Jajuga, 2016;Korombel, 2013), as it is a process rather than a one-off action allowing to continuously adjust the level of risk to an acceptable level.…”

“…In order to operate efficiently on a dynamic and competitive market, it is particularly important to identify risks, meaning to discover events that represent a source of risk and therefore constitute a potential obstacle to achieving objectives of a company (Korombel, 2013). Identification aimed at determining the risks to which an entity is exposed (Jajuga et al, 2015) requires analyzing the company as a whole and identifying all possible sources of risk affecting the entity, taking into account the characteristics of each one of them (Szczerbak, 2009).…”

Understanding Risk Culture in the Context of a Sustainable Project: A Preliminary Study

“…In both the Central European context and the Polish ground, the research problem of risk culture has so far been studied by few authors. Research in this area was conducted in the context of risk culture essence, determinants [15,16], risk appetite [17,18], risk culture awareness and markers [19][20][21], as well as the role of risk culture in the processes of risk management in banks [22,23].…”

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“…Czech, 2011; Bochenek, 2012;Korombel et al 2016;Raczkowski, Tworek, 2017). One should also not ignore the universal division into private and public organisations and, consequently, the division into commercial risks and public risks(Young, Fone, 2001;Fone, Young, 2007;Drennan, McConnell, 2007;Hood, Miller, 2009;Klimczak, 2009;Kumpiałowska, 2015; Whatever types of organisations, classified in terms of ownership, from the scientific point of view it is important to remember about the key research trends, i.e.…”