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              <p>La  gestión  profesional  de  las  actividades  financieras  requiere  una  buena  comprensión  de  los  riesgos  futuros inherentes a esas actividades.  A pesar del uso de modelos complejos para este  propósito, hay riesgos significativos que  a  menudo  siguen  siendo  poco  apreciados.  Este  artículo  desarrolla  técnicas  que  ayudarán  a  las  instituciones bancarias a comprender  los riesgos que conlleva la microfinanciación y las operaciones relacionadas. El análisis se lleva  a  cabo  identificando  las  operaciones  financieras  típicas  de  la  banca  al  por  menor,  como  la  inversión  y  la extensión del crédito, y los tipos de riesgo inherentes a estas actividades, que se agrupan en las categorías de riesgo operativo, riesgo financiero, riesgo de gestión y riesgo externo. El análisis se lleva a cabo utilizando la metodología multicriterio  PROMETHEE.  Conforme  a  nuestro  nuevo  enfoque  del  análisis  de  riesgos,  muchas  instituciones mejorarán la administración de sus operaciones financieras, incluidas las microfinanzas.</p>
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