Riscul in activitatea exploatatiilor agricole

CUPRINS
1. DEFINIREA ŞI TIPOLOGIA RISCULUI ……………………………………..………………...5
      1.1. Noţiunea de risc……………………………………..…………………………………. 5
      1.2.           Risc           şi           incertitudine            în
agricultură……...............................................................
.............6
      1.3.                             Tipuri                             de
risc……….....................................................................
....................................6
      1.4.                                                           Analiza
riscului……….................................................................
....................................9
2.                                                                    RISCUL
ECONOMIC……….................................................................
......................................11
3.                                                                    RISCUL
FINANCIAR………................................................................
.......................................16
      3.1.                                                            Riscul
îndatorării.............……….................................................
...................................16
      3.2.              Riscul              de              credit..........
……..........................................................................
...................18
4.                                                                    RISCUL
COMERCIAL…….................................................................
........................................21
      4.1.                                                       Contractele
comerciale..................................................................
..................................22
      4.2.    Riscul    privind    bonitatea     partenerilor     comerciali
............................................................25
      4.3.   Riscul    privind    negocierea    neurmată    de    încheierea
contractului…..................................26
      4.4.                             Riscul                             de
preţ….......................................................................
........................................26
      4.5.                                                            Riscul
valutar…....................................................................
...........................................28
5.                                 RISCUL                                 DE
FALIMENT…...................................................................
.......................................32
      5.1.        Caracterizarea        riscului         de         faliment
…...........................................................................
..32
      5.2.            Modelul             ”Z”             al             lui
ALTMAN….....................................................................
................34
      5.3.                                                           Modelul
ARGENTI…....................................................................
.................................35
6.                                                                      ALTE
RISCURI……...................................................................
..................................................38
      6.1.                         Riscul                         tehnologic
…...........................................................................
.............................38
      6.2.                             Riscul                             de
personal…...................................................................
.....................................40
      6.3.                                                            Riscul
instituţional…….............................................................
......................................41
7.                                                              MANAGEMENTUL
RISCULUI…...................................................................
...........................42
      7.1.  Criterii  de  decizie  în  condiţii  de  risc  şi  incertitudine
….................................................42
      7.2.               Asocierea               şi               integrarea
…...........................................................................
....................44
      7.3.
Diversificarea……............................................................
..............................................45
      7.4.
Integrarea……................................................................
................................................45
      7.5.
Asigurarea….................................................................
..................................................46
           7.5.1.                                               Asigurările
      agricole…..............................................................
      ........................46
                 7.5.1.1.                                         Asigurarea
           animalelor…......................................................
           .............46
                 7.5.1.2.                                         Asigurarea
           culturilor…….....................................................
           ............48
           7.5.2.       Asigurarea       creditelor        de        export
      …...................................................................49
           7.5.3.               Alte               tipuri                de
      asigurări……............................................................
      .................50
      7.6.          Constituirea          unor          rezerve           de
lichidităţi.................................................................
..........50
      7.7.
Retehnologizarea……..........................................................
...........................................50
CONCLUZII...................................................................
...................................................................53
BIBLIOGRAFIE................................................................
................................................................55