无论对公司还是公司本身来说，风险管理都很重要。根据风险管理，既可以规避公司外部的潜在风险，又可以规避公司内部的风险。通过风险管理，不仅可以让经理或公司领导发现有任何机会和项目的公司的弱点，同时，风险管理也可以让管理者了解一个项目的强度是高还是低，如果有公司的项目的任何威胁。一个公司可以随时准备通过计划或制定风险管理策略来解决任何突发事件。为了确保一个项目在一个项目成功之前，他们需要制定一个风险管理策略，那么公司的领导或经理可以识别潜在的风险以避免任何问题。
Whatever to a company or a firm risk management is important. According to do risk management can not only avoid the potential risk from outside of the company but also can avoid risk from inside of company. By risk management it can not only make manager or leader of the company to recognise or identify is there any opportunity and weakness of project of company, at the same time, risk management also can let manager or leader to know the strength of a project is high or low and if there is any threat to company’s project. A company can always prepare to solve any unexpected event by planning or make risk management strategy at first. In order to ensure the successful of a project for a company before a project they need to make risk management strategy then the leader or manager of a company could identify the potential risk to avoid any problem.据作者介绍，由于银行具有不同的潜在风险导致了风险管理策略与风险管理策略不一样。例如，银行可能会从银行的破产帐户中退出（Diamond和Dybvig，1983; Jacklin和Bhattacharya，1988）。这是一个风险管理策略
According to read many financeresearch articles we can find most of companies or firms already had many efficiently risk management strategies, however, there are some deviations between perfect capital markets and banks also have different finance way, therefore, the risk management strategies would cannot be used by banks because they have different potential risks. For example, banks deposits can be withdraw and it may lead to a ‘Bank run’ situation which means that all depositors can go to the bank to withdraw their money at the same time because these depositors are trying to avoid to become the last one in waiting queue then the bank will face a threat of bank runs creates an inherent instability for the bank’s business (Diamond and Dybvig, 1983; Jacklin and Bhattacharya, 1988). Therefore make a risk management strategy for banks is necessary. ..........
Literature review文献综述
The second they had considered was the strategy which was come up with by Jensen and Mecking (1970). Because both theory of Modigiliani and Miller and the risk management strategy of hedging completely are proposal before some situation happened. Under some situation such as, if once debt is in place and the equity could be changed by expropriation debt holders by posted financial decisions. And this strategy is known as asset substitution (Jensen and Meckling, 1976).................
Although there are three situations with three different risk management strategies for firms, as we all know that banks have their own features which are different from other firms. For this reason, before this proposal start to do research we need to identify that what kind of features a bank have by reading from relevant literatures...............
Methodology方法论
Because of the purpose of this research is going to test whether the models which were come up with by Wolfgang and Marc can provide an effective risk management strategy to fit Wolfgang and Marc’s findings or not. Therefore, in order to do research to test if Wolfgang and Marc’s findings are effective or not this research proposal need to use the models which were made by Wolfgang and Marc. .............
References
