essay格式：论风险感知与新风险保险的关系
另一个例子可以在这里引用瑞士再保险公司，该组织已经察觉到许多新出现的风险，为公司提供这些尚未到来的风险和保险。有了对这些新出现的风险的感知能力，公司甚至在这些风险发生之前就已经设法制定了减轻这些风险的策略(McNeil et al.， 2015)。此外，该公司已经能够优先考虑这些新出现的风险，进一步加强了对这些风险的保险。该组织开发了一个框架来感知风险，它被称为与风险相关的概念的系统观察(声纳)。该框架是组织范围内的设计，用于沟通和管理正在出现的风险。该框架嵌入到集团的风险管理组织中。
SONAR框架使组织能够通过感知、评估感知风险并及时报告可能出现的感知风险，从而识别风险，并将其作为决策中的因素(Sargeant et al.， 2016)。这个过程包括两个主要步骤。最初，采用了具有交互性的内部网平台，使工作人员能够在合并风险的所有主要领域内轻松快速地讨论和共享风险的概念，以便及时了解最新的开发情况。其次，新兴风险专家及时聚类，进一步评估风险概念，研究其对企业的潜在影响。
essay格式 ：论风险感知与新风险保险的关系
瑞士再保险集团认为，这些新出现的风险要么正在变化，要么正在发展，难以量化，可能对任何公司或行业产生潜在影响。由于这些风险对集团业务本身的影响具有巨大的潜在影响，因此对这些风险进行调查并将其定义为新兴风险。
风险景观演变的关键驱动力包括经济、技术、社会政治和环境领域的新发展，以及风险本身之间日益增强的相互依赖性，这可能导致风险积累不断增加(Wachinger et al.， 2013)。此外，需要考虑企业环境中发生的变化:监管和责任制度的不断演变、利益相关者的预期不断增强以及风险观念的转变。关键在于减少不确定性，从而帮助降低组织结果的波动性。
essay格式 ：论风险感知与新风险保险的关系
Another example can be quoted here of Swiss Re, this organization has perceived many emerging risks offering the company and insurance over these risks that are yet to come. With the ability of perceiving these emerging risks, the company has managed to formulate strategies to mitigate these risks even before their occurrence (McNeil et al., 2015). Moreover, the company has been able to prioritize these emerging risks, further strengthening the insurance over it. This organization has developed a framework to perceive the risks, and it is referred as systematic observation of notions that are associated with the risk (SONAR). This framework is organization wide design in order to communicate the risks which are emerging and manage them. This framework is embedded within the risk management organization of the group.
The framework of SONAR enables the organization to identify the risks through perceiving, assessing the perceived risks and reporting the perceived risks that might emerge in a timely fashion to further consider them as factor within their decisions (Sargeant et al., 2016). This process includes two primary steps. Initially, the intranet platform of interactive nature is employed that enabled the workforce to discuss and share the notions of risk over all primary area of the landscape of merging risk in easy and quick way for staying up to date on the latest developments. Secondly, the specialists of emerging risk timely clusters and assess the notions of risk further to study the potential of the impact they will have over businesses.
essay格式 ：论风险感知与新风险保险的关系
The emerging risks are perceived by the group of Swiss Re as risks which are either changing or recently developing that are difficult to be quantified and that might possess a potential impact over any company or sector. These risks are investigated and perceived to define them as emerging risks due to the substantial potentiality of the impact they hold on the group’s business itself.
The key drivers of the evolving landscape of risk involves new developments in areas of economy, technology, socio-politics and environment along with increasing interdependence among the risks itself that can result to growing risk accumulation (Wachinger et al., 2013). Moreover, the changes that take place within the environment of the business are to be considered: continuous evolution of regulatory and liability regimes and strengthening expectations of the stakeholder along and shift in the perception of risk. The key lies in reduction of the uncertainty and therefore assisting in volatility diminishment of organizational results.
