由於現代企業面臨之風險是多變的，許多有關之法令規定已過時，企業組織可用之資源、成本和效益會產生變化，故企業要能適應未來的變局更需落實風險管理。 企業實施風險管理之重要目標，是為了在損失發生前能以節約的原則，減少憂慮，符合外界規定，並善盡社會責任；在損失發生後能生存，繼續營運，維持收益穩定，以求繼續成長等。然而企業往往會多角化擴充經營範疇，甚至在各處實施特定的經營活動，如此其風險管理將更形複雜。 本文擬以風險管理與損害防阻的實務經驗，佐以理論基礎，說明導入風險管理與損害防阻之目標、策略、程序、計畫、績效評核等，期能使各企業認識、衡量風險，藉由選擇並執行最符合經濟效益之風險管理方法，達到企業永續經營的目標。 其次，以個人在集團內執行安全管理系統和損害防阻安全查勘服務計畫的個案，說明企業損害防阻管理意義、風險的確認、分析與評估、損害防阻管理的執行與考核、績效評估等。最後再以身為企業推動風險管理與損害防阻的一份子，檢視以往歷程提出建議，期能拋磚引玉，讓更多的組織、企業和相關人士重視並推動主動式的風險控制及損害防阻管理。 / Since the risks faced by the modern enterprises are changeable, the laws and stipulations are obsolete and outdated, the resources, costs and benefits used by the enterprises organizations are subject to change, and therefore the enterprises have to carry out the risk management in order to be able to adapt the future changes in situations. The major targets for the enterprises to implement the risk management are for the purposes of reducing the anxiety, conforming to the outside stipulations and fulfilling the social responsibilities sincerely before the losses occur; surviving, operating continually, maintaining the incomes and continuing to grow, etc. if the losses should occur. However, the enterprises often run their business diversified and even operate the specific business activities everywhere, that will make their risk management more complex. This article intends to be written in the view of practical experiences to engage in the risk management, loss prevention and control as well as the assists of theory foundations, depicts the implementations of goals, strategies, procedures, plans and performance evaluations, etc. in risk management, loss prevention and control, anticipating various enterprises to identify and measure the risks by means of selecting and executing the risk management methods which conform to the utmost economical benefits for the goals of running businesses continually. Next, in the case where the writer personally carried out the safety management systems and safety survey service plans of loss prevention and control in group enterprises illustrates the meaning of loss control management, the identification, analysis and evaluation of risk, and the implementation, the verification and performance evaluation of loss control management, etc. Finally, as the member of implementing enterprises risk management and loss prevention and control, the writer examines the past working processes and experiences to offer some recommendations, expecting to throw stones and bring back jade to let much more organizations, enterprises and the parties concerned think highly of and enforce the proactive risk control and loss control management.

企業之興衰可概分為導入期、成長期、成熟期、衰退期。本研究發現，台灣地區保全業目前處於「成熟期」。隨著微利時代之來臨，保全之傳統服務業勢必將面臨極大之挑戰，若無長遠規劃及有效興革，日後將被跨國性大保全公司所併購之可能，最後從而步入「衰退期」。因此，保全業必須重視研發與管理，方能因應市場之快速變遷與挑戰。 由於社會大眾對保全業之運作缺乏正確觀念，總以為安排保全後即無須另行安排保險保障，因此時常有保障缺漏之產生。就現況而言，保全業者素質良莠不齊，常因業務競爭而忽視風險管理之重要性，且普遍未能落實損害防阻之工作，造成保全重大事故時有所聞，甚至引發社會各界之非難與抨擊。再者，法令要求保全業必須利用保險以分散風險。然而因為認知上之差距，時常發生理賠責任界定之糾紛，造成消費者不諒解、保險業不願繼續承保之困窘，影響保全業之形象與聲譽甚鉅。 本研究主要探討台灣地區保全業風險管理與保險之相關問題，架構上係以風險管理原理為基礎，輔以實務運作現況，以求有系統地分析保全業經營管理之相關風險，並藉此歸納保全業風險管理之核心原則。其次，本研究亦針對保全業運用產物保險（保全業責任保險、銀行業綜合保險、員工誠實信用保證保險）時所衍生紛爭，以案例研究方式解析其爭議所在，期能界定消費者、保全業、保險業三方之權利義務關係。最後，根據發現與結論，本研究提出若干建議供相關單位參考，期能全面提升保全業風險管理與保險運用之水平。 / In terms of the life cycle, an enterprise may experience the following stages: introduction stage, growth stage, maturity stage and decline stage. It is observed that the security industry in Taiwan is currently situated in the maturity stage. Due to severe market competition and narrow margin of profits, the security industry is forced to meet the magnificent challenge, locally or internationally. Without a long-term planning and efficient reform, it is likely to see many security companies merged by multi-national security companies in the future. Under such a scenario, the security industry in Taiwan will eventually step into the decline stage. Misunderstanding the operation of security industry, many people ignore the necessity of insurance coverage after security protection is arranged. It leads to the leakage in protection and coverage. In practice, many security companies also take less care of risk management and loss prevention due to business competition. In addition, a security company is required to transfer its risks through insurance. Because of the perceptional gap, many claim disputes arise among the security industry, the insurance industry and the clients. Under such circumstances, all of the above have deteriorated the reputation of security industry and result in many criticisms from the general public. The main theme of this research is to explore the issues related to risk management and insurance of the security industry in Taiwan. Based on the fundamental theories of risk management and market practices, the relevant risks are systematically analyzed and core risk management principles for the industry are developed. In addition, it undertakes several case studies to examine the controversial issues of certain insurance products often associated with the security business. It is hoped to clarify these issues and define the rights and obligations among different players. In the final part, the conclusion and recommendation is submitted to relevant institutions to upgrade and enhance the risk management and insurance arrangement of the security industry.