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2021 yılındaki olası risklerin yönetimi

Önemsenmeyen bir konu olan, risk yönetimi şirketler için hayati öneme sahiptir. Riskleri tahmin edebilmek için yöntemler geliştirip, yönetebiliyorsanız şirketinizin geleceğini teminat altına almışsınızdır.

Risk tahmini güç konuların bütünü olarak adlandırılabilir. Pandemi sürecinde yeni normalin ve belirsizliklerin arttığı dönemde 2021’i karşılayacağız.

Yeni normal ekonomiden toplumsal olaylara, üretimden alışverişe, çalışma kültüründen sosyal faaliyetlere aktif olarak yer almış ve insanları derinden etkilemiştir.

Bu risklerin kaynakları pek çoktur. Bu risklerin 2021 yılı için önemli olanlarını kısaca derledik.

Döviz dalgalanmaları ile ilgili riskler, ekonomik kriz riskleri, pandemi süreçlerine bağlı riskler, işsizlik riskleri, faiz dalgalanmaları ile ilgili riskler, nakit bulunmaması ile ilgili riskler vb. riskler şirketlerin iflas etmelerine neden olabilir.

Peki, riskleri nasıl yöneteceğiz, riski tanımlama ve riske karşılık verme olarak isimlendireceğimiz yöntemler en önemli kavramlardandır.

Döviz dalgalanmaları için en az bir yıllık tahsilat ve ödeme projeksiyonu belirlemek gerekiyor. TL/döviz değişimleri üzerinde tarihsel bazda çalışmalar yapılmalıdır. Tarihlere göre yapacağımız projeksiyonda neler olması gerektiğini tek tek analiz ederek üzerinde durmalıyız.

  • Ülke bazlı risklerden olan, ekonomik krizlere karşı şirkette yedek sermaye dediğimiz yedek akçe müessesini güçlü bir şekilde yapılandırmalıyız. Şirketimizde periyodik toplantılar yapmalı ve bu toplantılarda mutlaka danışmanların bulunmasını sağlamalıyız. Şirketimizin kurumsal yapısının güçlendirilmesi için ciddi çalışmalar yapmalıyız.

 

  • Pandemi süreçlerine bağlı risklerden olan ürün zincirinin bozulmaması konusunda stok seviyelerinin tekrar kontrol edilmesi için çalışmalar yapılmalıdır. Çalışanların sağlıklı bir ortamda bulunmalarının sağlanması için yönetim kararlarının uygulanmasının kontrol edilmesi ve iyileştirme çalışmalarına önem vermeliyiz.

 

  • İşsizlik riskleri, daha çok nitelikli iş gücü olarak karşımıza çıkacaktır. Dijitalleşmenin arttığı bu yılda çalışanların dijital ve robotik uygulamalara adapte olmasının sağlanması için yoğun bir eğitim sürecinden geçirilmesi gerekmektedir. Ayrıca periyodik eğitimlerinin takip edilmesi de önem kazanacaktır.

 

  • Faiz dalgalanmalarına ilişkin riskler, üretimin aksaması nedeniyle mal ve hizmetlerin fiyatlarındaki ani değişimler aynı zamanda faiz oranlarına da etki yapmaktadır. Doğrudan etkilenmeyen mal ve hizmetler dahi faiz oranlarının artmasıyla her ürünün fiyatını dolaylı etkilemektedir. Burada da yapılması gereken işletmenin yeni normal deki nakit ihtiyacının tespit edilmesi önem kazanmaktadır.

 

  • Nakit bulunmaması ile ilgili riskler, şirketlerin en önemli iflas risklerinden biri olan nakit yönetimi yeni normalin önemli kritik risklerinden biri olmaya devam edecektir. Gerek piyasadaki nakit oranlarındaki düşüşler, gerek tahsilat güçlükleri nedeniyle nakit sorunu daha da artacaktır. Burada vadelerin kontrolü, vade yapısının gözden geçirilmesi, tedarikçi finansmanı gibi konuları kontrol etmek yerinde olacaktır.

 

Özetle, şirketler birçok nedenden iflas eder. Ancak en önemli iflas etme nedeni olarak riski tanımlamak ve riske karşılık verilemediği için şirketler iflas ederler.

 

Mehmet Emin TATLI

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