Abstract:

It is important at any moment to have reliable information about the level of risk, take into account reasonable criteria for the selection of measures to minimize and finance it from the point of view of the tactical objectives of the organization's management, the need to ensure the effectiveness of the risk management system of its activities. The article deals with the study of the practice and results of the application in cooperative organizations of existing tools for assessing current losses, reducing potential losses and their financing relative to the main risks - property, transport and natural ones. It enabled the development of a methodology for assessing the level of property risk of organizations, the degree of compensation for damage and the structure of sources of its financing, which allows identifying reserves for minimizing losses from the implementation of risk; to form methodological approaches for comparative assessment of the use of insurance and retention as alternative methods of covering losses; to develop a system of indicators for assessing the effectiveness of insurance as the main method of financing risks, as well as to systematize and clarify the list of performance indicators for the insured in order to optimize the terms of the contract. It was noted that effective protection against risk can only be obtained with the integrated use of various methods of risk reduction and financing, organization of a holistic, complete risk management process, which involves ensuring effective risk management at the corporate level and level of departments.