Ingcamango umngcipheko, yokuhlela lomngcipheko kunye nolawulo

Imarike namhlanje kukho kusoloko kukho imfuneko ukuvavanya ngeengozi kulawulo olusebenzayo, human resources eziphathekayo, ukuze kuncitshiswe ukulahleka ezibangelwa ngabo, yaye imbuyekezo lweziqhamo zabo ezimbi.

Ingcamango umngcipheko ziquka yokungaqiniseki into esekelwe izizathu ezithathu ezibalulekileyo. Oku - ngokungazi, ukuqondana kunye nenkcaso. Ngoko, ukungaqiniseki iphambili ngokupheleleyo isizathu esivakalayo sokuba ukuvela naluphi na uhlobo umngcipheko.

Umngcipheko - amathuba ethile isahlakalo zizinto ezimbi, ngenxa apho ayafumaneka ilahleko eziphathekayo (ilahleko imali, impahla, njalo njalo) kunye emzimbeni. Le ilahleko elifutshane elide impilo, ngokomzimba nasengqondweni, njl

Emngciphekweni nawuphi na umsebenzi zabantu. Risk iqulethe ezinye izinto adlulisela umongo osisiseko yayo: ukukwazi ukufezekisa injongo, amathuba zokutenxa kuyo, amathuba senzuzo ilahleko ezahlukeneyo ngenxa kwiimpembelelo ezingentle ngaphandle kunye nezo ziphuma ngaphakathi. Umzekelo kukuvela kweemeko umngcipheko angaba imiba amandla majeure. Oku zidale iingozi (kokusingqongileyo iingozi), kunye zivelisiwe. Ukuhlelwa Risk kubaluleke kakhulu ukuba izigqibo zolawulo, kuba ingxaki ukubonakala kwazo nokuziphatha maloissledovanna. Kodwa kwihlabathi lethu nkqi-ukutshintsha nokubonelela ngqo ukubala ifuthe ubungozi kwiinkqubo zoshishino kunye nokulahlekelwa a kakhulu, kunzima kakhulu kunokwenzeka.

Ukuhlelwa Risk wohlulwe iintlobo ezahlukeneyo bubunjani ngeengozi gwenxa kwimigangatho eyahlukeneyo ubukho babo, yomthombo, ubukhulu umonakalo kunokwenzeka, uhlobo impawu zethutyana, ngesidanga inshorensi kunokwenzeka wokuyenza kwi oluqukuqelayo kunye nexesha izibonisi, njl

Ngu uhlobo ingozi isityholo yokuhlelwa lomngcipheko yahlulwe iintlobo ezahlukeneyo. Kuyinto eyenziwe ngumntu, zendalo kunye nobungozi ezidibeneyo.

Ngokutsho kwiindawo zabo ukwenza izinto umngcipheko lungohlulwa lube: zokusingqongileyo, yezopolitiko, yezentlalo, ezoqoqosho kunye nobungcali.

On nemithombo imingcipheko kunokwenzeka yahlulwe: lwangaphandle (emarikeni) kunye nabantu abangaphakathi (ezithile) ukuba njalo ezahlukeneyo ingenzeka.

Kubungakanani umonakalo kunokwenzeka kunye nemingcipheko ilahleko yemali ebonakalayo yahlulwe: kwezoqoqosho, apho ithuba nelahleko ebonakalayo yekhapitali, umngcipheko ngohlobo yokulahlekelwa inzuzo , njl

Ngelo xesha, ezi iingozi yahlulwe nokuba abakumanqanaba ezibalulekileyo. Iingozi lube nokwamkeleka kakuhle, ukugxeka kunye ezibangele

Ukuba kunokwenzeka, uqikelelo, kunye ne-inshorensi, izinto umngcipheko frequency zahlulwe zibe enokuxelwa kwangaphambili kwaye iyingozi inshorensi kunye deductibles, aphezulu, aphakathi kunye nezincinane.

Ngexesha ngokubonakala ubungozi inokuba ngaba kungokusisigxina okanye ngokungesosigxina.

Kodwa, naphezu kwayo yonke le nto, ezinye iintlobo iingozi ilawuleke kwaye kubalulekile ukufunda kubo, ukuba baphonononge kwaye uzame ukuqikelela, ukuba usebenzise zonke iindlela lula ukuphelisa esi amathuba kukuvela iziphumo ezibi. Ukuhlelwa Risk yenza umsebenzi wokuphonononga eneenkcukacha kunye nokufunda ukuze ubone ngokubhekele phaya. ulawulo lomngcipheko kufuneka, ngaphezu kwabo bonke, afanelekileyo kwaye wacinga kakuhle, njengoko ubomi maphu maxa wambi ubomi ngokwendalo womntu. Oku kunye nezimali, kunye nemisebenzi, kunye nentlalo-ntle ngokweemvakalelo, njalo-njalo Nokuncipha kwabo nga kakubi kakhulu kuchaphazela zombini usomashishini kunye nentsapho yakhe. Ngapha koko, phantse akukho mntu namhlanje kuluntu abanako ukuphila njengomntu. ulawulo lomngcipheko kubonakaliswe ukwamkelwa iindlela ezithile zokwenza ushishino. Ngu iindlela zolawulo lomngcipheko, iimeko ezinzima ezahlukeneyo olupheleleyo yaye balindele, lo mgaqo-nkqubo usebenza ukwamkelwa zokunciphisa ubungozi-inshorensi yayo, ukohlulwa kunye kokulinganisela ubungakanani wo yingisela. Ngoko ke, ngokubonelela iimeko kunokwenzeka eyingozi, abarhwebi bazame ukuphepha naliphi na ifuthe elingancomekiyo ishishini labo ngokohlobo yimali kunye amatyala, nto leyo ebaluleke kakhulu. Ngapha koko, injongo ephambili yoshishino - ukukhuliswa nzuzo.