Risk Management sebenarnya diperluk

Risk Management sebenarnya diperlukan bukan hanya di dunia perbankan namun dapat juga diterapkan di berbagai aktivitas. Faktor risiko yang dipertimbangkan akan berbeda dari aktivitas yang satu dengan yang lain. Dalam dunia perbankan, hal tersebut sangat menarik untuk disimak mengingat faktor risiko yang terjadi dapat bersumber dari berbagai faktor serta definisi risikonya terbatas menyangkut kepada kerugian yang mungkin timbul di masa mendatang. Dalam hal ini, risk management diperbankan diharapkan dapat mengendalikan risiko-risiko yang mungkin timbul untuk mengurangi kerugian apabila terjadi.
Terdapat pertanyaan: apakah pada saat ini perbankan diIndonesia belum secara utuh menerapkan risk management? Perbankan di Indonesia tentunya sudah melakukan analisis-analisis dan teknik yangberkaitan dengan upaya untuk mengurangi kerugian yang timbul dimasamendatang melalui proses pengelolaan risiko kredit seperti analisis kredit. Kegiatan demikian sudah merupakan salah satu dalam prosespengendalian risiko, sehingga kalau dikatakan bahwa perbankan di Indonesia sama sekali belum menerapkan pengendalian risiko juga tidak sepenuhnya valid. Namun demikian pendekatan dalam pengendalian risiko masih menggunakan teknik dan pendekatan konvensional, sehingga efektivitasnya masih dipertanyakan, belum efektif dan perlu diuji kembali konsistensi penerapannya.
Dengan diterapkannya perhitungan kebutuhan modal minimum yang dihitung berdasarkan risiko secara internasional melalui rekomendasi yang dikeluarkan Basle Committee on Banking Supervision (i.e. Basle Accord 1988), maka perkembangan risk management semakin pesat untuk mengembangkan perhitungan risiko yang lebih akurat ( modelling ). Kondisi demikian didasarkan kepada diperbolehkannya Bank-bank dalam menghitung kebutuhan modal minimum dengan menggunakan internal model khususnya risiko pasar (Amandemen Basle Accord, BIS , 1996), dengan persyaratan-persyaratan tertentu.

Hasil (Inggris) 1:

Risk Management actually required not only in banking but can also be applied in a variety of activities. The risk factors considered would differ from one activity to another. In the world of banking, it is so interesting to be listened to given the risk factors that occur can be sourced from a variety of factors as well as the definition of the risks relating to the limited losses that may arise in the future. In this case, risk management diperbankan is expected to control the risks-risks that may arise to reduce losses in the event.There is a question: is at this time the banking in Indonesia was not yet completely implement risk management? Banking in Indonesia would have doing the analysis-yangberkaitan analysis and techniques in order to reduce the losses that arise dimasamendatang through the process of managing credit risk such as credit analysis. Such activity already was one in prosespengendalian risks, so if it is said that banking in Indonesia at all yet to implement risk control is also not entirely valid. However, the approach in controlling the risk of still using conventional techniques and approaches, so its effectiveness is still questionable, yet effective and need to be tested again the consistency of its application.With applied to the calculation of minimum capital requirements are calculated based on risk internationally through recommendations issued by Basle Committee on Banking Supervision (i.e. Basle Accord of 1988), the development of risk management is increasingly rapidly to develop more accurate risk calculation (modelling). These conditions based on the allowed banks in calculating the minimum capital requirements with the use of internal models in particular market risks (Amendment to the Basle Accord, BIS, 1996), with specific requirements.