?erbãnescu Iuliu Cosmin - In: Ovidius University Annals, Economic Sciences Series XIII (2013) 1, pp. 1505-1508
ERM (Enterprise Risk Management) should be considered a solution to the inherent problems within the undertakings. Without deceiving, it really stands for an optimization and replacement of insurance contracts, as a method of potential risk transfer. The way a manager deals with these realities...