FEATURES OF RISKS CLASSIFICATION AND METHODS OF THEIR ASSESSMENT

The article examines the features of risk classification as an important task for understanding the essence of this category, its depth, multifacetedness and the choice of appropriate instruments of influence. The study of theoretical issues related to risk management is a relevant scientific and practical task. At the same time, along with the study of the essence, main characteristics and functions of risks, the classification of risks and the analysis of the causes of their occurrence are of great importance. It is emphasized that it is the distribution of risks by types with different degrees of aggregation, importance, and characteristics that allows us to better determine the further methodology of analysis and assessment, to make decisions within the framework of the risk management policy style. The presence of a significant number of features of classification and division of risks, the dilatability of attributing certain risks to different subspecies once again emphasize the importance and necessity of in-depth research of this category. It has been established that the classification of risks can be carried out according to various criteria, such as the nature of the consequences, the scope of occurrence, the cause of occurrence, the degree of controllability, the level of occurrence, and others. Risks can be divided into pure (can cause only losses), speculative (can cause both losses and profits), financial, operational, strategic, and others. Risk classification is an important stage of risk management, which allows for more effective risk assessment and development of strategies for their minimization or prevention. It has been proven that despite active research, there is still no effective and universal risk classifier, which leads to independent categorization of risks in accordance with the main areas of activity for identifying, analyzing, and minimizing risks. It is also worth considering that in each specific case, the basis of risk classification contains a clearly defined applied purpose: to form transparent and analytically analyzed material for an effective description of risks with the subsequent construction of a risk management system.