Quản trị rủi ro cho siêu thị Co.op Mart

7/31/2019 Qun tr ri ro cho siu th Co.op Mart

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Quan tri rui ro va khung hoang GVHD:Nguyn Th Ngc Phng

PHN M U

Trong thi i hi nhp hin nay, ri ro lun tn ti trong tc c mi lnh

vc kinh t, chnh tr, i sng M cc lnh vc u c ri ro ring ca n.c bit l trong mi trng kinh doanh mua bn th lun tn ti nhiu ri ro

trong vic mua bn v qun l. ch ng trong vic phng trnh v gim

thiu nhng tn tht m ri ro gy ra, chng ti thc hin ti Nhng ri

ro ca siu th Co.op Mart Tin Giang. Trong ti ny chng ti tin hnh

nhn dng cc ri ro m siu th v khch hng g p phi, phn tch v tm

hiu nguyn nhn ti sao li xy ra nhng ri ro trn. T a ra bin php

kim sot gip cho hot ng ca siu th c tt hn.

Do thi gian nghin cu c hn, ngun ti liu hn ch nn kh trnh khi

nhng sai st. Knh mong c v cc bn thng cm. Nhm rt mong nhn

c nhng ng gp kin, nhn xt nh gi bi lm hon thin hn.

Xin chn thnh cm n!

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PHN NI DUNG

I. C S L LUN

1. RI RO

nh ngha: Ri ro l nhng thit hi, mt mt, nguy him hoc cc yu t

lin quan n nguy him kh khn hoc iu khng chc chn c th xy ra

cho con ngi hoc l nhng bt trc c th o lng c.

Phn loi: Ri ro t thm ha, ri ro ti chnh, ri ro tc nghip, ri ro do

mi trng t nhin, ri ro do mi trng vn ha, ri ro do mi trng x

hi, ri ro do mi trng chnh tr, ri do trong mi trng php lut, ri ro

trong mi trng kinh t, ri ro do mi trng hot ng, ri ro do nhn

thc con ngi, theo i tng ri ro v theo nghnh ngh hot ng.

2. QUN TR RI RO

Qun tr ri ro l qu trnh tip cn ri ro mt cch khoa hc, ton din v ch thng nhm nhn dng, kim sot, phng nga v gim thiu nhng tn

tht, mt mt nh hng bt li ca ri ro ng thi tm cch bin ri ro

thnh nhng c hi thnh cng.

Qun tr ri ro gm cc ni dung:

2.1. Nhn dng - phn tch - o lng ri ro

Nhn dng: l qu trnh xc nh lin tc, c h thng cc ri ro trong hot

ng kinh doanh ca t chc. Cng vic ca vic nhn dng ri ro: theo di,

xem xt mi trng hot ng v ton b mi hot ng ca t chc.

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Phn loi tn tht: Tn tht trc tip, tn tht gin tip, tn tht ngun nhn

lc.

Cc phng php nhn din ri ro:

Bng lit k: Lit k tt c nhng tn tht tim nng c th xy ra

thng qua bng cu hi c thit k sn nghin cu v ri ro v tin

hnh iu tra.

Phn tch bo co ti chnh: l phng php thng dng nhng ty

thuc vo mc ch khc nhau ca vic kim sot ri ro.

Phng php lu : L phng php quan trng nhn dng ri ro. Thanh tra hin trng: L cng vic thng xuyn ca cc nh qun

tr ri ro,qua quan st,theo di h s tin hnh phn tch, nh gi... V nhn

dng ri ro.

Phn tch: L xc nh cc nguyn nhn gy ra ri ro, tm bin php phng

nga.

Phng php nhn din ri ro:

Phng php phn tch

Phng php truy li: Ch ra nhiu nguyn nhn ca tai nn nhm

cung cp c s ngn nga tai nn.

Phng php chui ri ro: cung cp mt cu trc phn tch nhm xem

xt mi quan h him ha v tn tht.

o lng: Nhn dng ri ro l bc khi u trong qu trnh nh gi

hay o lng ri ro.

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o lng: o lng ri ro gip cc nh qun tr ri ro c lng hu qu

v mt ti chnh v kh nng xy ra hu qu ny.

Phng php nhn din ri ro:

o lng mc nghim trng ca ri ro: c o bng nhng tn

tht, nguy him, mt mt

o lng tn sut xut hin ri ro: L s ln xy ra tn tht vi t

chc trong mt khong thi gian nht nh.

Thang o mc nh hng:

1 Khng ng k2 t nghim trng3 Trung bnh4 Nhiu5 Nghim trng

V d:

Ri ro 1 2 3 4 5Chy n XMt khch hng X

Thang o kh nng xy ra:

nh gi Xc sut

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Chc chn xy ra C th xy ra nhiu ln trong mt

nmD xy ra C th xy ra mt ln trong nmC th xy ra C th xy ra trong vng 3 nm

Kh xy ra C th xy ra trong 3 n 5 nmHim xy ra C th xy ra trong 7 nm

Sp xp th t u tin:

Khng

ng kt

Trung

bnhNhiu

Nghim

trng

Chc chn xy ra Trung

bnh

Trung

bnhCao Cao

D xy ra

Thp

Trung

bnh

Trung

bnh CaoC th xy ra

ThpTrung

bnh

Trung

bnhCao Cao

Kh xy raThp

Trung

bnh

Trung

bnhCao

Him khi xy raThp Thp

Trung

bnhCao

2.2 Kim sot - phong nga ri ro

- L kim sot ri ro bng nhng k thut, cng c, chin lc Nhm n

trnh, ngn nga, gim thiu tn tht, nhng nh hng khng mong i c

th n vi t chc.

Kh nng xy ra

5

Mc nh hng


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- Phng php kim sot ri ro:

Bin php n trnh ri ro: L n trnh nhng hot ng, nguyn nhn

lm pht sinh tn tht, mt mt c th xy ra. C hai bin php n trnh

l ch ng n trnh t trc khi ri ro xy ra v loi b nhng nguyn

nhn gy ri ro.

Ngn nga tn tht: L s dng cc bin php gim thiu s ln

xut hin cc ri ro hoc gim bt mc thit hi do ri ro mang li.

Gim thiu ri ro: L cc bin php gim thiu nhng thit hi, mt

mt do ri ro mang li.

Chuyn giao ri ro.

a dng ha ri ro: Phn chia ri ro thnh nhiu dng khc nhau v tn

dng s khc bit dng may mn ca ri ro b p cho ri ro khc.

2.3. Ti tr ri ro khi n a xut hin:

- L mt hot ng th ng ch hnh ng sau khi tn tht xut hin, ti tr

ri ro bao gm ri ro cng nh tn tht.

- Cc phng php ti tr:

Lu gi tn tht: L phng php m ngi b ri ro t mnh thanh

ton mi tn tht.hnh thc lu gi bao gm khng bo him v t bo

him.

Chuyn giao ri ro:

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Chuyn giao ri ro bo him: Bo him l mt hnh thc chuyn

giao ti tr ri ro, trong ngi bo him chp nhn gnh vc phn

tn tht ti chnh khi c ri ro xut hin.

Chuyn giao ti tr ri ro phi bo him: chuyn giao kim sot

ri ro v chuyn giao ti tr ri ro.

2.4. Tm cch bin ri ro thnh c hi thnh cng.

II. NHN DNG V PHN TCH NGUYN NHN

1.NHN DNG RI RO

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BNG CU HOI NGHIN CU V CC RI RO TIN HNH

IU TRA:

NH DU X VO M BN CHON

anh gia kha nng xay ra: anh gia mc nghim trng:

5. Him khi xy ra. 1. Khng ang k.

4. Kh xy ra. 2.It nghim trng.

3. Co th xay ra. 3. Trung binh.2. D xay ra. 4. Nhiu.

1. Chc chn xy ra. 5. Nghim trong.

RI ROKh nng xy ra Mc nghim trng1 2 3 4 5 1 2 3 4 5

1.HNG HA

Hng ha ht hn s dng.

Hng ha b h hng.

Tnh trng thiu hng ha

vn cn xy ra.

Hng ha km cht lng.

Gi c cao hn bn ngoi thtrng.

Mt s hng ha khng c

giy chng nhn an ton.

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Sn phm cha a dng vi

s lng cn hn ch.

2.KHCH HNG

Khch hng khng hi lngv dch v ca siu th.

Mt s ngi gy ri lmmt trt t trong siu th.

Mt s khch hng b tai nn

ti siu th.Khch hng khng hi lngv cht lng sn phm.

Gim khch hng.

3.C S VT CHT

H thng n, my iu hakhng hot ng hoc h

hng nhiu.My tnh tin khng hot

ng hoc hot ng khng

chnh xc.

Khu vc gi nh, khng

c nhiu t ng.

Nh xe khng ln, khngc my che.

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Nh v sinh khng phcv cho nhn vin v khchhng.

4.DCH V

Chng trnh khuyn mi

khng hp l.

Phc v ca nhn vin km

chuyn nghi p.

Giao hng chm tr.

Dch v chm sc khchhng cha tt.

Mt s cn b phng ban

thiu nhit tnh trong vic

gii quyt thc mc ca

khch hng.

Th tc phc tp gy nhiu

kh khn cho khch hng.

5.CC RI RO KHC

nh hng ca thi tit,thin

tai(ng t, ma, bo, llt,)Thi gian m ca tr, ng

ca sm.

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Tht thot hng ha do b

trm cp.

Kinh doanh khng c li.

H thng siu th qu ti vonhng ngy l.Trong siu th c th xy ra

chy n.

Tai nn lao ng trong lmvic.

Mt s i th khc cnh

tranh.

2.PHN TCH

Sau khi nhn dng cc ri ro chng ti tin hnh kho st v phn tch cc

ri ro, tm nguyn nhn gy nn cc ri ro. Trn c s tm cc bin

php phng nga.

2.1 HNG HA

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2.1.1 Hng ha ht hn s dng:

Khi hng ha nh p v nhiu bn khng ht hoc mt s hng ha mi mua

v c t trn hng ha c, do s nn n bn di v qun khng

cht tr ln trn v dn n tn ng khng bn c nn b ht hn s

dng. Kh nng rt d xy ra, mc nh hng nhiu v i vi mt s

mt hng n ung th c thi hn s dng tng i ngn.

2.1.2 Hng ha b h hng:

Qu trnh vn chuyn c th lm hng ha h hng, khch hng trc tip

lm hng ha h hng, do cch bo qun khng ng lm hng ha ht hn

trc hn s dng hoc b h hng c kh nng d xy ra, gy nh hng

nhiu n tnh hnh ti chnh ca cng ty.

2.1.3 Tnh trng thiu hng ha vn cn xy ra:

S lng khch hng s tng ng k vo nhng thi gian nht nh trong

nm nhng siu th khng p ng kp thi nhu cu ca khch hng l iu

khng th trnh khi, v nhu cu ca th trng lun thay i ty vo thi

im. Nhng mc nh hng ny cng ch mc trung bnh ch

khng nh hng ln lm.

2.1.4 Hng ha km cht lng:

B phn kim sot khng kim sot cht ch mt s mt hng km chtlng lu thng trong siu th, ri ro ny th rt him khi xy ra, nhng khi

xy ra th mc nh hng rt nghim trng n c th lm nh hng n

danh ting ca siu th.

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2.1.5 Gi c hng ha trong siu th cao hn bn ngoi:

Cht lng hng ha trong siu th do qua kim sot, cng vi thu gi tr

gia tng nn gi mt s mt hng c th cao hn bn ngoi, nhng mc

nh hng th ch mc trung bnh v khch lun lun cn nhng sn phm

cht lng, an ton nn gi c cao hn bn ngoi mt cht cng khng gy

nh hng.

2.1.6 Mt s hng ha khng c giy chng nhn an ton:

Hu ht cc mt hng trong siu th u c giy chng nhn cht lng,

nhng c mt s mt hng thc phm nh rau c qu khng c tem kim

nh lm cho khch hng nghi ng v cht lng sn phm. Nu xy ra th

gy nh hng rt l nghim trng, n s nh hng n sc khe ca ngi

tiu dng, gim khch hng mua sn phm gy nh hng n doanh thu

ca siu th.

2. 1.7 Sn phm cha a dng vi s lng cn hn ch:

Din tch siu th nh he p ch c mt lu, mt trt. Nhng sn phm cao cp

s lng cn hn ch nhng mc nh hng th khng cao.

2.2 KHCH HNG

2.2.1 Khch hng khng hi lng v dch v ca siu th:

Mt s khch hng kh tnh phn nn v nhng dch v ca siu th nh l

giao hng chm, b phn gi khng cn thn c khi ly nhm ca

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khch, thi phc v ca nhn vin th khng c thn thin. y l vic

c th xy ra v i vi nhng khch hng kh tnh th rt hay phn nn v

nhng vic d l rt nh, mc nghim trng nhiu.

2.2.2 Mt s ngi gy ri lm mt trt t trong siu th:

Nhng khch hng kh tnh,qu khch, khng hi lng v cht lng ca sn

phm, ni gin ca cc i th cnh tranh s c tnh gy rc ri cho nhn

vin siu th, nu nh khng bit cch i ph s gy nn tnh trng ci v

v lm mt trt t trong siu th. Tuy nhin ri ro ny rt him khi xy ra,

nhng khi xy ra th nh hng rt nghim trng.

2.2.3 Mt s khch hng b tai nn ti siu th:

Khch hng c th b hng ha trn cao rt trng gy chn thng, tre nh b

thang my cun gy tai nn nghim trng, sn trn lm trt chn Ri ny

kh xy ra v s an ton ca khch hng c siu th quan tm. Nhng nu

xy ra s lm gim bt lng khch n siu th bi h mun c an ton

khi n bt k u.

2.2.4 Khch hng khng hi lng v cht lng sn phm:

Mt s sn phm khi khch hng mua v b li khng s dng c, hay ch

s dng c thi gian ngn, lm mt lng tin ca khch hng v sn phm

ca siu th. Siu th lun t vn cht lng sn phm ln hng u nn

ri ro ny kh xy ra. Nhng nu xy ra th nh hng khng t ti siu th.

2.2.5 Gim khch hng:

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Trn thnh ph m tho c nhiu siu th lun a ra nhiu chng trnh

gim gi, khuyn mi thu ht khch hng t lm gim di lng khch

hng n vi siu th.

3. C S VT CHT

3.3.1 H thng n, my iu ha khng hot ng hoc h hng nhiu:

Do qu trnh hot ng lu di c ngy ln m nn h thng n, my iu

ha s xy ra h hng. Ri ro ny kh xy ra v h thng n, my iu ha

trong siu th lun c kim tra v bo tr nh k. Nu xy ra th cng nh

hng ng k n siu th.

3.3.2 My tnh tin khng hot ng hoc hot ng khng chnh xc:

Trng hp ny rt him xy ra. Nu xy ra th mc nh hng cho

khach hng v siu th rt cao. Gy tht thot tin bc cho khch hng nu

my tnh tin tnh ha n cao hn gi tr hng h a hoc siu th nu my

tnh tin tnh ha n thp hn gi tr hang ha.

3.3.3 Khu vc gi nh, khng c nhiu t ng:

Khu vc gi cho khch hng nh hep, t t ng nn ca khch

phi nhng r bn ngoi d gy mt mt nhm ln ca khch hng.

Nhng ri ro ny cng khng nghim trng lm.

3.3.4 Nh xe khng ln, khng c my che:

Nh xe nh khng ch cho khch hng khi ng khch, khng c my

che s lm h hng xe ca khch khi nng ma, ri ro ny d xy ra nhng

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nh hng khng nhiu v khch hng ch vo mua hng ha trong thi gian

ngn.

3.3.5 Nh v sinh khng phc v cho nhn vin v khch hng:

Nh v sinh nh hep, khng phc v cho nhn vin v khch hng lm

khch hng cm gic kh chu v phn nn.

4. DCH V

4.4.1 Chng trnh khuyn mi khng hp l:

Hng ha b tn kho nhiu, sp ht hn s dng nn siu th khuyn mi

thng xuyn. Do i th cnh tranh a ra nhiu chng trnh khuyn mi

gy nh hng nhiu n siu th. iu ny c th xy ra nu siu th khng

c bin php ci thin li chng trnh khuyn mi. Gy nh hng n uy

tnh ca siu th.

4.4.2 Phc v ca nhn vin km chuyn nghip:

Do s st trong qu trnh tuyn chn nhn vin hoc khi tuyn vo cha o

to ng chuyn mn lm cho i ng nhn vin km chuyn nghip.

4.4.3 Giao hng chm tr:

i khi giao hng chm tr cng c th lm mt khch hng do mt s

nguyn nhn: thiu nhn vin giao hng, nhn vin giao hng gp tai nn

trn ng i hoc do ln ln gia cc ha n. Khch hng trong siu th

thng rt ng nn giao hng tr d xy ra.

4.4.4 Dch v chm sc khch hng cha tt:

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Do khu o to nhn vin cn thiu st, nhn vin cha c o to

bi bn. Nhn vin cha hiu c nhu cu ca khch hng, cha x l tt

cc vn phc v khch hng lm khch hng khng hi lng. Vn ny

kh xy ra v khu chm sc khch hng c t trn hng u. Nn nhhng nhiu ti hot ng ca siu th.

4.4.5 Mt s cn b phng ban thiu nhit tnh trong vic gii quyt thc

mc ca khch hng:

Khi khch hng thc mc mt s vn nh ng k thnh vin vip, khch

hng thn thit th mt s cn b phng ban t ra thiu nhit tnh trong giip thc mc cho khch hng.

4.4.6 Th tc phc tp gy nhiu kh khn cho khch hng:

S lng khch hng mun tr thnh thnh vin thn thin hay thnh vin

vip t, th tc cng c hng dn c th nn ri ro ny kh xy ra.

5. CC RI RO KHC

5.5.1 nh hng ca thi tit, thin tai( ng t, ma, bo, l lt,):

Siu th c th ch ng n trnh khng b nh hng nhiu. Ma bo

xy ra hng nm nn ri ro ny chc chn xy ra.

5.5.2 Thi gian m ca tr:

Thi gian m ca tr l tnh trng hay xy ra ca siu th dn n tnh trng

mt khch hng v a s nhng b ni tr hay i ch sm.

5.5.3 Tht thot hng ha do b trm, cp:

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Ke xu li dng nhng s h ca siu th trm cp hng ha hoc do

chnh nhn vin ca siu th cng c th nh cp hng ha. Gy nh hng

nghim trng n kt qu kinh doanh ca siu th.

5.5.4 Kinh doanh khng c li:

Do chi ph tng (in, nc, vn ti,), lng quy nh ca nhn vin tng,

lng khch hng gim st, mt s mt hng khng bn c Ri ro ny

him khi xy ra nhng khi xy ra th khng kim sot c, nh hng rt

nghim trng.

5.5.5 H thng siu th qu ti vo nhng ngy l:

Vit Nam c hn 5 ngy l ln, trong c cc ky ngh l di nh Tt

Nguyn n, 30/4 1/5, ky nim sinh nht ca siu th cng cc ky khuyn

mi nh ky Nn vic qu ti vo nhng ngy l l khng th trnh khi.

5.5.6 Trong siu th c th xy ra chy n:

Siu th khng c nhiu phng d gy chy n, bn cnh siu th lun ch

trng vn phng chng chy n nn kh nng ny him xy ra. Nhng

nu xy ra gy thit hi rt ln v ti sn, thm ch thit hi v ngi cho

nn tn tht l nghim trng.

5.5.7 Tai nn lao ng trong lm vic:

Cc trng hp c th xy ra tai nn lao ng nh nhn vin quy ti sng

c th b thng trong khi ang ct tht, c cho khch hng, cc quy hng

thy tinh, chn s, hng ha nng, sc cht qu cao c th lm b thng

nhn vin v khch hng, b bng do bt cn trong khu m thc. Kh nng

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ny d xy ra v vy mi ngi phi cn thn trong qu trnh lm vic hn

ch mc thp nht thit hi v ngi v ti sn.

5.5.8 Mt s i th cnh tranh khc:

Do M Tho tr thnh th loi II nn tr thnh m t th trng mu

m v y tim nng cho cc doanh nghip, i th hin ti ca Co.op Mart

l siu th Vinatex, cc ch trong ln nh trong thnh ph, chui ca hng

bch ha tng hp, sp ti l siu th Metro.

III. O LNG RI RO

BNG NH GI KH NNG XY RA

nh gi kh nng xy ra:

1. Chc chn xy ra

2. D xy ra

3. C th xy ra

4. Kh xy ra

5. Him khi xy ra

RI RO

Chc

Chn

Xy

Ra

D

Xy

Ra

C

Th

Xy

Ra

Kh

Xy

Ra

Him

Khi

xy

Ra

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1. HNG HA

1.1Hng ha ht hn s dng. X

1.2 Hng ha b h hng. X

1.3 Tnh trng thiu hng vn cn

xy ra.

X

1.4 Hng ha km cht lng. X

1.5 Gi c cao hn bn ngoi thtrng.

X

1.6 Mt s hng ha khng c giy

chng nhn an ton.

X

1.7 Sn phm cha a dng vi s

lng cn hn ch.

X

2. KHCH HNG

2.1 Khch hng khng hi lng v

dch v ca siu th.

X

2.2 Mt s ngi gy ri lm mt

trt t trong siu th.

X

2.3 Mt s khch hng b tai nn tisiu th.

X

2.4 Khch hng khng hi lng v

cht lng sn phm.

X

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2.5 Gim khch hng. X

3. C S VT CHT

3.1 H thng n, my iu ha

khng hot ng hoc h hng nhiu

X

3.2 My tnh tin khng hot ng

hoc hot ng khng chnh xc.

X

3.3 Khu vc gi nh, khng c

nhiu t ng.

X

3.4 Nh xe khng ln, khng c

my che.

X

3.5 Nh v sinh khng phc v

cho nhn vin v khch hng.

X

4. DCH V

4.1 Chng trnh khuyn mi khng

hp l.

X

4.2 Phc v ca nhn vin km

chuyn nghip.

X

4.3 Giao hng chm tr. X

4.4 Dch v chm sc khch hng

cha tt.

X

4.5 Mt s cn b phng ban thiu

nhit tnh trong vic gii quyt thc

mc ca khch hng.

X

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4.6 Th tc phc tp gy nhiu kh

khn cho khch hng.

X

5. CC RI RO KHC

5.1 nh hng ca thi tit, thin tai(ng t, ma bo, l lt,)

X

5.2 Thi gian m ca tr. X

5.3 Tht thot hng ha do b trm

cp.

X

5.4 Kinh doanh khng c li. X

5.5 H thng siu th qu ti vonhng ngy l.

X

5.6 Trong siu th c th xy ra chy

n.

X

5.7 Tai nn lao ng trong lm vic. X

5.8 Mt s i th cnh tranh khc. X

BNG NH GI MC NGHIM TRONG

nh gi mc nghim trng:

1. Khng ng k.

2.t nghim trng.

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3. Trung bnh.

4. Nhiu.

5. Nghim trng

RI RO

Khng

ng

k

t

nghim

trng

Trung

bnh

Nhiu Nghim

trng

1. HNG HA

1.1Hng ha ht hn s dng. X

1.2 Hng ha b h hng. X

1.3 Tnh trng thiu hng vn

cn xy ra.

X

1.4 Hng ha km cht lng. X

1.5 Gi c cao hn bn ngoi

th trng.

X

1.6 Mt s hng ha khng c

giy chng nhn an ton.

X

1.7 Sn phm cha a dng

vi s lng cn hn ch.

X

2. KHCH HNG

2.1 Khch hng khng hi

lng v dch v ca siu th.

X

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2.2 Mt s ngi gy ri lm

mt trt t trong siu th.

X

2.3 Mt s khch hng b tai

nn ti siu th.

X

2.4 Khch hng khng hi

lng v cht lng sn phm.

X

2.5 Gim khch hng. X

3. C S VT CHT

3.1 H thng n, my iu

ha khng hot ng hoc h

hng nhiu.

X

3.2 My tnh tin khng hot

ng hoc hot ng khng

chnh xc.

X

3.3 Khu vc gi nh,

khng c nhiu t ng.

X

3.4 Nh xe khng ln,

khng c my che.

X

3.5 Nh v sinh khng phc

v cho nhn vin v khch

hng.

X

4. DCH V

4.1 Chng trnh khuyn mi

khng hp l.

X

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4.2 Phc v ca nhn vin

km chuyn nghip.

X

4.3 Giao hng chm tr. X

4.4 Dch v chm sc khch

hng cha tt.

X

4.5 Mt s cn b phng ban

thiu nhit tnh trong vic gii

quyt thc mc ca khch

hng.

X

4.6 Th tc phc tp gy nhiu

kh khn cho khch hng.

X

5. CC RI RO KHC

5.1 nh hng ca thi tit,

thin tai (ng t, ma bo,

l lt,

X

5.2 Thi gian m ca tr. X

5.3 Tht thot hng ha do b

trm cp.

X

5.4 Kinh doanh khng c li. X

5.5 H thng siu th qu ti

vo nhng ngy l.

X

5.6 Trong siu th c th xy

ra chy n.

X

5.7 Tai nn lao ng trong lm

vic.

X

5.8 Mt s i th cnh tranh

khc.

X

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BNG SP XP TH T U TIN

MXR

KNXR

Khng

ng k

t nghim

trng

Trung binh Nhiu Nghim

trng

Chc chn

xy ra

5.2 5.3 5.1

5.8

D xy ra 3.5 3.3

3.4

1.7

4.3

1.1

1.2

5.5C th xy

ra

4.1 1.3

1.5

2.1

2.5

4.2

4.5

2.4

Kho xay

ra

3.1 4.4 1.4

1.6

2.3

5.4

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5.7

Him xay

ra

4.6 2.2 3.2

5.6

IV. KIM SOT RI RO

u tin giai quyt cac vn rui ro cao, anh hng nhiu n siu thi:

Nghin cu nhu cu ca khch hng nhp s lng hng ha cho ph

hp. Cn sp xp li nhng hng ha mi nh p v nhp trc. C k hoch

v d tr hng tn kho, cn kim tra theo nh ky xem xt loi b nhng

mt hng ht hn s dng hoc gn ht hn s dng. Phn loi hng theo l,

theo thi gian d dng kim sot v qun l.

Nn phn loi nhng hng ha d b h hng, nhng ni trnh dch

chuyn va chm, i vi mt s mt hng nh m phm nn c mu th cho

khch hng, ghi ch cc mt hng d h hng khch hng thn trng hn

khi tip xc.

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1.4 Cn c k hoch kim sot cht ch hn khng nhng mt hng

km cht lng lt vo siu th,loi b ngay nhng mt hng km

cht lng.

1.6 Siu th nn lin kt vi cc nh cung ng sn xut rau an ton,lin

kt vi cc c quan kim nh xc nhn sn phm an ton cht lng cao.

ng thi dn cc giy kim nh ngay tai quy thc phm khch hng

tin tng v an tm hn v cht lng sn phm.

2.1 Siu th nn o to mt i ng nhn vin chuyn nghi p c thi

phc v khch hng tt hn,gi thip chc mng vo nhng dp l tt ivi khch hng l thnh vin,VIP ca siu th.

2.2 o to i ng bo v chuyn nghip ,kim sot kp th i mi tnh

hung.c b phn t vn,gii p thc mc ca khch hng v i hng

trong thi gian quy nh km theo ha n nu sn phm c vn v cht

lng do li ca nh sn xut.

2.3 Cn dn cc bng ch nhng khu vc c hng ha cht cao khch

hng c th phng trnh, tre nh khng c i thang my nu i phi c

ngi ln i km.

2.4 Siu th la chn cc nh cung cp ng tin cy, sn phm cht lng

cao gi uy tn v nim tin ca khch hng, khi c sn phm b li s tin

hnh bo hnh hoc i sn phm khc cho khch hng.

2.5 Cn theo di cc chng trnh khuyn mi ca cc i th cnh tranh

a ra cc chng trnh khuyn mi ko khch hng v vi siu th.

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3.2 Thng xuyn kim tra cc my tnh tin v phn mm tnh tin, thay

th cc my tnh h hng. Nu c sai st hay h hng g th chnh sa li

kp thi khng gy thit hi cho siu th v khch hng.

4.2 Tuyn chn k ngun nhn s u vo, c chng trnh o to hp l

to ra i ng nhn vin chuyn nghip.

4.3 Kim tra n hng v a ch khch hng trc khi giao bo m y

hng ha v ng a ch.

4.4 o to i ng nhn vin bi bn, chuyn nghip hoc tuyn chn

nhng ngi c kinh nghim ngay t khu tuyn chn.

4.5 Khch hng c thc mc th nn lin h trc tip vi cc phng ban c

lin quan c gii quyt. Trnh xy ra tnh trng ny. Ring cn b ti

cc phng ban c thi n cn tn tnh gip khch hng gii quyt cc

vng mc. C hng dn k khch hng s nm vng v khng cn hi i

hi li nhiu ln gy kh chu cho cn b v cho c khch hng. Su xa hn,

cn c quy nh c th phng ban no s ph trch mt lnh vc, trnh gim

p trng lp cng vic, ng y trc nhim cho nhau khin khch hng

khng bit nn hi phng ban no dc gii p.

5.1 Thng xuyn tu sa, ci thin cht lng ca h thng siu th nhm

trnh c cc ri ro thi tit, thin tai.

5.3 Lp t li h thng camera hoc b tr ti cc quy hng u c nhn

vin canh gi, nhm qun l tt hng ha ng thi c th t vn kp thi

cho khch hng

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5.4 Tm hiu r nguyn nhn lm cho tnh hnh kinh doanh ca siu th

khng c li. Nu do nguyn nhn lng khch hng gim l do i th cnh

tranh hay nhng nguyn nhn khch qua khc (chi ph tiu dng tng) th

siu th cn cc bin php li ko nh gim gi cc nhu yu phm, khuynmi Nu do lng quy nh ca nhn vin tng th tm cch ct gim

nhng chi ph khng cn thit nh thit b chiu sng vo ban ngy, h

thng m thanh, tng lng qut thay cho my lnh

5.5 Tuyn thm nhn vin thu ngn, bo v, nhn vin giao nhn thi v

nhm gii quyt nhu cu cao trong nhng ngy ny

5.6 Siu th cn ch ng tng cng cc bin php phng chy cha chy.

Hn ch thit hi do chy n: khi chy n xy ra c th thc hin cc bin

php s tn hn ch tn tht hoc c th dng bo him hoc cc khon

t bo him ca siu th ti tr tn tht, cng c th nh vo khon tr

cp t nh nc ti tr cho siu th khc phc hu qu do chy n xy ra.

5.7 Mua bo him tai nn cho nhn vin, tp hun cho nhn vin v cc tnhhung nguy him nhn vin ch ng phng trnh.

5.8 Gi c v cht lng phc v l yu t quyt nh s thnh cng ca siu

th, khch hng s tm n nhng ni c cht lng phc v tt v gi c

phi chng v th, mun cnh tranh vi cc ni ni trn, ngoi cht lng

sn phm th Co.op Mart cn quan tm n chin lc xy dng gi v o

to i ng nhn vin thn thin vi khch hng.

Nhng rui ro th t trung binh:

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1.3 Nghin cu nhu cu ca khch hng c k hoch d tr hng ha

nhm phc v nhu cu ca khch hng.

1.7 Cn m rng thm din tch, nhp thm nhiu mt hng vi nhiu mc

gi khc nhau phc v tt c mi i tng khch hng.

3.1 Thng xuyn kim tra, bo dng nh ky cc thit b c bin php

sa cha kp thi.

3.3 Nn b tr thm nhiu t ng phc v cho khch hng ngay c

nhng lc ng khch nht.

3.4 M rng nh xe,xy dng thm nhiu my che phc v ch xe cho

tc c khch hng.

3.5 B tr xy dng nh v sinh ring cho nhn vin v khch hng, xy nh

v sinh mi tng tin vic i li cho khch hng.

4.1 Siu th cn iu tra v kim sot cht che lng hng ha a ra ccchng trnh khuyn mi hp l hn trnh lm mt lng tin ca khch

hng.

4.3 Tuyn thm nhn vin giao hng, o to nghip v giao hng cho nhn

vin, hn ch nhng tai nn c th xy ra. Kim tra k cc ha n ca khch

hng.

4.6 Khch hng cn tm hiu k cc quy nh v cc th tc lm ng

ngay t u. Phi theo di k cc thng bo v thi gian np n,cng nh

th thc ca mu n, trnh tn thi gian v cng sc do lm sai hay n p

qu hn.

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5.2 Qun l cht ch thi gian ng m ca v yu cu cc nhn vin chp

hnh ng nu sai phm s c nhng bin php x l thch ng.

V. TI TR

i vi cc ri ro kh kim sot c th phi s dng phng php ti tr

gim thiu tn tht do ri ro gy ra. Sau y l cc ri ro cn ti tr:

1.2 Hng ha b h hng: Trong qu trnh vn chuyn nu hng ha b tn

tht hoc h hi c th yu cu pha bo him bi thng mt phn thit hi

cho hng ha b tn tht.

1.5 Gi c cao hn bn ngoi th trng: c th tm cc ngun khc nhau

cht lng hng ha vn m bo m gi c ph hp vi ngi tiu dng.

2.3 Mt s khch hng b tai nn ti siu th: khch hng c th t mua bo

him.

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5.6 Trong siu th c th xy ra chy n: c th chuyn giao bng cch mua

bo him, hoc lu tr nh vo cc qu d phng ca siu th, khon ti tr

t cc n v, t chc c nhn t thin khc.

5.7 Tai nn lao ng trong lm vic: chng ta c th chuyn giao ri ro cho

cng ty bo him.

PHN KT LUN

Ri ro c nhiu loi, ri ro c th xut hin mi lc mi ni, c th n vibt ky ai, bt ky t chc no. Do , d phng b k n u, d kim sot

ri ro cht ch th cng ch gim thiu, ngn ch n mt phn m khng th

hon ton n trnh cng nh ngn chn mi tn tht, khng th n trnh,

trit tiu nhng hu qu. Nhng ri ro s khng tht s nghim trng nu

nh chng ta bit cch phng nga v ngn chn. T cc phn tch trn,

chng ti mong rng s gip ch cho siu th Co.op Mart M Tho v nhng

ri ro m siu th c th i mt, t xut cc bin php kim sot

gip siu th c th ch ng n trnh, phng nga v hn ch n mc thp

nht nhng hu qu do cc ri ro ny gy ra.

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Trong ti ny, chng ti ch lit k mt s ri ro, trong thc t cn c th

g p nhng ri ro khc nh vy, tng c nhn trong siu th cn phi nhn

thc c nhng ri ro c th xy n vi mnh kp thi c nhng bin

php x l thch hp khng nh hng n hot ng ca siu th cngnh gip siu th hot ng c hiu qu. Bn cnh , khch hng v cc t

chc cng cn phi hp, h tr trong vic kim sot ri ro bng nhng hot

ng c th. Trong thi gian qua, khch hng v cc t chc h tr rt

nhiu trong vic gim thiu ri ro xung ng k. Tuy vy, cng khng nn

ch quan m b qua cc hn ch trong qun tr r i ro, phi bit rt kinh

nghim t gii quyt cc ri ro mt cch tt nht to s an tm cho

mi ngi khi lm vic, mua sm ti y.

TAI LIU THAM KHO

1. www.tailieu.vn

2. + Quan tri ri ro v khng hong PGS.TS. on Th Hng Vn, NXB

Lao ng-x hi.

+ Bi ging Qun tr ri ro ca Trng i hc Nng Lm, thng

1/2007.

+ PGS.TS Nguyn Quang Thu, Qun tr ri ro v Bo him trong

doanh nghi p, NXB Thng K-2008.

+ Qun l khng hong, Nh Xut bn tng hp Tp.HCM, cm nang

kinh doanh
http://www.tailieu.vn/http://www.tailieu.vn/

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