“ risk management ” consists of the identification and control of risks ( either downward or upward ) in order to maximize the likelihood that actual outcomes will meet or exceed expected outcomes 风险管理就是经济单位和个人在对风险进行识别、预测、评价的基础上，优化各种风险处理技术，以一定的风险成本达到有效控制和处理风险的过程。
