المدخل التقليدي و المدخل الحديث في إدارة مخاطر منظمات الأعمال

الملخص EN

This paper aims at emphasizing that the contemparary environment is complex and filled with both new and old risks.Consequently,business organizations had to be insuficient with only the insurance products to cover the various risks , they needed also to rely on the administration of contemporary risks, and to choose the appropiate policies and methods depending on the type of the risk and its nature.

Accordingly, the inquiry was about the meaning of the traditional management approach ( insurable ) and the modern management approach (systematic ) concerning risk management in business organizations , and which method is better in a changing environment ? To answer these questions, we divide this paper into three chapters , the first chapter consists the general framework of the risk: definition, principles, concepts related to the subject of risk and the various divisions of the risk.

the second chapter is the definition of risk management , its objectives and the main concepts overlapping with it.

It embodies also, the director of risk and a brief review of the different steps of the process of risk management .In the third chapter, we point out the differentclassifications of risk at the level of business organizations.

Then, we focus the study on the role of the insurance and the systematic appraoches and the comparison between them, concerning risk management incurred in business organizations.

AS a conclusion we review some results and recommendations that are important and essential for a good risk management.