THE CONCEPT OF RISK MANAGEMENT SYSTEM DEVELOPMENT IN MODERN ENVIRONMENT  

Budina Valentina Ivanovna, Candidate of economic sciences, professor, head of sub-department of economics, finance and management, Penza State University, em@pnzgu.ru
Ponukalina Elena Alekseevna, Senior economist, public corporation «Rosselhozbank» (affiliated branch in Penza); postgraduate student, Penza State University, _alo_@mail.ru 

338.45 

The article reads about the problems of diagnostics and risk management in a company, as well as determines the factors of efficiency and risk management system requirements in the enterprises. 

risk-management, ERM, strategy.