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by 趙永祥 2015-09-27 07:08:03, 回應(0), 人氣(2826)

             《般若波羅蜜多心經》解析


《般若波羅蜜多心經》為《般若經》的重點都在裡面,其中「般若波羅蜜多」

梵文Prajñāpāramitā)直譯為以佛法的智慧到達生死解脫的彼岸,代表由文字聞修而親證般若智慧,超越生死苦海,到達不生不滅的究竟解脫境界[2]

心(梵文Hṛdaya),原義為心臟,與意識心巴利文Citta)不同,在此是心要或心髓之意。日本學者福井文雅,考證「心」(梵文Hṛdaya)有密咒真言陀羅尼的含意,因此可譯為心陀羅尼、心咒[3]支謙譯本稱為《摩訶般若波羅蜜咒》[4]。梵文本中,又稱為《般若波羅蜜多心陀羅尼》,藏文本稱《薄伽梵母說般若波羅蜜多心要》,皆不稱為(sūtra)。在大乘佛法中,般若波羅蜜多及其經典最為精要。所以《般若波羅蜜多心經》,用六離合釋來解釋,是持業釋,「般若波羅蜜多」即是「心」。[5]

《心經》經文結構之來源,大部分出於《大般若經》第二會觀照品第三之二,即《大品般若》習應品第三)。「般若波羅蜜多是大神咒……」一段,出於《大般若經》第二會功德品第三十二,即《大品般若》勸持品第三十四。咒文則出於《佛說陀羅尼集經》第三卷,般若大心陀羅尼第十六。故《心經》是出自《般若經》的精髓,附加密咒真言,同時奉請觀自在菩薩為其說法主,才完成現今《心經》組織的型態[6]

《心經》是所有佛經中翻譯次數最多,譯成文種最豐富,並最常被念誦的經典。有廣本及略本兩種本子。廣本具有序分、正宗分、流通分。略本只有正宗分,鳩摩羅什與玄奘譯本皆是略本。

漢傳佛教中《心經》常見的版本為玄奘譯本,共260個字,其經文言簡義豐、博大精深、提綱挈領,直明「第一義諦」,集中展現了般若學的精髓,是大乘佛教出家及在家佛教徒日常背誦的佛經之一。


「色即是空,空即是色」一句即出自該部經文,闡明五陰(色受想行識)乃至十八界萬法,與諸法空相(沒有獨立、常存不變的自性)實乃不一不異之中道。


起源

Jan Nattier教授比較了本經梵文本與漢文本,根據兩者差異,主張本經原為漢文,再轉譯為梵文,而印度在8世紀前沒有人提到過心經。[7][8][9]比爾·波特則推測問題來自現存梵文本的文字錯亂,漢文本是從現已佚失的梵文本翻譯而來,但此推測目前缺乏證據。[10]

釋迦牟尼佛初轉法輪,宣說四聖諦,以「苦集滅道」之教義教導眾生,修解脫道。滅諦就是涅槃。解脫道的「涅槃」,指苦的滅盡,包括煩惱的滅盡(有餘涅槃)與五蘊的滅盡(無餘涅槃)。第二轉般若無分別智法輪,藉由對空性的認知,說明煩惱是可以斷除的,從色法到一切遍智空,一切法皆無自性。第三轉善分別法輪的唯識諸經《解深密經》、《如來藏經》、慈氏菩薩的《相續本母經》,詳細說明真心如來藏的體性是常住不滅、離六塵之見聞覺知,惟明惟知,唯證乃知,具有原始本地之風光,謂智慧之德相。

般若經》及諸部般若,為佛陀在二轉般若無分別智法輪時所宣說,乃大乘佛法中之深法。佛陀在《大般若波羅蜜多經》系列中常提到般若的重要,更譬喻「般若」為佛母,能生一切佛法。

《般若經》的內涵以空性為主,大乘菩薩透過對空性的了解能斷除煩惱障而可證得但不入小乘的無餘涅槃,即聲聞緣覺的菩提果位;大乘菩薩也能夠透過對空性的認識,具足圓滿修證一切種智,再加上福德資糧的圓滿,能徹底斷除所知障而獲得大乘的佛地無住處涅槃,即無上的菩提果位。《般若波羅蜜多心經》即是《大般若經》的心髓,全部般若的精義皆設於此經[11],故名為《心經》。

佛說《心經》的緣起,是在靈鷲山中部,為諸菩薩聲聞弟子所圍繞,當時觀自在菩薩正在觀修般若波羅蜜多、專注思惟觀修而照見五蘊皆自性空。心經主要內涵是舍利子與觀自在菩薩有關諸法空相的問答。佛出定後,認可菩薩所說,歡喜讚嘆。

心經內涵可分兩種,顯義與隱義。顯義為觀空正見,為龍樹菩薩的《中論》所闡釋。隱義則為現觀道次第,間接顯示性空所依的有法,為彌勒菩薩所造的《現觀莊嚴論》所詮釋。

大般若經》中所開示之般若法門是專為已發菩提心之眾菩薩們所宣說的。其最重要的觀念,在於以般若空智慧來覺悟諸法皆是空相之實相,不會因已體證空性、可進入卻不入涅槃而自願生生世世輪迴生死救度眾生,其行為看似有違一般所認知的脫離輪迴觀念,而實際上這才是《大般若經》開悟菩薩的主旨所在。因為以慈悲喜捨之心平等救護一切眾生才是真菩薩行,而自己逃離生死輪迴卻棄眾生於不顧則有違菩薩自度度他之初衷誓願。

在《大般若經》中數度出現“菩薩摩訶薩普為利樂諸有情故,求趣無上正等菩提”與“觀諸法皆空,不捨一切有情”字句。此即表示若離開對眾生的慈悲濟度,則一切修行的意義則大打折扣,不能最終成就無上菩提正果。


《般若波羅蜜多心經》經文內容


觀自在菩薩,行深般若波羅蜜多時,照見五蘊,渡一切苦厄。舍利子不異空,空不異色;色即是空,空即是色。,亦復如是。舍利子,是諸法空相,不生不滅,不垢不淨,不增不減,是故空中無色,無受、想、行、識;無;無;無眼界,乃至無意識界;無無明,亦無無明盡;乃至無老死,亦無老死盡。無,無智亦無得,以無所得故。菩提薩埵,依般若波羅蜜多故,心無罣礙,無罣礙故,無有恐怖,遠離顛倒夢想,究竟涅槃。三世諸佛,依般若波羅蜜多故,得阿耨多羅三藐三菩提。故知般若波羅蜜多,是大神咒,是大明咒,是無上咒,是無等等咒,能除一切苦,真實不虛。故說般若波羅蜜多咒,即說咒曰:“揭諦、揭諦,波羅揭諦,波羅僧揭諦,菩提薩婆訶。”

——玄奘法師译,《般若波羅蜜多心經》


註解

  1. ^ 其中“般若”讀作bōrě,音“波惹”
  2. ^ 《大智度論》卷56:「因語言經卷,能得此般若波羅蜜,是故名字經卷名般若波羅蜜。」
  3. ^ 慧琳《一切經音義》:「心陀羅尼,梵語,陀羅尼,此云總持,即心持法也。」
  4. ^ 僧祐出三藏記集》卷4:「《摩訶般若波羅蜜咒》一卷,《般若波羅蜜神咒》一卷(異本)。」隋費長房《歷代三寶記》卷4:「《摩訶般若波羅蜜咒經》一卷(或無經字)」
  5. ^ 釋印順.  般若波羅蜜多心經講記 懸論《般若經講記》.
  6. ^ 見釋東初著,《東初全集·般若心經思想史》
  7. ^ The Heart Sūtra: A Chinese Apocryphal Text?Journal of the International Association of Buddhist Studies. 1992年, 15 (2): 153–223.
  8. ^ 棚橋一晃. The Heart Sutra: A Comprehensive Guide to the Classic of Mahayana Buddhism Shambhala Publications. 2015-03-10: 101–108頁. ISBN 978-0-8348-2968-8.
  9. ^ Heart Sutra. Robert E. Buswell (编). Encyclopedia of Buddhism. MacMillan Reference Books. 2003年: 314頁. ISBN 0-02-865718-7.
  10. ^ Red Pine.  The Heart Sutra: The Womb of the BuddhasCounterpoint. 2005-08-10: 23–24頁. ISBN 978-1-58243-992-1.
  11. ^ 大般若經》有多處經文與《心經》相近或相同,如卷四相應品第三之一,又卷四百零三觀照品第三之二亦有同樣經文。


附加檔案有二

by 趙永祥 2015-09-25 08:28:33, 回應(2), 人氣(2821)


What's preventable risks and how to effectively manage?

What's preventable risks and how to effectively manage?

According to my past experiences,the first step in creating an effective risk-management system is to understand the qualitative distinctions among the types of risks that organizations face. Our field research shows that risks fall into one of three categories. Risk events from any category can be fatal to a company’s strategy and even to its survival.

Type I: Preventable risks.

These are what I call "internal risks" which is arising from within the organization, that are controllable and ought to be eliminated or avoided. Examples are the risks from employees’ and managers’ unauthorized, illegal, unethical, incorrect, or inappropriate actions and the risks from breakdowns in routine operational processes. 

To be sure, companies should have a zone of tolerance for defects or errors that would not cause severe damage to the enterprise and for which achieving complete avoidance would be too costly. But in general, companies should seek to eliminate these risks since they get no strategic benefits from taking them on. A rogue trader or an employee bribing a local official may produce some short-term profits for the firm, but over time such actions will diminish the company’s value.
This risk type is best managed through active prevention: monitoring operational processes and guiding people’s behaviors and decisions toward desired norms. Since considerable literature already exists on the rules-based compliance approach, we refer interested readers to the sidebar “Identifying and Managing Preventable Risks” had been popular discussed and apparently best practiced in most industry.


Dr. Chao
5-Feb.-2015


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John GrubbsAsad Iqbal ShahGillian Poon+13 like this
  • John Grubbs

    It's interesting to think that there is this "preventable risk". In my experience, I've found risk to be only manageable as there is risk in everything we do, especially when it come to human nature

    7 months ago
  • Edward Chao

    Dear John Grubbs, 
    This risk type is what I call "internal risks" which is arising from within the organization, that are controllable and ought to be eliminated or avoided. In addition, best managed through active prevention: monitoring operational processes and guiding people’s behaviors and decisions toward desired norms.

    Thanks for your comments.

    Dr. Chao

    7 months ago
  • Mark Powell

    Edward,

    I think the terminology you have chosen for native English speakers is a bit unfortunate.

    I understand what you are saying, but the term "preventable" does not connote to native English speakers the definition you have assigned to it.

    Mark Powell

    7 months ago
  • Edward Chao

    Dear Mark Powell, 
    Thanks for your response. 
    This terminology perhaps not suitable to native English speakers, it's another definition concerning about the "internal risks" which is arised from within the organization, that are controllable and ought to be eliminated or avoided. Examples are the risks from employees’ and managers’ unauthorized, illegal, unethical, incorrect, or inappropriate actions and the risks from breakdowns in routine operational processes. 
    Perhaps, you can give me better suggestions concerning about this terminology.

    Best regards.

    Dr. Chao

    7 months ago
  • Mark Powell

    Edward,

    To me, your term "internal risks" seems to capture what you have described so far quite well.

    All of your examples are what I would naturally think of as a company's internal risks.

    Mark Powell

    7 months ago
  • Sherif Dawood , MBCI, MBA, ITILv3, M.Sc.

    Second Mark's opinion 
    We can have preventive controls as part of the control structure for managing certain risk, but we can never guarantee the prevention of the risk. If there is a risk, there will be always a residual risk till the risk becomes irrelevant

    7 months ago
  • William Thorlay

    Dr. Chao, 
    I think your definition on "internal risks" is well understood. On the other hand, I have to agree with Mr. Grubbs when he says that risk is something inherent to everything we do. As far as human behaviour is concern, human reliability is becoming more and more applied within the organizations worldwide.

    7 months ago
  • Tracy Dcruz

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    7 months ago
  • Stephen McManus

    When discussing risks, whether internal or external, the use of "preventable" would equate to avoid the risk....this means the risk probability and/or the impact must go to zero.

    In practice, it is often almost impossible to prevent risks from occurring or having an impact if they do occur without having a significant trade-off on one of the other constraints or objectives a project is trying to meet. So in practice there should be two questions regarding a significant risk and the desire to "prevent" the risk.

    * - Is it more important to do the project or not experience the risk?

    * -If a prevent or avoid response is put in place, is the cost or benefit worth the trade-off of project objectives not being fully met.

    Finally, in practice we most often have to determine how much is the project willing to invest in reducing a risk or increasing an opportunity and still leave on the table residual risk....what is the risk appetite of the key stakeholders.

    7 months ago
  • Edward Chao

    Dear Stephen McManus,

    What you have indicated that "in practice we most often have to determine how much is the project willing to invest in reducing a risk or increasing an opportunity and still leave on the table residual risk", I agree with your viewpoints. 
    The decision-makers has the responsibility to analyze the keypoints whether the cost or benefit is worth the trade-off of project objectives not being fully met.

    According to my past experiences,the first step in creating an effective risk-management system is to understand the qualitative distinctions among the types of risks that organizations face.

    Finally, you have to determine how much is the project willing to invest in reducing a risk or increasing an opportunity and still leave on the table residual risk.

    Thanks for your comments.

    Dr. Chao 
    10-Feb.-2015

    7 months ago
  • Michael Allocco, PE, CSP

    MOST RISKS ARE PREVENTABLE GIVEN…. 
    The understanding of a (system) accident life cycle: 
    • Implement safety axioms to assure that risks are identified, eliminated or controlled to acceptable levels; 
    • Apply proactive, predictive, and reactive methods to understand hazards and associated risks; 
    • Consider how an adverse propagation can start? A poor decision associated with the system (integrated human, machine and environment); 
    • The decision results in a latent, dormant, hidden (hazards) situation; 
    • The hidden situation is triggered by a condition or situation (other hazards); 
    • Adverse sequences can be complex to simple; 
    • The elements of the system support the adverse progression(s): conditions and/or actions; 
    • The adverse process may progress unless detected, or progression continues and harm may result; 
    • If causality or contingency action is unsuccessful additional harm can result; 
    • Eventually the system needs to be brought back to a stable state.

    7 months ago
  • Edward Chao

    Dear Michael Allocco, 
    The statements you have pointed out makes sense, and thanks for your reply with sincerity.

    Dr. Chao

    7 months ago
  • Pierre Lommerse

    Dear Edward,

    I tend to say risk is the only certainty in your life the difference is how you cope with it, other thought is doing business is consciously taking risk. 
    When we discuss the risk factor we have to keep in mind it is not risk management but overall management, think of the loop identify, assess, accept/not accept, control. So when we discuss the “internal risks” we have to be aware of them. My experience is that one of the biggest risks is, motivation, being proud to be part of the organization etc.

    7 months ago
  • Edward Chao

    Dear Pierre Lommerse, 
    I'm very appreciated with your reply. According to my past experiences,the first step in creating an effective risk-management system is to understand the qualitative distinctions among the types of risks that organizations face. Finally, you have to determine how much is the project willing to invest in reducing a risk, how to avoid and manage is an important issue to take into consideration. Thanks for your comments again.

    Dr. Chao

    7 months ago
  • John Mallino

    Preventable risks are risks that can be engineered out of the design. With that said, if asked which specific risks are preventable. I would say OSHA top ten most cited violations. No excuse for these risks to be active at your job site. 
    http://www.safetyandhealthmagazine.com/articles/11136-osha-announces-top-10-most-cited-violations-for-2014

    7 months ago
  • David Brady

    John M got it right. The only way to make a risk preventable is to eliminate it altogether, either removing it by re-engineering or or changing the process if possible, e.g. if the risk is flying then drive or take the train. Although remember that eliminating a risk may introduce a secondary risk.

    7 months ago
  • John O'Sullivan MIEAust CPEng

    Edward, 
    Glad to see your comments have brought up numerous valid replies. In my experience these 'internal risks', while being largely preventable or able to be mitigated (or at least should be so) can also be very insidious because many of them can arise from the company 'culture'. But when a company's 'culture' is flawed identifying and mitigating those risks can be a daunting task because people may not even realise the risk exists, let alone where it stems from - 'it's how we do business'. In these companies (read 'large organisations') those people in positions of authority have generally reached those positions because they understand how to 'work the system' and that knowledge and understanding becomes their power base. When you start to identify and address those internal risks be prepared for some potentially serious pushbacks because someone's power base is suddenly being threatened. 
    Interested to see if anyone else shares these views. 
    John

    7 months ago
  • Edward Chao

    Dear John O'Sullivan, 
    First, I'm very appreciated with your reply.

    Secondly, according to your past experiences which said in your comments,'internal risks', while being largely preventable or able to be mitigated (or at least should be so) can also be very insidious because many of them can arise from the company 'culture'. But when a company's 'culture' is flawed identifying and mitigating those risks can be a daunting task because people may not even realise the risk exists. 
    In fact, the culture seems to play an important factor in 'internal risks', which can also be very insidious because many of them can arise from the company 'culture'.

    Thirdly, when we discuss the risk factor we have to keep in mind it is not risk management but overall management, think of the loop identify, assess, accept/not accept, control. So when we discuss the “internal risks” we have to be aware of them.Finally, you have to determine how much is the project willing to invest in reducing a risk, how to avoid and manage is an important issue to take into consideration.

    Finally, I'm very appreciated with your professional comments.

    Sincerely, 
    Edward

    7 months ago
  • John O'Sullivan MIEAust CPEng

    Thanks Edward,

    From a Quality point of view the causes of these types of risks (ie variations in output) would usually be termed 'common causes'. Any unexpected, uncontrolled or unauthorised variation in output results in risk. The only way to fix them is by fundamentally changing the 'system' or, in some situations, the system's implementation. Common causes arise when 'everyone is doing it'.

    John

    7 months ago
  • Edward Chao

    Dear John O'Sullivan, 
    I'm very appreciated with your comments. 
    I agree with your viewpoints, the better way to fix 'internal risks' is by fundamentally changing the 'system' or, in some situations, the system's implementation. 
    You provide another solution to fix the 'internal risks'.

    Sincerely, 
    Edward

    7 months ago
  • James Andrae

    Edward 
    I agree with your comments in general, and yes the examples you identified are internal and "preventable" through a variety of actions. (there is no sure fire mitigation for rogue trading). 
    In Australia we have taken the risk management of physical injury to a new level. I worked for a company that went into the Guinness book of records when it achieved a million hours without any injuries. Preventable risks that have direct impact on the bottom line and lives. 
    While nothing is perfect and some solutions do open the door to other risks, it is none the less the most important exercise and question for a risk manager to undertake. This is the heart of the process to determine Board risk appetite declarations, Risk Policies, Corporate structures etc, etc... 
    I prefer to approach an organisation as a blank sheet, identify risks and put them in 3 columns and then spend some time analysing what is the understanding of each risk by the relevant staff. I'm sure you are doing this process since you started at the same point I did . 
    The bottom line is the identification of the universe of risks I have to have, I want to have, and I don't want to have. Then devise a strategy to address these. 
    Of course it is a very involved processes and you need to move at least 3 to 6 iterations to ensure no new risks are accidentally introduced and what residual risks remain and so on. 
    If done right, the rewards are astronomical, and most importantly it sets the culture. Everyone has to get on board and risk management is embedded in the hearts and minds just through the exercise. 
    Qualitative benefits are numerous, least of all, the insights gained. 
    I once worked for a company that wanted to address 1 preventable risk. 
    The cash flow risk. They wanted greater certainty of revenue. In attempting to mitigate this risk, it created new risks, some of which were an even higher order of risk. But once we went through the process and mapped it out down to the most minute issues stressed in 6 different ways, the CEO was so impressed this strategic thinking became the norm for every action undertaken You cannot ask for a better culture. 
    Happy to provide further details in private if you want to contact me.

    7 months ago
  • Edward Chao

    Edward Chao

    Dear James Andrae,

    I'm very appreciated with your professional comments about the topic:"What's preventable risks and how to effectively manage?". According to your viewpoints, the bottom line is the identification of the universe of risks I have to have, I want to have, and I don't want to have. Then devise a strategy to address these. I agree with your viewpoints stated. Your past experiences in two companies which gave me some hints in solving preventable risk. You are an expertise in facing risks, therefore you know how to solve in better way. According to my past experiences,the first step in creating an effective risk-management system is to understand the qualitative distinctions among the types of risks that organizations face.

    To be sure, companies should have a zone of tolerance for defects or errors that would not cause severe damage to the enterprise and for which achieving complete avoidance would be too costly. In addition, companies should seek to eliminate these risks since they get no strategic benefits from taking them on in general. A rogue trader or an employee bribing a local official may produce some short-term profits for the firm, but over time such actions will diminish the company’s value.Finally, you have to determine how much is the project willing to invest in reducing a risk, how to avoid and manage is an important issue to take into consideration.

    Happy to receive your comments and if possible, we can discuss more details on risk managements in private if you don't mind.

    Best regards.

    Edward

    7 months ago
  • Edward Chao

    John O'Sullivan MIEAust CPEng

    Edward, 
    I believe one principle is worth always remembering when dealing with risk, regardless of the type, source or severity of that risk. and that is: 
    Regardless of what business you THINK you are in, you are in the PEOPLE business. 
    Cheers, 
    John

    7 months ago
  • Edward Chao

    Edward Chao

    Dear John, 
    Thanks for your reply. 
    You have mentioned that when dealing with risk, "Regardless of what business you THINK you are in, you are in the PEOPLE business." It is useful for me how to treat the risk happened in the coming future.

    In my experiences running on project managements, I usually think that risk management can include the following activities 
    * how risk will be managed in the particular project. Plans should include risk management tasks, responsibilities, activities and budget.

    * a risk officer – a team member other than a project manager who is responsible for foreseeing potential project problems. Typical characteristic of risk officer is a healthy skepticism.

    * live project risk database. Each risk should have the following attributes: opening date, title, short description, probability and importance. Optionally a risk may have an assigned person responsible for its resolution and a date by which the risk must be resolved.

    * anonymous risk reporting channel. Each team member should have the possibility to report risks that he/she foresees in the project.

    Very thankful for your comments again.

    Best regards.

    Edward

    7 months ago
  • Edward Chao

    Edward Chao

    There are two questions regarding a significant risk and the desire to "prevent" the risk. 
    The first question has to be considered is "Is it more important to do the project or not experience the risk?", the second is "if a prevent or avoid response is put in place, is the cost or benefit worth the trade-off of project objectives not being fully met." (Sited from Stephen McManus) I think that it's necessary for us to think about the process how to prevent the coming risk and the best solution.

    As what I suggest in the former comments 'Maintaining live project risk database.' 
    In fact, each risk should have the following attributes: opening date, title, short description, probability and importance. Optionally a risk may have an assigned person responsible for its resolution and a date by which the risk must be resolved.

    Edward.

    6 months ago
  • Edward Chao

    Christopher Jeffrey

    Several great comments attached here!!! A really good read... So I will add mine.... An essential point to risk management often understated is the risk appetite or tolerance levels for the company. These levels can dramatically change the overall scope and cost of projects! These levels often fluctuate based on the discipline they are within... IE... Safety to personnel, environment, financial or reputation. That is to say some companies will withstand higher risks in let's say a financial discipline as they would not withstand with regards to safety! A true understanding of risk encompasses all disciplines and the tangent way they ALL intersect...

    1 month ago
  • Edward Chao

    Michael Allocco, PE, CSP

    FOOD FOR THOUGHT…SYSTEM THINKING AND SYSTEM RISK… 
    Getting the big picture is helpful when assessing risk: 
     Considering system (RISKS) accidents people may not know how to connect the dots within complex systems, nor think inclusively, or holistically, nor comprehend dynamics, induction or deduction, nor understand expensive variables, interfaces and interactions. 
     A so-called “safe” system equates to the identification, elimination and control of safety-related (system) risks; throughout the life cycle of the system, and system accident. We should go about the effort of system-level hazard analysis and risk assessment, and validating and verifying the system risk controls. 
     System thinking will not be acquired from a theory, or book, or from formal schooling. System thinking is gained via experience during professional practice. 
     Unfortunately, many have a limited understanding of complexities within integrated systems comprised of hardware, software, firmware, the human and complex environment. One has to understand interfaces and interactions associated with complex systems. We cannot oversimplify thinking about failures, adverse events and functions. Not everything is stochastic (probabilistic). System analysis requires many forms of additional thinking: abstract, holistic, system, quantitative, objective, subjective, temporal (life cycle), and critical. 
     System thinking can be applied to an entity. A ’system” is a source of abstraction. System axioms all equate to context. Experienced system risk analysts may be aware that it is all connected. There is flexibility, abstraction, and pliability in the concept of a system, system of systems, and families of systems. These entities are comprised of humans, machines, and the environment. In an oversimplification one must understand the interactions and interfaces of the defined system under consideration. Your system thinking abilities can be limited based upon the knowledge of applied system axioms. 

    1 month ago
  • Edward Chao

    Edward Chao

    Dear Michael Allocco, Thanks for your comments. Getting the big picture is helpful when assessing risk, in addition, how risk will be managed in the particular project. System thinking is gained via experience during professional practice. Simultaneously, as you have said 'system analysis requires many forms of additional thinking: abstract, holistic, system, quantitative, objective, subjective, temporal (life cycle), and critical.' The good plans should include risk management tasks, responsibilities, activities and budget, if not, the plans have to take the uncertainty and potential risk.

    Thanks for your reply.

    Edward

    6 days ago
  • Edward Chao

    Michael Allocco, PE, CSP

    Edward....your welcome.

    DESIGNING RISK MANAGEMENT PROGRAMS,,, 
    • I understand that there are cook book approaches in risk-related standards; which may or may not be appropriate. Firstly, it all depends on the actual identified system risks throughout the life cycle of the entity under evaluation. As stated, an inclusive system-level hazard/threat analysis provides the risk-driven requirements in order to design RM program requirements. 
    • Any forms of risk of harm: losses, threats, vulnerabilities, loss of key people, loss of assists, valuable papers, trade secrets, data and information, fire losses, fleet losses, facility catastrophes, environmental and weather events, any contingency, causality, etc.; can be evaluated. It all depends on how the analysis and risk assessment criteria are developed. 

    6 days ago
  • Edward Chao

    Edward Chao

    Michael, I fully agree with your viewpoints. Any forms of risk of harm: losses, threats, vulnerabilities, loss of key people, etc., could be estimated and evaluated via the analysis and risk assessment criteria which could be developed. Thanks for your comments. 
    Edward 

    6 days ago
  • Edward Chao

    Michael Allocco, PE, CSP

    Your welcome....Mike

  • https://www.linkedin.com/grp/post/2324725-5969003244674916354?trk=groups-post-b-all-cmnts

  • Copy the above, and then put the website in the web.


by 趙永祥 2015-09-20 08:25:31, 回應(1), 人氣(1871)

奕晥:

法華偈 般若心


https://www.youtube.com/watch?v=fhd91FjZY18



********************************************************
法華偈 (國語版) · 羅天洲, 蕭蔓萱 法華偈 (國語版)歌詞
六萬餘言七軸裝 無邊妙義廣含藏

              白玉齒邊流舍利 紅蓮舌上放毫光

              喉中甘露涓涓潤 口內醍醐滴滴涼

              假饒造罪過山嶽 不須妙法兩三行





℗ Fujit Music Co., Ltd Released on: 2002-02-01 Music Publisher: FUJIT MUSIC CO. Music Publisher: LTD Author: 佛經 Arranger: 張貽銘 Composer: 方懋基


********************************************************



by 趙永祥 2015-09-17 23:15:25, 回應(0), 人氣(2863)

International Journal of Business and Finance Management Research (IJBFMR)

SUBMIT ARTICLEs FOR PUBLICATION

International Journal of Business and Finance Management Research (IJBFMR) with Impact Factor: 0.232 and indexed in CABI-ISI, ECONBIZ, ECONIS and Google Scholar is currently accepting manuscripts for publication. 

IJBFMR welcomes submissions of articles which are to be considered for publication; such as Communications, Reports of preliminary research findings that justify urgent publication, Full length research articles, Review articles in all areas of Business and Finance Management including Critical reviews, Mini reviews and Tutorial reviews. IJBFMR publishes high-quality solicited and unsolicited articles, in English with a broad scope which include but is not limited to the following areas of specialty:

a. Business Management Research
Agency Theory, Brand Management, Business and Economics, Business and Economics Education, Business Communications, Business Ethics and Corporate Social Responsibility, Business Law, Business Level Strategies, Business Research, Capital Market Integration, CEO Compensation, Change, Commitment Compensation and Benefits, Competitive Dynamics, Conflict Management, Consumer Behaviour, Contingency Theory, Corporate Governance, Critical Management Studies, Decision Making, Decision Sciences, Derivatives and Structured Financial Products, Diversification Economics, Educational Administration/Management, Emotions at Workplace, Employee Relations, Entrepreneurship, Functional Level Strategies, Gender and Diversity in Organizations, General Business Research, General Management, Global Business, Health and Safety, HR and Technology, Human Capital, Human Resource Management, Industrial Relation, Institutional Theory, International Business, International HRM, International Management, International Marketing, Islamic Finance, Knowledge Management, Labour Relations, Leadership and Governance, Management Education and Development, Management Information Systems, Marketing Management, Marketing Theory and Applications, Mergers and Acquisitions, Venture Capital, Organizational Behaviour and Theory, Organizational Communication, Organizational Learning, Organizational Psychology, Ownership Structure, Performance Measurement, Personnel and Industrial Relations,  Philosophy of Management, Portfolio Management, Production/Operations Management, Psychology (related to business), Public Administration, Relationship Marketing, Restructuring, Retailing, Pricing and Personal Selling, Risk Management and Internal Control, Services Marketing, Sexual Harassment, Small Business and Family Enterprise, Social Issues and Public Policy, Socialization and Orientation, Statistics and Econometrics, Strategic Alliances, Strategic Management Policy, Strategic Planning Systems, Supply Chain Management, Logistics and e-Business, Social Issues in Management, Social Issues in Marketing, Technology and Innovation, etc.

b. Finance Management Research
Accounting Information Systems, Accounting Theory and Practice, Auditing, Banking and Financial Institutions, Behavioural Finance, Corporate Finance, Cost Accounting, Finance and Investment, Financial Accounting, Financial Market and Institutions, International Finance, Management Accounting, Public Finance, Real Estate Finance, Taxation, etc.

If this invitation did not include your field of study, please visit our website at www.bluepenjournals.org/journals to see our other journals that covers your field of study.

IJBFMR is fully committed to providing free access to all articles as soon as they are published.

Instruction for Authors and other details are available on our website www.bluepenjournals.org/ijbfmr. Prospective authors should send their manuscript(s) to ijbfmr@bluepenjournals.orgor bluepen.ijbfmr@gmail.com.

Best regards,

Prof. Luis Antonio Fonseca Mendes
For, Editorial Board Committee,
International Journal of Business and Finance Management Research
E-mail:service@bluepenjournals.org
http:// www.bluepenjournals.org/ijbfmr
by 趙永祥 2015-09-16 09:14:23, 回應(1), 人氣(2264)


104-1 行銷管理教案CH1-CH4



104-1 行銷管理教案 CH1-CH4


南華大學104第學1期授課大綱
課程代碼00038888
中文名稱行銷管理
英文名稱Marketing Management
學分3/選修
任課教師趙永祥
上課時間星期3第3節
星期3第4節
星期3第5節
課程時數3
授課語言1中文
授課語言2英文
是否使用原文書None
本課程是否安排業師授課
本課程是否配
置教學助理
或助教輔導教學
A.課程概述主旨: 本課程旨在提供一個瞭解、研究及發展行銷管理的架構。 
1. 面對瞬息萬變、機會與挑戰並存的環境,企業必須隨時掌握市場競爭狀態,才能預防競爭者的威脅。所涉及的課題包括:如何建立客戶價值、如何規劃競爭策略、如何收集與衡量市場情報、如合分析消費市場的購買行為、如何精確切割市場選定目標客戶、如何根據產品生命週期進行市場定位、以及行銷競爭分析、整合行銷、如何進行行銷通路管理和擬定價格策略等等。 
2. 本課程除提供學生基礎的行銷知識及行銷技能,使其能將行銷概念及知識應用到實務上
3. 本課程將訓練學生獨立思考能力;報告撰寫能力;口頭報告能力;和團隊互動能力。 

1. The objects of marketing management are to introduce the application of concepts, tools and procedures employed by practicing marketing managers. Specific attention is given to product development and management, promotion development and management, channel selection and management, physical distribution management, and price setting and management. 
2. Students acquire skills in the essentials of case analysis and written as well as oral presentation of their analysis. 
3. Oral presentations may be made using electronic media. Groups may be required for case work and enhance the ability to analyze which is the best strategy to take. 
B.教學目標
中文教學目標英文教學目標對應能力指標
學習現代行銷的基本概念與實務,使得將來能運用在產品與服務公司、消費者與企業市場、營利與非營利機構、本國與全球公司,中小型與大型企業。To learn the basic concepts of modern marketing strategy in order to put these professional knowledge in product and service, customer and corporate analysis, etc.,A-A-DA1. 具備財金相關專業知識
學習現代行銷的基本概念與實務,使得將來能運用在產品與服務公司、消費者與企業市場、營利與非營利機構、本國與全球公司,中小型與大型企業。To learn the basic concepts of modern marketing strategy in order to put these professional knowledge in product and service, customer and corporate analysis, etc.,B-A-DA2. 具有多元化思維、國際金融視野及持續學習成長的能力
現代行銷基本概念與個案探討,提出行銷4P之實際成功個案,強化學生在實際應用能力,並藉由個案探討讓學生有提出解決方案之能力。To strengthen the thinking and solving ability.C-A-DA1. 具備理論與實務,提升解決財金問題之能力
讓學生能對實際社會有一份關懷,藉由行銷管理的案例探討結合基本學理,讓學生對於現今社會狀態有較充分之瞭解。To strengthen the ability in caring about the society and industry developed, and lead to stimulate the passion into the society.E-A-DA2. 具有環境永續與奉獻社會的精神。
藉由行銷管理的分組報告,讓同學在進行期末分組報告時,能針對所選擇企業進行行銷4P與STP分析時,在實務應用能力方面能有更深入之瞭解,並能建立溝通協調與團隊合作之能力。To strengthen the ability in understanding the operation and application method in order to match with the marketing developments, in addition, enhancing both communication and cooperation abilities.D-A-DA2. 具有溝通協調及團隊合作的能力
希望藉由本課程能強化學生在時間管理與EQ管理之能力,在進行個案探討時去檢測學生在這兩方面之能力。To straenthen the students' time control and EQ control abilities by way of case study to stimulate their potential ability.F-A-DA2. 具有時間管理與情緒管理的能力
藉由本課程培養同學們具有溝通協調、解決問題及團隊合作的能力To train the students having the ability to solve,communicate with others and team-work to finish the target .D-A-DA2. 具有溝通協調及團隊合作的能力
C.核心能力財金專業知能自覺學習財金實務應用溝通合作身心康寧社會關懷
D.課程權重301525101010
E.教材大綱所涉及的課題包括:
1. 如何建立客戶價值
2. 如何規劃競爭策略
3. 如何收集與衡量市場情報
4. 如合分析消費市場的購買行為
5. 如何精確切割市場選定目標客戶
6. 如何根據產品生命週期進行市場定位
7. 以及行銷競爭分析
8. 整合行銷 等等
Topics headlines include the following: 
1. how to create customer value 
2. How to Plan Competitive Strategy 
3. How to measure market intelligence gathering and 
4. The combined analysis of the consumer market buying behavior 
5. How accurate cutting selected target market customers 
6. How to conduct market positioning based on product life cycle 
7. and marketing competitive analysis 
8. integrated marketing, etc.

by 趙永祥 2015-09-16 06:13:17, 回應(0), 人氣(2798)



星雲大師- 48《僧事百講》八關齋戒



上傳日期:2011年10月13日

1.八關齋戒的內容


2.八關齋戒的功德


3.八關齋戒的修行功課


4.參加八關齋戒的資格


5.小朋友能否參加八關齋戒?


6.五戒、菩薩戒與八關齋戒之差異


7.由誰主持八關齋戒?


8.受持八關齋戒的重要性?


9.舉辦八關齋戒的條件?




































by 趙永祥 2015-09-15 22:49:21, 回應(0), 人氣(1343)


星雲大師《僧事百講》功德佛事

上傳日期:2011年10月13日


1.何謂佛事?

2.為小朋友做的佛事

3.消災延福的佛事

4.拜懺的功德

5.薦亡佛事的內容

6.三時繫念的好處

7.地獄不空 誓不成佛 眾生度盡 方證菩提

8.「普佛」的內容與意義

9.佛像是否要開光


https://www.youtube.com/watch?v=fQwT176aNh8



by 趙永祥 2015-09-15 17:06:37, 回應(0), 人氣(1674)


  

星雲大師-58《僧事百講》因緣果報

上傳日期:2011年10月13日


1.出家與因緣果報的關係


2.出家要具備哪些因緣?


3.因緣雖淺仍能得度?


4.如何做好一個出家人?


5.最根本且最重要的佛法


6.做好出家人對俗家的功德利益?


7.叢林選任住持或職事的標準?


8.出家人與在家人的造業果報不同?


9.十方信施的所有權屬於何人?


https://www.youtube.com/watch?v=OljUl4wZ5fc





by 趙永祥 2015-09-15 07:58:35, 回應(0), 人氣(1594)



Dear all : 吉祥


大家吉祥平安!

提供一則
​​
發人深省的Slight​與諸位鈞長分享​​














 
4分多鐘的美妙鋼琴背景音樂+發人深省的Slight​ 誠摯與諸位鈞長分享

Summary
世上除了生死,都是小事。

從今天開始,每天微笑吧!






笑一個吧!在不加修飾的世界裡,笑容更是踰越種族、年齡、衣著,美於任何附加的
​​
絢爛顏
­色。


 
4分多鐘的美妙鋼琴背景音樂+發人深省的Slight​ 誠摯與諸位鈞長分享

Notes : 
請記得打開喇叭,更能enjoy yourself.

by 趙永祥 2015-09-13 19:57:16, 回應(1), 人氣(2120)


幸與不幸多是別人眼光和自己心中感受之交會



逆境有時是人生最曼妙的風景,面對它最好方法是內心的淡定與從容。對待逆境妳只能淡定以對;如果這世界上真有奇蹟,那便是你能坦然面對逆境的另一個名字。


一輩子沒有遇見逆境的人,換一種說法,可能不是幸運;「所謂人生勝利組」的人,當他愈到生命盡頭,他會活得愈危險。一個人一生都是順境,他如何接受死亡?接受消逝?接受無我?多半他只能在晚年時,恐懼地活著。


其實所謂幸與不幸多半只是別人眼光和自己心中感受的交會,最終定位了你所謂的幸福位置。那種座標,像是導航系統的GPS,位子不過是一個點,幸或不幸,純粹是當事人的自我定義。


從卡夫卡的角度看:

我們一生不過是清醒地穿過夢境,每個人只不過是歲月的一個幽靈。如果我們順利的度過逆境,我們可以把幽靈變得更具象、更堅實:它是「虛空」狀態的盔甲,妳走地過,逆境便是妳生命中的禮物。


如果進化史讓我們學到什麽教訓,那就是生命是不會被侷限的。走過逆境的妳,心已是夏天。比春天、秋天、冬天更內斂,更深刻,更洗練,更心存感激。即使孤獨,也不為寂涼所困。樂於讓陽光曝曬,滿足於炎熱的炙烤,學會了看這個世界,一天一天變美。



by 趙永祥 2015-09-13 16:07:23, 回應(0), 人氣(1292)



星雲大師「星雲說」精華影片

838 個讚1,935 次觀看
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1,079 個讚3,324 次觀看
by 趙永祥 2015-09-13 16:04:34, 回應(0), 人氣(1408)



佛光山星雲大師講經說法之影片彙整









所有影片

838 個讚1,935 次觀看
1,050 個讚3,783 次觀看
1,314 個讚3,328 次觀看
1,209 個讚5,153 次觀看
1,072 個讚5,612 次觀看
1,066 個讚4,290 次觀看
1,165 個讚3,151 次觀看
1,697 個讚6,172 次觀看
1,075 個讚2,599 次觀看
957 個讚3,579 次觀看
1,020 個讚4,220 次觀看
1,134 個讚5,598 次觀看
1,111 個讚4,565 次觀看
1,340 個讚8,175 次觀看
1,168 個讚3,290 次觀看
1,429 個讚5,253 次觀看
1,051 個讚3,144 次觀看
1,190 個讚3,722 次觀看
1,103 個讚5,128 次觀看
992 個讚3,918 次觀看
1,709 個讚6,929 次觀看
1,269 個讚3,797 次觀看
1,203 個讚3,140 次觀看
1,402 個讚5,448 次觀看


by 趙永祥 2015-09-13 16:03:24, 回應(0), 人氣(1254)

星雲說法視頻006

佛光山星雲大師講經說法之影片彙整









所有影片

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by 趙永祥 2015-09-13 15:52:38, 回應(2), 人氣(5820)


罪業本空由心造,心若滅時罪亦亡;

心亡罪滅兩俱空,是則名為真懺悔。

──《三時繫念》

星雲說偈【真懺悔文】

罪業本空由心造,心若滅時罪亦亡;


心亡罪滅兩俱空,是則名為真懺悔。──《三時繫念》


《三時繫念》是佛教常施設的功德佛事,其中一段偈頌說得很好:「罪業本空由心造,心若滅時罪亦亡;心亡罪滅兩俱空,是則名為真懺悔」,其對佛教的懺悔滅罪說,有最直接的體認。

平時我們造的罪業很多,如:不應說而說錯話,不應做而做錯事,不應得罪而得罪他人等等,人有了千般的慚愧、懊悔,可以用懺悔的法水,來洗滌內心的罪惡!

人非聖賢,知過要能改,佛門裡不怕犯罪、犯戒,怕的是不肯懺悔改過。從事相上來看,你造了什麼罪業,當然有不好的果報,但是就罪的本體而言,罪性本空,是由心的造作而有,故「罪業本空由心造」。如果能將這顆妄心滅除,「心若滅時罪亦亡」,一切的是非、得失、榮辱都放下,哪裡還有什麼罪業呢?

禪宗二祖慧可請達摩祖師為他安心,達摩說:「你把心拿來,我為你安!」慧可找來找去,找不到,回答他:「覓心了不可得!」達摩一笑:「我已經替你安心了!」真心本自有,不需要再找一個法門來安,否則就是頭上安頭了!
過去有一個小偷,偷了鄰居五十兩銀子。二十年後,他發達有錢了,想把銀子還給鄰居,可是鄰居早已經往生,只好將錢還給他兒子。兒子不肯接受,因為往生的父親不曾提過有人欠錢。這位鄰居慚愧的說:「二十年前,我偷了你們家的銀子,這二十年來我一直感到憂愁不安,就像住在心牢裡服刑一樣,請你救救我,一定要將錢收下,不要讓我繼續受苦!」

一個人做錯事,即使逃得過法律的制裁,也逃不過良心的譴責。在還沒有達到心亡罪滅、人我雙亡的最高境界前,是不能安心的。如何懺悔?可以在師長親友或佛菩薩前,誠實真切地發露自己的過錯,或者用心做善事,將功贖罪來懺悔。能夠達到無生懺悔、達到人我雙亡,就是真正的懺悔了!

by 趙永祥 2015-09-06 08:22:59, 回應(0), 人氣(1357)


退一步想 面對壓力

【作者:佛光山開山星雲大師】 


   Date: 2015-09-06


現代人普遍感到壓力太大,由於從悠閒的農業社會,進入到要求快速、高量、競爭大的工業社會,每個人都很忙,忙得不自覺的武裝起身心,像繃緊的彈簧,以應付來自事的壓力、人的壓力,因而形成心裡巨大的壓力。面對無所不至的壓力,應如何面對?如何紓解?提供四點意見:


第一、勤奮,不故意拖延:工作上的壓力,大部分出於任務無法如期完成。可能就要勤奮一點,今日事、今日畢,不要把今天的事情留到明天。如果將今天的工作留待明天,如同前債不還,後債又來,累積多了,當然就有壓力。因此,即使辛苦,當辦的事把它辦了,不逃避、不拖延,就能減少工作帶來的壓力。


第二、忍耐,不顧忌批評:有些壓力是從他人的意見、閒話、批評、毀謗等等而來。若沒有判斷意見的智慧,沒有不理閒話的從容,沒有接受批評的勇氣,沒有忍受毀謗的能量,自己沒力量來擔當、處理、化解,就是沒有忍耐力,這些負面的情緒,就會是很大的壓力。因此,解除壓力,必須有忍耐力,要能不顧忌他人的批評、毀謗。


第三、勇敢,不過度自責:有時處理事情,忙中有錯,不免會自責懊惱。過度自責也會形成壓力。《禮記》說:「力行近乎仁,知恥近乎勇。」只要不是習慣性的粗心大意,或心不在焉,怠忽職守,而是不小心犯錯,能夠勇敢承擔錯誤,盡力彌補,警惕自己知過悔改,也就不要太過自責。


第四、放下,不患得患失:有壓力,就是放不下,什麼東西都擺到心上。將名利地位放在心上,名利地位就是你的壓力;將金錢愛情放在心上,金錢愛情就是你的壓力;將人我得失放在心上,人我得失就是你的壓力。能將這些身外之物看淡、看輕,不患得患失,壓力自然就會不見了。


有經驗的人在栽培豆芽菜時,會在綠豆上放一塊砧板,有了砧板的重量,豆芽會長得又胖又壯;鯰魚是四破魚的天敵,在運送四破魚時,如果在魚箱中放進一條鯰魚,可提高四破魚的生存率。可見壓力也是成長的要件,因此要樂觀面對,適度紓解,不須太過擔心害怕。

第一、勤奮,不故意拖延。
第二、忍耐,不顧忌批評。
第三、勇敢,不過度自責。
第四、放下,不患得患失。

(摘自於星雲法語4-如何度難關)

by 趙永祥 2015-09-04 20:21:07, 回應(1), 人氣(2390)


往事百語59
什麼都是我的,什麼都不是我的
 2015/9/4|作者:文/佛光山開山星雲大師|點閱次數:986|環保列印 
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  • 1991年於法國巴黎古堡 圖/佛光山提供
  • 佛光山大雄寶殿成佛大道 圖/佛光山提供
  • 大師於澳洲南天寺召開「國際佛教僧伽研習會」。1995.10.7 圖/佛光山提供
  • 為了讓佛教法脈永續,人才世代交替,大師將臨濟宗48代法脈傳授給第49代、佛光山第二代的心平和尚。1985年 圖/佛光山提供
  • 大師應妙蓮長老之邀,前往南投靈巖山寺主持「大雄寶殿落成及佛像開光典禮」。1996.1.13 圖/佛光山提供
  
文/佛光山開山星雲大師 圖/佛光山提供

本文作於一九九五年(民國八十四年)八月

我的一生都是在苦難中成長,在我呱呱墜地時,一九二七年,北伐革命的戰爭已經進行得如火如荼,在漫天烽火中,一家人過著顛沛流離的生活,幾乎在內戰中結束小命;十歲那年,中日戰爭的爆發,我們又開始四處逃亡。十二歲出家後,我到各個名藍古剎參學,跑遍京滬一帶的叢林。二十三歲時,國共相抗,神州板蕩,我從棲霞來到宜興,又從宜興到南京,輾轉播遷台灣,此後,再度過一段浪跡天涯的日子。長途跋涉,經常移徙的體驗,使我在弱冠之齡就感悟到:「世間上什麼都是我的,什麼也都不是我的!」所以後來我無論走到那裡,都能隨遇而安,隨喜而作,因為普天之下,只要你容他,他就是你的;你不容他,他當然就不是你的。

奉獻社會 享有而不占有

不經意回首,輕舟已過萬重山。我從台灣北部走到台灣南部,一路行來竟是麗日風雨兼而有之,對於宇宙萬象的體驗,我依然覺得:「如果用入世的眼光來看,什麼都是我的,其實什麼都不是我的;如果用出世的態度來看,什麼都不是我的,其實什麼都是我的。」太執著於擁有的人生固然辛苦,太放棄、太空無的人生也未免過於晦澀,最好是能將兩者調和,以出世的思想做入世的事業,以享有而不占有的觀點來奉獻社會,才能為自己、為大眾鋪設一條康莊的人生大道。

因此,當有青年向我乞求剃度出家時,我總是先問對方:「佛光山是誰的?」如果他毫不猶豫地回答:「師父!如果我在佛光山出家,佛光山當然是我的!」這句話就算通過我初步的考核了。因為唯有覺得常住是我們自己的,每個人才肯奉獻身心,安住求道,寺務才能日益興隆;唯有覺得師兄弟是自己的,才肯包容他們的缺點,成就他們的長處,大家才能和樂相處。

每次我在佛光山巡視散步,當我駐足在西來泉❶畔,聆聽淙淙溪聲,彷彿看到早年洪水爆發時,師徒們合力以身擋水的壯觀場面;走到大雄寶殿前的成佛大道❷上,又好像見到當年大家在烈日雨水下,拿著鐵尺,就著未乾的水泥地刻畫紋路的辛苦情景。

常住需要 義不容辭建言

三十年來,因為我們將佛光山看成是自己的,所以才能眾志成城,將蓁莽未啟的荒山開闢成莊嚴殊勝的淨土。唯有覺得一切都是我的,才能產生源源不絕的動力。希望我的徒眾都能時時把「佛光山是誰的」當作話頭,努力參究。

佛光山既然是我的,當然也屬於大眾每一個「我」的,因此從開山以來,所有設施都是隨順信徒所需而興建,一切重大計畫都是經過大家開會來決定,乃至典章制度裡的每一則條文,也莫不是在公開的場合中通過公布。一九八五年,我依章程退位,將住持之職交由第二代接棒,許多信徒前來哭跪請留,都無法挽回我堅決的意向。經云:「依法不依人。」大家是否都能在平等的「法」中,看到佛教的本質與未來?

是的,佛教主張「法不孤起」,所以既不執著一法一人,也不捨棄一法一人,正因為佛教的本質如此,因此才能結合眾緣,不斷突破,創造遠大的未來。我雖然已經退位,不是住持,但我還是徒眾口中的師父,還是佛光山的一分子,因為師父是永遠不會退位的。所以當常住需要我時,我還是義不容辭地提出建言;當弟子請求我時,我也願意為大眾排難解紛。

不執不捨 戮力振興佛教

對於佛教事業,我也是本著這種不執不捨的精神,戮力以赴。出家數十年來,從撰寫文章到辦小型報紙❸,從建設道場到創興學校,從街頭巷尾佈教到國家殿堂講經,從數十人小型的座談會到幾萬人大規模的活動……,凡是有益於振興佛教的工作,無論是不是我來主辦,只要有人邀請,我一定樂意前往,共襄盛舉。

不管那一家佛學院找我教書,我都覺得學生是自己的,所以傾囊相授,毫不私藏;當他寺邀請我主持僧伽講習會時,我也未曾將學員看成是外人,所以一律有教無類,行無量法施。隨從的弟子說:「師父竟然把全部的祕笈交給別人了!」記得《六祖壇經》中,曾記載一位同參道友質問惠能大師:「上座還有密意否?」惠能大師回答說:「密意盡在汝邊。」對方聞言大悟,慚愧作禮而去。所謂「事無不可對人言」,真理遍滿法界虛空,毫無密意可言,只看我們肯不肯留心觀察罷了。

從大陸到台灣,我每到一地,都把一切看成是自己的,那裡可以學習,我就前往那裡請益求教,那裡需要幫忙,我也盡心盡力地為其服務,所以叢林四十八單職事,我樣樣知道。在參禪念佛方面,我也曾有萬物俱泯的境界;對於宗下、教下、律下的義理儀規,我固然了然於心;對於各個教派道場的歷史淵源,我也是如數家珍。但是所有這些都不是我個人的,所以只要有機會,我也很樂意與大家分享。

自他不二 別人事即己事

至於友寺的制度,我向來採取尊重原則,然而一旦求教於我,我一定幫忙解決,因此朝元寺興建朝山會館時,我親赴指導規畫;靈巖山寺打水陸,我也派弟子前往參加;其他如東淨寺、雙林寺的法會活動,我都督促徒眾熱心支持。弟子偶爾向我訴苦,自己道場的活動都已經忙不過來了,還要插手管別人的事。我最不高興聽到這些話,於是反聲相詰:「什麼是別人的事?」

佛陀等視一切眾生如佛子羅睺羅,我們以佛陀為本師,自應追隨效法。近百年來,佛教之所以衰敗,不就是因為派系之間妄自分別,貽誤後人嗎?實際上,我們生活在這個世間上,拈起一毛,萬法皆隨之而生,所以,自他不二,人我一如,別人的事其實就是自己的事,如果我們能常作如是想,又那裡會有忙閒、好惡的分別呢?萬法一如,眾緣一體,這是佛陀的本懷啊!

出家以來,曾經遇過一些人前來問難,他們指著儒家所說「不孝有三,無後為大」、「身體髮膚,受之父母,不敢毀傷,孝之始也」等文字,駁斥出家披剃之非,顯然是以辭害義,不明就裡所造成的偏差意識。記得一九六二年,蘭陽救濟院因經費不足,即將關門,我當時雖然自己也是捉襟見肘,但基於一份惻隱之心,伸出援手,應允接管,這一來不知解決了多少無依老人的食宿問題。我深深感到:假如把天下的老人都看成父母,未嘗不好。是自己的父母,未必像自己的父母;不是自己的父母,有時比自己的父母更好。所以是自己的,有時不是自己的;不是自己的,有時反倒是自己的。

虛空之中 一切萬象俱全

早年,一些人經常將一些路上拾來,不知姓名住址的小孩送來佛光山,我蓋了一座育幼院收容他們,後來在報戶口的時候,戶政機關不肯接受,我見主管院務的職事深怕繼承財產問題會為日後惹來麻煩,一副左右為難的樣子,所以又自願將他們歸在我的戶籍下,跟著我的俗姓「李」來取名字,並且送他們上學讀書,使得他們不致流落街頭,如今都一一長大成人,服務社會。

我覺得如果大家都能將天下的父母視為自己的父母,將天下的子女視為自己的子女,什麼人都可成為我們的親人;如果沒有愛心,親人也會形同陌路。所以世間上的人可以是我們的,也可以不是我們的。我有千人以上的出家弟子,個個都比一般人家的兒女更好。我在榮民總醫院開刀,做心血管繞道手術,真是有幾百人排班侍候。我沒有兒女,但像有更多的兒女。所以我很確定什麼是我的,什麼不是我的。其實只要心能包容,一切眾生都是我們的,一切法界都是我們的。

我們以為身體是我們的,其實身體是四大五蘊積聚的;我們以為財富是我們的,其實財富是五家共有的;我們以為兒女是我們的,其實兒子是媳婦的,女兒是女婿的;我買的土地供他人建房屋,我建的房子供他人住,甚至於歷經千生萬死建立的江山朝代也都可以更換。看得破的人,什麼都是我的;看不破的人,什麼都不是我的。我一向提倡「以無為有」,我擁有「空」,看起來什麼都沒有,其實空即是色,色即是空,虛空中不是一切萬象俱全嗎?

回報深恩 等視一切眾生

一九四九年,我從大陸到台灣來,連衣履都不全,看起來什麼都沒有,到今天我感到世界都是我的。有人說可惜我出家了,不然就像王永慶一樣。其實王永慶被譽為經營之神,在財富上如何能跟他相比?但可以說他擁有實質財富,如六輕、南亞、台塑等,而我所擁有者,則是無形無相的三千大千世界。

披剃五十年來,我對母親的孝心恆久不變,對其他親友也總是量力接濟,只是我有自己的原則與方法。有的徒眾看我對於苦難者的求助慷慨解囊,對於親人的需索反而思前顧後,心中百思不解,於是前來問我,言語中帶有不平之慨。我回答他們:「因為我不認為親人是我的,更不覺得苦難者不是我的。」

當我們行走街頭,目睹貧富貴賤、少壯老弱,和我們擦身而過;當我們踏青野外,但見走獸爬蟲、飛鳶游魚,與我們相視對看,焉知何者不是自己過去世裡的父母親眷?究竟誰是我的?誰又不是我的呢?所以,該給的,我萬金不惜;不該花的,我一毛不拔。唯有等視一切眾生,拔苦與樂,才是真正的回報深恩,因此我發願生生世世來此人間,學佛行道,度脫有情。

曾經有人和我說:「為什麼對那麼頑劣的徒弟,還要煞費心機?」我想,就是因為他冥頑不靈,我才要多花心思,將他導向正道。子女再不好,幾曾看過為人父母者嫌惡捨棄呢?樹上的葉子掉落下來,因為不是「我的」,所以一點也不感到疼惜;身上的皮肉受傷化膿,因為是「我的」,所以每天用心敷藥包紮。如果我們能將眾生視為自己的眼耳鼻舌、手腳四肢,就會珍惜每一個因緣,心甘情願地為對方付出一切。

走訪各國 視當地為家鄉

前些日子,一名信徒恭敬地捧著一個破舊的紅包袋給我,靦腆地說道:「它已經在我口袋裡放了三年,每次您都來去匆匆,沒法子送給您,今天總算讓我遇到了。」對於信徒的厚愛,我真是感激不盡,但是我的確打從心裡將信徒看成是整個佛教的,從未視為個人所有,因此每次主持皈依典禮完畢,我總是趕快離開,恐怕沿途受人跪拜;每回大座講經下台,我也是瀟灑而去,不帶走一個掌聲。但是只要大家有困難找我,我一定為他們解決。

經云:「所有眾生,我皆令入無餘涅槃而滅度之,而實無有一眾生得滅度者。」又說:「眾生眾生者,即非眾生,是名眾生。」唯有保持一顆無所得心度眾利生,我們才算是真正擁有了一切的眾生。

所謂「國家興亡,匹夫有責」,我雖然「出家」,但並沒有「出國」,因此我從不放棄國民應盡的義務,政府舉行選舉的時候,我去投票;中央邀請我在全國大會上出席說話的時候,我挺身建言;甚至我做不請之友,為紓解兩岸緊張關係而穿針引線,為拓展國民外交而周遊海外。但是我不逢迎達官顯要,也不攀緣權親貴戚,因為國家社稷是我的,所以我必須盡忠職守,而功名富貴是過眼雲煙,並不是我的,何必汲汲追求?

一九四九年,我來到台灣以後,本省人一直喊我是「大陸來的和尚」;一九八九年,我首次返回一別四十載的家鄉,行至大陸各地,大家卻都說我是「台灣來的和尚」,一時之間,我突然對於自己應該隸屬那裡,感到模糊起來。後來我走訪各國弘法,才發覺自己每到一地,都將當地視為是我的家鄉,所以我睡得安穩,吃得自在。

做地球人 將己奉獻眾生

白人的胡睛碧眼,固然清新大方,黑人的黝膚捲髮,看起來也美麗高貴,歐洲的古堡令人發思古幽情,非洲的森林也頗具原始風味。只要我有一顆汎愛大眾的慈悲心,又何必自我設限,將自己侷促於某一個國度裡呢?於是我立意要做一個「地球人」,把自己奉獻給全世界的眾生。因此,我在海外各國建設數十家道場,成立世界性的「國際佛光會」,希望凡是與我一樣有國際觀的同好,都一起來擁抱地球,為世界的和平安樂攜手合作。

我們的心胸有多寬廣,就能包容多少事物,所以身體固然是我的,國土、眾生、地球也都是我的,甚至只要我們具足慈心悲願,立意直下承擔,整個宇宙都是我的,然而一但放下萬緣,就是自己身上的一毫一髮,乃至坐擁三千大千世界恆沙七寶,也都不是我的。所以應該有無量喜捨,普施回向的度量。

過去秦人遺失一把寶劍,不但不懊惱,反而說道:「天下人失之,天下人得之。」這麼一轉念,不但寶劍沒有失去,而且還擁有了全天下,何其樂哉!失去與擁有,包容與喜捨,其實是一體的兩面,唯有將兩面結合起來,我們才是真正地提起了全部。所以我們在世間上生活,若能同時具備「什麼都是我的」胸懷,與「什麼都不是我的」雅量,才能如行雲一般舒卷自在,像流水一樣任運而行。

【注釋】

❶ 位於佛光山普門中學舊校地。興建大佛城時,攪拌水泥所用的水,即從此出。當時由大眾一桶桶接力送抵大佛城。

❷ 建大雄寶殿前的成佛大道時,正逢佛光山經濟最困難時,大師率領徒眾,忍著水泥侵蝕之痛,用手將一塊塊石板鋪上,將一條條線刻劃出來。總計有四百六十四塊石板,二萬七千八百四十條線。

❸ 指《覺世》旬刊。初時,為每十天發刊一次的四開型報紙。
by 趙永祥 2015-09-04 08:50:35, 回應(0), 人氣(2710)



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by 趙永祥 2015-08-27 20:58:33, 回應(0), 人氣(1463)



【往事百語53】拒絕要有代替

 【作者:佛光山開山星雲大師】 

   Date: 2015-08-27


我的弟子除求學的以外,大部分都分布在佛光山海內外各個別分院及事業單位,從事弘法利生的工作。他們克盡厥責,熱忱有餘,但由於方便不夠,有時讓信徒難過而不自知。有鑑於此,我在佛光山的一次徒眾講習會中,語重心長地告訴大家:「什麼人能幹,什麼人不能幹,從一個小地方就可以看出來。凡是能幹的人,叫他做什麼事,他大部分都是承諾:『OK!OK!』『沒問題!沒問題!』不能幹的人則推三阻四,事事拒絕:『這個不對,那個不可行。』當然有很多事情實在不容易做到,但是我們在拒絕的時候要有代替,不要讓對方難堪,而且要時時想到給別人一個助緣。」一年之後的徒眾講習會,許多回山的弟子們告訴我:他們秉持「拒絕要有代替」的方針來待人處事,不但得到許多讚美,而且使道場的法務蒸蒸日上。在欣慰之餘,回想自己數十年來,因為秉持「拒絕要有代替」的處事方針,不知結下多少善緣。

二、三十年前,經常有信徒的子弟來找我,希望我能為他們介紹一份工作,或者推薦他到某機關任職。那個時候人浮於事,要找一份差事很不容易,更何況自己也不知道幫他介紹的工作適不適合,更不知道他的耐心、恆心、毅力究竟如何,但是基於和信徒之間的香火因緣,總想要助他一臂之力。於是千辛萬苦,打聽聯絡,穿針引線,好不容易幫他找到職業,趕忙去通知他,不料對方卻說:「不要了,我已經在別處上班了。」我當時心想:自己白費一場心也就算了,但是對機關主管失去信用,要我如何交代呢?他們也是賣一個面子啊!這種情況幾次以後,再有人找我介紹工作,我心裡雖也起了警覺,但輕言「拒絕」,斷了別人的信心,總是於心不忍,所以我想出了一個「代替」的辦法告訴他:「你先看報紙的尋職欄,或者我提供一些資料給你,你認為這個職業和你的能力、興趣吻合,就自己打電話過去。」對方往往說:「不行啊!他們不認識我,又沒有人介紹,不會採用我的。」我告訴他:「你可以向機關行號的主管介紹自己的專長,並且說:『我讓你試用兩個月,兩個月以後,如果你覺得我可以用,再續用;如果你覺得我不適合,我就走。我是來讓你試用的。』老闆聽說你是來讓他試用的,他不需要負什麼責任,也沒有人情負擔,就會試用你。如果你能經得起試用,可能就會一帆風順,前途光明;如果你經不起試用,那就得重新調整自己,重新學習。」經過我這一番分析說明,年輕人求職大都能無往不利。

創建佛光山以來,最常見的是一些夫妻吵架,其中一方負氣離家出走,或者一些小孩被師長責罵,在羞愧懊惱下不告而別。他們常常一來山上,就請求出家,這種情況當然不能收留,但如果一口「拒絕」,不但無法幫助對方解決苦惱,而且如果這個人再一走了之,可能一家人都會因此而陷入悲傷的情境,所以我採取「代替」的方式,在談話中得知他的住址、電話,悄悄地和他的家庭聯絡。結果家人聞訊趕來,一番懇談之後,夫婦和好如初,父母子女重逢相聚,每次看著他們歡歡喜喜地攜手下山,心中的欣悅真是不可言喻。

也有一些人來山找工作,要求長期掛單,但他本身沒有一技之長,而山上又不缺員工,我總是以關懷「代替拒絕」,先請他喝茶、用飯,等他吃飽了,再和他詳談,以鼓勵的言語勸他奮發向上,並且建議他可以先到某某地方做一個短期的幫工。雖然一時無法達到他的願望,但是因為我們的誠意讓他心裡感到很溫馨,所以往往讓對方言謝而歸,同時也結下一個美好的法緣。

常有一些慈善團體向我化緣,如果當時身上有錢,我十分樂於隨喜,偏偏我生性沒有儲蓄的習慣,經常這手收到的供養金,那手又拿去布施結緣,因此經常有出手不便的時候,但又不忍心讓他們空手而歸,這時我趕快搬出自己的著作,請對方拿去義賣,這樣一來既可以滿足來者的需要,又能流通佛法,豈不比斷然「拒絕」更為美好?

一生之中最困窘的是別人向我告貸,因為實際上佛光山開山三十年來,都是在「以無為有」中度日。龐大的弘法事業所費不貲,我們的每一分錢都是用在刀口上,但有多少人能真正瞭解呢?許多人只看到外表的富麗堂皇,卻沒有想到背後有多少不為人知的辛酸血淚。然而念及偉大的佛陀尚且不逆人意,我區區凡夫,福薄德淺,豈能隨意「拒絕」,傷害人情?因此我總會準備幾十元美金或幾千元日幣帶在身邊,當有人提出借錢的請求時,我便直言相告,只有將儲蓄的外幣以為捐助,這樣一來,既滿足了對方的請求,也不致彼此難堪。多年以來,或許正因為我向來和任何一個人都沒有借貸關係,互相不倒債,所以情義都能維持得十分長久,想來也是人生一得。

在台灣四十年來,不少報章雜誌向我邀稿,我向來竭盡己力,滿人所願;但近幾年四處弘法,實在抽不出時間,在抱歉之餘,我和對方商量,拿其他地方用過的稿子登載,這種「代替」的方式總能蒙獲對方的諒解。最近電台、電視台爭相邀請我到現場節目中講話,由於法務倥傯,無法排出行程,然而我生性不喜「拒絕」別人,所以只有問對方是否可派弟子前往「代替」受訪,以求兩全,不料有時卻遭對方「拒絕」,有一次「真相電視台」的節目負責人對我說:「他的知名度沒有你的響亮,無法『代替』你。」我也只好徒呼無奈了。

我到世界各地走訪,只要有片刻時間,就到信徒家中做家庭普照,為他們祝禱開示,有一回信徒喜出望外,搬出卡拉OK來招待我,雖說與一襲僧裝不甚相宜,但念及他的一番好意,不忍拂逆,我告訴大家:「可以利用這種現代化的設備來唱誦法語讚偈,將佛法弘揚開來。」說罷,便告辭離去。信徒聽到我的讚美,知道佛教現代化的重要性,對於寺院道場更加護持。這樣的方式不是比嚴厲「拒絕」還要好嗎?還有一次,我應邀作客,主人指啤酒為汽水,舉杯向我表示禮敬,我不明言拒絕,以茶「代」酒向大家回敬,並且藉此機會說明茶與佛教之間的關係。如此一來,餐會氣氛不致尷尬,大家也能從中得到佛法的受益,豈不妙哉!

在雲遊行腳時,所遇到的偶發事件不勝枚舉,但只要抱持一顆靈巧的慧心,以其他方式來「代替拒絕」,都能得到皆大歡喜的結局。像有一次,信徒臨時起意,帶我去拜訪他的一個朋友,卻發現手邊沒帶禮物,我以好話來「代替」,沒想到對方竟因為這一席話而感動,皈依在三寶座下。還有一次,住在桃園的道友帶我去慈湖謁陵,手邊沒有鮮花,我們以誦經來「代替」,護衛的憲兵也十分歡喜地接受。到大陸弘法時,導遊帶我們到北京的國父衣冠塚前致意,我們以一曲〈國父紀念歌〉表示禮敬;後來參觀西湖的岳飛廟,我們又齊聲高唱〈滿江紅〉,這些「代替」的方式讓當地的地陪人員,包括中國佛教協會祕書長蕭秉權先生在內,都耳目一新,同感驚喜。

隨著弘法的腳步越加拓寬,信徒日益增加,送來的禮品堆積如山,這是我心中最不歡喜的事情,但自忖信徒也是基於供養三寶的誠意,實不忍難色「拒絕」,所以我想到一個「代替」的方法,凡收到紅包,我言明會代為轉給常住;凡收到禮品,我也立刻交代侍者交由常住處理。信徒目睹,下一次就不會再送給我個人,而知道要直接捐贈給寺院道場,這樣一來,我樂得無事,對於僧信二眾來說,也是一種最好的身教。

承蒙政府及民間團體的青睞,經常邀請我出來舉辦公益活動,其實佛光山本身的弘法事業也是十方來十方去,社會大眾若能集合群力,必能造成更大的影響,因此我總是提議大家一起來。現在社會上所謂合辦、承辦、協辦的風氣鼎盛,雖不敢說是自己首開先河,但是在推動上應有助成之功。所以直言「拒絕」即使有再好的理由,都是下下之策,若能以積極的方式「代替消極的拒絕」,才是自利利他之道。

「代替拒絕」不是簡單的表面功夫,必須打從心裡先不要有抗拒、排斥的念頭,從而平心靜氣面對問題,尋求解決之道,切忌魯莽行事,遷怒別人。記得三十多年前,我初到宜蘭弘法,一位姓鄭的警察專門和我為難,我講經說法,他要我向他報備註冊,否則不准開講;我罄其所有,買了一台日製幻燈機作為教學道具,又忍痛被他沒收。總之,這樣也不可,那樣也不行,讓我不知如何是好。有一天,宜蘭縣警察局分局長前來向我商借「宜蘭念佛會」,作為警察甄試的考場,我一口答應,給予種種方便,後來他得知屬下對我們諸般為難,第二天,就將這位鄭姓警員調職,從此我們的弘法工作逐漸進入佳境。

十多年前出國弘法,經常遇到海關人員的刁難,他們把行李一一撬開檢查不說,還東問西問,有一句答得不好,又得到另一處接受調查,往往在海關待上半天還出不來。如是數次之後,我想自己應該主動出擊,避免別人的「拒絕」,因此學了幾句英文,每次一到海關,就先面帶微笑和大家打招呼,「Hello!」「How are you?」「Good evening!」「Thank you!」不絕於口。果然,通關時就順利多了。

「拒絕」不好的後果,必須先用好因好緣來「代替」;「拒絕」積弊已久的問題,則應該以循序漸進的方式來「代替」。多年前,政府取締拜拜,舉國譁然,我為文主張以鮮花素果來「代替」;數年前,政府下令拆除違章建築,引起各地反彈,我建議「先建後拆」來「代替」「拒絕」的方式,俾使整頓市容的政策易於推行。近年來毒品氾濫,我配合政府的緝毒決心,舉辦「淨化人心七誡運動」 ,其中有一項「誡毒品」,我呼籲大眾應以關懷病人的心態來看待吸毒者,協助他們以正當的興趣、服務的精神、忙碌的工作、法喜的生活、信仰的熱忱來「代替」毒品。

最近,重大刑案踵繼發生,社會亂象頻仍不斷,李登輝總統大聲疾呼「心靈改革」,我認為「拒絕」不好的心靈應該先找尋「代替品」來治療病因,就如同正在戒煙的人以嚼口香糖來「代替」抽煙,正在戒酒的人以喝汽水來「代替」酗酒,一旦煙酒戒除成功,不用代替品也能悠遊度日。所以,在舉世轟動的「白曉燕命案」發生之後,國際佛光會推出「慈悲愛心列車」運動,我提倡以喜捨「代替」貪欲、以慈悲「代替」瞋恚、以明理「代替」愚癡、以尊敬「代替」我慢、以正見「代替」邪信、以勤勞「代替」懶惰、以惜福「代替」奢侈、以讚美「代替」責備、以感恩「代替」懷恨、以誠實「代替」妄談,我相信如果我們能切實做到,久而久之,必能將心中本自具有、不垢不淨、聖凡一如的平等佛性闡發出來,屆時大家都將生活在一片佛國淨土當中。

諸佛菩薩及高僧大德們最會利用各種善巧方便來「代替拒絕」,像《法華經》中,釋迦牟尼佛不從否定上教人「拒絕」貪愛邪見,而「代」之以三乘教法;《淨名經》中,維摩詰大士不從消極上教人「拒絕」世俗之樂,而「代」之以法樂的施化。提婆菩薩親近信奉邪道的南天竺王,以參政輔佐來「代替」一般行者「拒絕」、輕視的態度,結果舉國人民皆被度化;盤珪禪師收留人人唾棄的小偷,以愛心「代替」一般人「拒絕」、默擯的態度,結果使得佛門多了一位龍象。每次披覽聖典,讀到古聖先賢慈悲度眾的史蹟,都令我感動涕零,後來我自己收徒度眾,更深深感受到「代替」法門的無限妙用。

記得過去我擔任佛學院院長時,曾有學生請求不要那麼早起床、就寢,希望能有多一點時間念書,我自忖有理,立刻改良傳統的課誦程序,將早課、晚課的時間縮短,這種「代替拒絕」的方式既不會動輒改變校規,又能滿足學生合理的要求,所以受到大家的歡迎。此後學生們心裡有事情,都歡喜找我訴說,而我也從中得知學生的學習狀況,彼此坦然相處,其樂融融。

有些學生讀書讀了半學期,興起回家的念頭,要求請假一個星期,我告訴他:「一星期太短了,我幫你請一個月的假,回家看看父母。」結果他們往往十天不到就回來繼續學業,從此不再戀家,而家長們看到兒女們在這裡生活正常,而且變得更孝順,更乖巧,自然也很放心地把子女交給我們。

有些青年男女抱持安貧樂道,弘法利生的理想來山學佛,但由於和來自不同環境背景的同學們格格不入,無法共處,因而萌生去意,他們前來找我,說道:「我實在很喜歡佛光山,捨不得離開,但是到佛學院念書又不習慣,怎麼辦呢?」我告訴他們:「佛光山有很多路可以走,你可以從事教育、文化、弘法、慈善的工作,不一定要讀書。」後來這些人很歡喜地留在常住做事,奉獻心力,表現得可圈可點。

有些弟子在好幾個單位都無法適任,已經到了調無可調的地步,他們前來找我的時候,我總是請他們自己選擇喜歡的工作地點,並且為他們從中斡旋,讓他們如願以償。由於我不輕易「拒絕」,而肯給予機會,結果他們大都能安住身心,勤奮辦道。所以我常覺得:我們對於一些行不通的事情,不一定要「拒絕」,如果能從另外一個角度來為對方多一點設想,給予「代替」的方法,讓他們自由選擇,往往可以獲得圓滿的結果。

在日常生活中,即便是一些不合理的行為,我也很少正面「拒絕」點破,而「代」之以啟發的方式,給予徒眾一些成長的空間。像有些剛入道的弟子一時俗情未泯,經常要求下山,我告訴他們:「可以下山,但要先學好五堂功課。」結果他們在道業上薰習日久,自然就不再喜歡憒鬧的都會。有些剛出家的弟子一心想到國外去學習,但條件又不具足,我和他們說:「必須先學會當地語言,才能請調國外。」這些人當中,有些知難而退,安守現有的崗位;有些則自知不足,從此更加努力。

做事遇到瓶頸在所難免,當這些單位求助於我的時候,我明知其中做法有誤,但自忖申斥「拒絕」只會讓他們畏事怕難,逃避責任,因此「代」之以討論、交流的方式,和他們一起解決問題,久而久之,大家都能從做事當中學習如何克服困境。

有許多人說:

「師父!您何必如此客氣,直接說明『拒絕』就好了。」當然,「拒絕」只要一句話,非常簡便,但是它具有很大的殺傷力,我寧願自己麻煩一點,找尋「代替」的方式,讓對方能夠接受,讓對方能夠成長。我每到一地,均十分留意當地的事物,數十年來,我發覺教育出問題的地方,往往在於父母師長習慣以「拒絕」的態度來對待下一代;而人際關係出了問題的人,大都在於他們經常用「拒絕」的方式來否定別人。所以在此奉勸諸位:要給人信心,要給人歡喜,要給人希望,要給人方便,即使不得已要拒絕的時候,也不要輕易的「拒絕」,而要「有代替的拒絕」;不要立刻就「拒絕」,而要能婉轉的「拒絕」;不要無情的「拒絕」,而要有幫助的「拒絕」;不要傲慢的「拒絕」,而要有出路的「拒絕」。

拒絕要讓對方感到歡喜,拒絕對方要有藝術。

(本文作於一九九八年(民國八十七年)二月)



佛光山新聞 人間通訊社
LNANEWS.COM

by 趙永祥 2015-08-24 23:38:48, 回應(1), 人氣(2668)


The comments of the issue "Risk Transfer" is often used in place of "Risk Sharing" in the mistaken belief



Edward Chao
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Edward Chao Governmental Counseling consultant, Small and Medium Enterprise Administration,Ministry of Economic Affairs,Taiwan.

"Risk Transfer" is often used in place of "Risk Sharing" in the mistaken belief

The term of 'risk sharing' is briefly defined as "sharing with another party the burden of loss or the benefit of gain, from a risk, and the measures to reduce a risk."

The term of 'risk transfer' is often used in place of risk sharing in the mistaken belief that you can transfer a risk to a third party through insurance or outsourcing. In practice if the insurance company or contractor go bankrupt or end up in court, the original risk is likely to still revert to the first party. As such in the terminology of practitioners and scholars alike, the purchase of an insurance contract is often described as a "transfer of risk." However, technically speaking, the buyer of the contract generally retains legal responsibility for the losses "transferred", meaning that insurance may be described more accurately as a post-event compensatory mechanism. For example, a personal injuries insurance policy does not transfer the risk of a car accident to the insurance company. 

The risk still lies with the policy holder namely the person who has been in the accident. The insurance policy simply provides that if an accident (the event) occurs involving the policy holder then some compensation may be payable to the policy holder that is commensurate to the suffering/damage.

Some ways of managing risk fall into multiple categories. Risk retention pools are technically retaining the risk for the group, but spreading it over the whole group involves transfer among individual members of the group. This is different from traditional insurance, in that no premium is exchanged between members of the group up front, but instead losses are assessed to all members of the group.

Dr. Chao (Faculty teaching in Nan Hua university, Taiwan)
9-Feb.-2015

James AndraeEdward ChaoNass Al Rayashi+63 like this
  • James Andrae

    This is spot on. In the 90s & (prior to GFC) companies "transferred" risks by buying or selling credit derivatives, only to discover that this strategy was only as good as the ability of the last holder to pay up on a claim. And so started the mini crash of developing countries especially Asia. The risks were at best transferred but created new ones in their wake. The credit worthiness of the counterparty. The best risk transferred is the one you don't have to begin with. It is all in the contract Ts & Cs. Get that right, accept what you have left and then look to optimise exposures.

    5 months ago
  • Edward Chao

    Dear James 
    I agree with your comments. In fact,the buyer of the contract generally retains legal responsibility for the losses "transferred", meaning that insurance may be described more accurately as a post-event compensatory mechanism. The best risk transferred is the one you don't have to begin with, but you have to take continuous care on it.

    Thanks for your comments.

    Edward

    5 months ago
  • Guan Seng Khoo, PhD

    That's why I prefer to use the term risk mitigation or response (which may not necessarily mean the risk can be totally eliminated) because in reality you can't really transfer risk (as risk is like energy) - it merely transforms into another form of risk, unless you are no longer the owner (or have the exposure anymore)!

    5 months ago
  • Edward Chao

    Dear Guan Seng Khoo, 
    Perhaps, risk mitigation or response is a better term to explain the meaning of "Risk Transfer", thanks for your comments in this issue.

    Sincerely, 
    Edward.

    5 months ago
  • Guan Seng Khoo, PhD

    Gam sia, Gam sia! I'm Hokkien (by dialect). Keong Hee Huat Chye!

    5 months ago
  • Donald J. Riggin, CPCU, ARM

    Folks, while I like philosophical discussions as much as the next guy, let's temper that with a dose of old fashioned horse sense. Guan Seng Khoo (above) said, "in reality you can't really transfer risk." I respectfully disagree. In reality, risk is transferred all the time. In theory, (as in quantum physics), risk may or may not be transferred. Or, it might be both transferred, and not transferred at the exact same time! (Was this one of Zeno's 4 paradoxes? Probably not.)

    "Risk transfer" is the only reasonable and acceptable description of the insurance transaction. It means moving a risk of financial loss, of whatever quantity or quality, from one balance sheet to another balance sheet. Moreover, the transaction is memorialized in a contract commonly accepted by both parties - the insurance policy.

    Yes, technically the transferred risk still lies with the policyholder, but in law that plays no part whatsoever. When counterparties (insurer and client) are engaged in a legal dispute, the notion that the client technically retains the risk is ignored for good reason. The payment of premiums (consideration) as prescribed by the contract issuer (insurance company) renders this technical argument moot for lack of applicability and materiality.

    Of course the insurance company could go bankrupt; technically, the insurer is a credit risk to its customers, but the likelihood of that occurring is usually extremely low. And even with enormous amounts of counterparty/credit risk, the transaction is still one of risk transfer; the quality (or lack thereof) of the risk-taking party doesn't change that fact. It might be a bad risk transfer, but a risk transfer it remains. Remember, counterparty risk is a matter of credit risk management, that's all. If the risk transfer fails for one reason or another, the risk holder will deal with it.

    The term, risk transfer, has been used in US Tax Court and US Supreme Court cases to describe an important concept. Risk transfer and risk distribution, are the generally accepted circumstances required for an insurance transaction to exist. (Insurance is not defined in US law.)

    Finally, 2 of the above posters said this: "the best risk transferred is the one you don't have to begin with." Huh? If you're right, every business in the world should cease operations, because that's the only way to not have a risk to begin with. I could go on…

    5 months ago
  • Edward Chao

    According to businessdictionary website said that there have two definitions on "Risk Transfer"

    * management strategy in which an insurable risk is shifted to another party (the insurer) by means of an insurance policy.

    * shifting through non-insurance means, such as a warranty. See also transfer of risk rule.

    (http://www.businessdictionary.com/definition/risk-transfer.html#ixzz3TkiQV3Mc)

    "Risk Transfer" had been commonly accepted in the underlying tenet behind insurance transactions. The purpose of this action is to take a specific risk, which is detailed in the insurance contract, and pass it from one party who does not wish to have this risk (the insured) to a party who is willing to take on the risk for a fee, or premium (the insurer).


    For example, whenever someone purchases home insurance, he or she is essentially paying an insurance company to take the risk involved with owning a home. In the event that something does happen to the house, such as property damage from a fire or natural disaster, the insurance company will be responsible for dealing with any resulting consequences.

    Risk transfer is a risk management and control strategy that involves the contractual shifting of a pure risk from one party to another. One example is the purchase of an insurance policy, by which a specified risk of loss is passed from the policyholder to the insurer. Other examples include hold-harmless clauses, contractual requirements to provide insurance coverage for another party's benefit and reinsurance. When done effectively, risk transfer allocates risk equitably, placing responsibility for risk on designated parties consistent with their ability to control and insure against that risk. Liability should ideally rest with whichever party has the most control over the sources 
    of potential liability.

    In addition, in today's financial marketplace, insurance instruments have grown more and more intricate and complex, but the transfer of risk is the one requirement that is always met in any insurance contract.

    According your recognition, the term, 'risk transfer' has been used in US Tax Court and US Supreme Court cases to describe an important concept. Risk transfer and risk distribution, are the generally accepted circumstances required for an insurance transaction to exist. I fully understand and agree. In our normal life, risk transfer is occurred in transaction behavior, the transaction is still one of risk transfer; the quality (or lack thereof) of the risk-taking party doesn't change that fact. We can understand that 'risk transfer' can be viewed as the reduction of risk to a position by buying an insurance policy or taking an offsetting position. For example, a person may reduce the risk of loss due to medical expenses by buying health insurance. Likewise, a person may reduce the risk of loss to a long position by entering an equal but opposite short position.

    I'm very appreciated with your professional viewpoints. Thanks for your comments about this issue,

    Sincerely, 
    Edward

    5 months ago
  • Guan Seng Khoo, PhD

    Thank you both. As long as all of us are comfortable with the "local" definition, without getting too detailed or preoccupied with the semantics, e.g., often CDSs create the illusion of risk "transfer", when in reality, risk transformation has its unintended consequences................, I'm happy to agree and disagree!

    5 months ago
  • Donald J. Riggin, CPCU, ARM

    Indeed, an interesting discussion. At the end of the day it's just semantics, as Guan Seng Khoo has observed. I'm quite familiar with the non-insurance methods of transferring risk, but I think that risk transfer, regardless of technique, is just one thing: Moving negative financial outcomes from one party to another.

    Think of the concept of risk having 2 separate and distinct properties, (1) potentially negative financial outcomes, and (2) one of the consequences of life: business activities, property ownership, driving a car, crossing the street, getting out of bed, and so on. All we can do is mitigate some of the negative financial consequences; insurance being the most prevalent risk transfer tool. The first property of risk is binary; the risk is either retained or transferred. Even the most onerous legal disputes between insurer and client as to whether or not a loss is compensable eventually settle if favor of one of the two litigants, (except Jaundyce v. Jaundyce).

    Regarding the illusion of risk as mentioned above; it's an illusion because in reality some risk transfer schemes are just as likely to fail as to not fail, such as a CDS. But a CDS, just like an insurance policy, does indeed transfer the financial consequences of risk to a counterparty, but its value as a risk transfer tool is a matter of degree. Compared to the security available through a highly rated insurance company, a CDS's volatility and susceptibility to market risk greatly reduces its efficacy as a pure risk transfer tool. If the risk transferor isn't aware of this, well, that's his problem.

    5 months ago
  • Guan Seng Khoo, PhD

    Thanks Donald. I guess where I'm coming from is when the term is used outside of the insurance industry as in the typical COSO ERM or ISO 31K framework, where it's often used in the context of risk "reduction", which I don't believe in, or in banking, when instruments in the banking book are transformed into the trading book, e.g., via securitization.

    But thanks again to everyone for sharing here. Have a marvellous week.

    5 months ago
  • Kathryn M Tominey

    Just a thought, legalisms aside, if you lack capability to perform mission (product or service) essential work and outsource you are still accountable to clients and shareholders. Many CEOs & mgt teams are indifferent to this as long as they collect their annual bonus - based on very short term results.

    You do remember why we had to bailout AIG don't you? Making book via naked CDSs without understanding underlying products which had ratings - arguably fradulent ratings - suggesting high quality.

    Anyone putting that much effort into acquiring financial insurance is sending a message about how much they believe in their product.

    5 months ago
  • Guan Seng Khoo, PhD

    Thanks, Kathryn, that's what I was alluding to in my CDS' comment, together with the roles played by monolines, e.g. AMBAC, etc.

    5 months ago
  • James Andrae

    Donald, very solid legal points. I love a good philosophical discussion. It is as always a matter of semantics and perspective. Our experiences may be different, I don't believe it makes either of us more right or wrong. It does however open the mind to other perspectives which is always a good thing.

    Insurance while a risk transfer mechanism actually creates other risks as you alluded. Credit, Legal, Cost, Timing. Kathryn above raised very important valid points. Perspectives, agendas, rorts, etc.

    Risk Management should always try to minimise reliance on the legal process if things go wrong. (This is why I spend way too much time analysing contracts). While the process marches along, in the meantime a company may be seriously negatively affected, face bankruptcy at the extreme, share price fluctuations, credit downgrades etc. Bonuses not paid, people fired. 
    It always becomes a matter of size of the insurance claim, 100K not much of a problem, $100M is often open to "debate" in the court system. My experience is that CEOs and Boards don't like the court process and always look for heads to roll.

    From a risk management perspective that's not good enough because of the domino effect on business' other activities that assume cash flows will be made whole in the proper time. Very few companies have a few "lazy" hundred million just hanging around. I repeat the best risk you have is the one you don't have and there are numerous examples from physical power plants to the financial markets. 
    In the financial markets, peculation aside, hedging can cause new and some unforseen linked risks. There is a famous issue now about a company being trading a commodity and having 40 - 50% of the liquidity in that market. They got it right, but could not get out of their trades. Greed. The best risk is the risk you don't have. Don't expect the market to accept losses when you are the major provider of liquidity. Stick to a lower threshold. If a company is that big that it needs 50% of the market liquidity then it need to review its operational risk management to account for the lack of reliance on the market hedges.

    The GFC and Asian Crisis were in essence, liquidity and counterparty credit issues on the whole.

    Power plants often have unexpected failures, these are insurable events. The major condition is the proper maintenance of the plant. One man's process is another man's negligence. We can understand that the insurance company will rightly want to verify everything before maybe paying. There are cases where a 1 week shutdown took 2 years and longer to pay. The claims are mostly for physical damage and financial loss. This could easily climb to $100M+ depending. Repairing a power plant may cost $5M the losses on a SWAP could be any amount perhaps a further $95M. No COB is keen on this sort of risk. 
    The best risk is the one you don't have. Solution don't over commit power plant transaction SWAPS such that if it failed apart from the burden of repairs you will also have the financial SWAP payments to make. There is nothing lost except for speculative revenue and that could go either way. 
    Building infrastructure creates volumes of possible risks to the owner. Power plants can be built by the power company or by an external engineering firm. This transfers most of the risks but some do remain. Two major risks are that the generator will not work to specifications, or be completed on time. The power company contract specifies Ts&Cs that if not met they simply don't accept the new generator. So the "lemon" risk as well as others are not theirs. The best risk is the one you don't have. 
    While your points are valid Market Risk Managers do not live in a post risk world but in a pre risk world.

    5 months ago
  • James Andrae

    It took some companies over 7 years to get paid 6c on the dollar after Enron failed. Reliance on the legal system, while just, did not make the participants whole. Insurance failures were kept commercially private so we will never know if the losses were covered or not. The best risk you have is the one you don't have. When the CEO and CFO of a fortune 50 company resign suddenly. Smart risk managers closed out positions and watched the debacle with amusement and got bonus. 
    If entering into a trade with a counterparty is reliant on a CDS for risk mitigation, then the best risk is the one you don't have. 1 don't enter into the trade to begin with. 2 Don't pay any bonus until the expiry or closure of the contract. Implement #2 and a whole lot of needless exposures are removed because the traders now have some skin in the game. 
    You stated “If the risk transferor isn't aware of this, well, that's his problem”. In a perfect world with perfect knowledge maybe. The global financial system is based on the blind hope that the other guy will “play by the rules” and be there to make you whole regardless of whether it is an insurance contract or swap. Blind hope because you can never see the true picture of the other counterparty, and, well, let’s leave the Credit Agency discussion to one side. It’s not only the illusion of risk but of transfer. The Transferors prior to the GFC had no idea who was really on the other end of the majority of the CDS deals. How was it their fault? 
    Market risk managers understand these limitations and on the whole tend to limit exposures as much as possible. 
    Of course you can't have no risks. You can even die in your bed sleeping. 
    But you should understand the domino factors in all risks and come back with the trade off scenarios and limit these whenever possible. 
    The point I think Edward is raising is to test whether risk managers understand that no risk is ever truly transferred or mitigated completely, so how do we live with that reality, post GFC. 
    I am certain that if the Central Banks and Finance Ministers had not stepped into the GFC, the global meltdown could have sent economies spiralling worse than the Great Depression. That was the risk they did not want to have. 
    They saved the world from calamity but also let some companies that could not be absorbed, fail. 
    This was the wake up call. Edward is asking if we have altered our thinking since.

    5 months ago
  • Edward Chao

    Dear James, 
    I'm very appreciated and respect that you always point out the key concepts and useful viewpoints within your comments on a issue. I got some hints and implications from your comments. I also agree with Donald's comments which said above, 'the concept of risk having 2 separate and distinct properties, (1) potentially negative financial outcomes, and (2) one of the consequences of life: business activities, property ownership, driving a car, crossing the street, getting out of bed, and so on. All we can do is mitigate some of the negative financial consequences; insurance being the most prevalent risk transfer tool.'

    I fully agree that your comments which said that "the best risk you have is the one you don't have and there are numerous examples from physical power plants to the financial markets." In addition, the global financial system is based on the blind hope that the other guy will “play by the rules” and be there to make you whole regardless of whether it is an insurance contract or swap.

    In fact, the domino factors in all risks and come back with the trade off scenarios and limit these whenever possible. According to my recognition, risk transfer is a risk management and control strategy that involves the contractual shifting of a pure risk from one party to another. I sometimes discuss with the professional risk-control managers whether risk managers understand that no risk is ever truly transferred or mitigated completely but I find that some managers will ignore cultural and human factors which plays important roles in risk managements.

    Thanks for Donald,Kathryn, Guan Seng Khoo, and your professional comments in this issue.

    Thanks all of you with sincerity.

    Sincerely, 
    Edward

    5 months ago
  • Kathryn M Tominey

    Guan - don't "allude" use plain clear language to expose these frauds, ratings firms enablers and issuers too lazy to do their homework. The impact of naked CDSs unregulated, invisible thanks to Sen. Phil Gramm, Robert Rubin & Larry Summers leadership. At least Art Levine was man enough to admit, publically, that he was wrong to oppose Brooksley's efforts to just look at derivatives.

    Buffett's latest letter really lays into the operators pushing transactions because fees are easy money.

    5 months ago
  • Guan Seng Khoo, PhD

    Kathryn, I've written one whole document and blogged on the issues in some of my publications & presentations in conferences for Riskbooks, etc. Hence, I merely don't wish to be long-winded here, esp. for readers who are familiar with the GFC. But, thanks anyway for raising it more granularly.

    5 months ago
  • Syed Adeel Hussain,MBA

    We as risk managers have to distinguish among Risk Controls, Risk Financing and Risk Retention Techniques. Risk Transfer is a Risk Financing Method, where you pay someone else to pay for your Unexpected Large Losses!

    5 months ago
  • Edward Chao

    Dear Syed Adeel Hussain,

    Your comments provide simple concepts but useful in understanding.

    I'm very appreciated.

    Edward

    5 months ago
  • Abdulwadud Mohammed

    Very insightful write up.

    Insurance is embedded in risk management.

    Real risk management is the prevention of loss. Insurance also practise risk management. Here, the company attempts to regulate the risk it underwrites as per probability of a claim crystallizing(no insurance company would underwrite a risk with 100% claim probability) or claims it pays upon crystallization.

    Like the author said, in the event that an insurance company defaults on payment upon crystallization of claim, the liability remains with the insured.

    Transferring or sharing risk should be combined with strong emphasis on prevention by embedding ERM in an organizational set up or adopting relevant credit support tools (a wide array is offered by Ace Depository) for banks, traders and financiers, in preventing actual loss.

    Prevention of actual loss rather than seeking to be indemnified upon loss is better for any business moving forward.

    5 months ago
  • Michael Allocco, PE, CSP

    RISK TRANSFER… 
    It is possible to transfer (most) risk to a 2nd party, should the appropriate risk controls be applied: 
    • A specialized contractor (2nd party) may be used to conduct a specialized risk task or operation; 
    • Contractual risk controls can transfer most of the risk to the 2nd party; 
    • The 1st party assures that the 2nd party implements and enforces the appropriate risk controls; 
    • There may be some limited co-liability (co-negligence) in the chain depending on the risk controls contractually defined and enforced.

    5 months ago
  • Edward Chao

    Michael, Thanks for your comments. You provide the necessary considerations concerning about the appropriate risk controls and transfer.

    Edward.

    5 months ago
  • Kathryn M Tominey

    Guan - how diplomatic you are, an excellent quality in risk mgt right up to when a 2x4 is needed to focus their attention.

    Oh, am I using correct convention for the part of your name to address you?

    5 months ago
  • Guan Seng Khoo, PhD

    Well, Kathryn, I've always been guilty of making short commentaries on LinkedIn, and often inadvertently created "cross-communications across different frequencies" with other parties on other discussion threads. If I interpret you correctly - part of my Asian heritage, where tai ji is often practised - notice how Americans like boxing (more "push") vs the Japanese sumo (more "pull"). I practise a hybrid of push-pull with a bias towards "pulling"!!! Nice to make your acquaintance tho' as a fellow scientist - I was a computational chemist once upon a time!

    5 months ago
  • Stjepan Anic

    Yes, it's really an apostrriori compensation mechanism rather than a pure risk transfer, and my experiance has thought me that repeated clearifications of various terms used in finance and risk management is often needed in order to maintain an understandable big-picture-view of the subject.

    5 months ago
  • Syed Adeel Hussain,MBA

    @Edward Thanks

    5 months ago
  • Edward Chao

    Very thankful to Stjepan Anic & Syed Adeel Hussain, this issue is concerning about my research in risk managements, therefore, I pay more attention on this issue.

    In addition, I'm very appreciated with James Andrae, who is a risk management specialist. His comments provide me more strategic implications and thinking methodology. I fully agree that James' comments which said that "the best risk you have is the one you don't have and there are numerous examples from physical power plants to the financial markets." In addition, the global financial system is based on the blind hope that the other guy will “play by the rules” and be there to make you whole regardless of whether it is an insurance contract or swap.

    Hoping you all can provide your comments and viewpoints into popular issues concerning about risk managements in risk managements online.

    Thank you all.

    Sincerely, 
    Edward

    5 months ago
  • Arslan Usmani CPPD MEnPrac MIEAU(RES,CES) MRMIA

    Ed, risk sharing and transfer both are sometimes misleading. If a pipeline contractor misses the delivery on time and you lost your 1 day production, what you do, do we tranfer the risk to him (liquidated damage only) but is this enough to cover your production loss but what about your commitment and good will. If you share risk what percentage of time, resouce and cost you sharev in order to bring things to the agreed deadline.

    5 months ago
  • Edward Chao

    Arslan, 
    Thanks for your comments and joining this discussion.

    Edward.

    5 months ago
  • Edward Chao

    In fact, some ways of managing risk fall into multiple categories. 
    Risk retention pools are technically retaining the risk for the group, but spreading it over the whole group involves transfer among individual members of the group.

    In addition, I would like to site from James' comments which said "the best risk you have is the one you don't have and there are numerous examples from physical power plants to the financial markets."

    5 months ago
  • Mohd Amirul Nazri Ismail

    Good financial standing of insurance companies is essential when addressing the risk transferring process. It can be a secondary risk when insurers are reported having difficulties in processing and settling claim. Some Banks are very particular on this when they assessed proposed project financing and had incorporated this in condition precedents (CP).

    5 months ago
  • Edward Chao

    Edward Chao

    Dear Amirul Nazri, 
    Very thankful for your comments on this issue.

    Kind regards.

    Edward

    5 months ago
  • Edward Chao

    Jeff Elias, Ph.D.

    I'd like to add that risk sharing can be very profitable for the group or association who are involved. 1st you need a good assessment audit as to the types of risks, organizations,the and firms' liquidity to qualify them to join the "association" risk pool. Using appropriate tools for assessment of the "potential" risks, can generate a cost savings, and structured properly as an "off-shore captive insurance association" (taking advantage of money hurdle rates) with streamlined, accurate and timely reporting, with effective claims management, training, and safety programs) could repatriate income back to the association in the form of reduced future premiums. As a note, off-shore domiciles have different "banking, LOC, liquidity, etc. requirements. These types of arrangements can also work for effective costefficient re-insurance markets, as well. Dr. Jeff Elias, Ph.D. HR & RM Consultant.

    5 months ago
  • Edward Chao

    Edward Chao

    Dear Jeff Elias,Ph.D.

    I fully agree with your viewpoints that you have mentioned 'Using appropriate tools for assessment of the "potential" risks, can generate a cost savings, and structured properly as an "off-shore captive insurance association" (taking advantage of money hurdle rates) with streamlined, accurate and timely reporting, with effective claims management, training, and safety programs) could repatriate income back to the association in the form of reduced future premiums.'

    Thanks for providing your comments.

    Kind regards.

    Edward

    5 months ago
  • Edward Chao

    Edward Chao

    According to my past studies,insurance is a both well-known and popular form of risk transfer to take into consideration, where coverage of a risk is obtained from an insurer in exchange for ongoing premiums paid to the insurer. Risk transfer can occur informally within family and community networks where there are reciprocal expectations of mutual aid by means of gifts or credit, as well as formally where governments, insurers, multi-lateral banks and other large risk-bearing entities establish mechanisms to help cope with losses in major events. Such mechanisms include insurance and re-insurance contracts, catastrophe bonds, contingent credit facilities and reserve funds, where the costs are covered by premiums, investor contributions, interest rates and past savings, respectively.

    Edward

    5 months ago
  • Edward Chao

    Marcelo Severino de Oliveira

    In short, we need to beware, always an eye on possible risks before it happened. 
    Because if all the losses are passed to insurers, there would be many insurers.

    5 months ago
  • Edward Chao

    Edward Chao

    Marcelo Severino Oliveira, 
    Thanks for your comments.

    Edward

    5 months ago
  • Edward Chao

    David Wilson

    We cannot be 'blind' to the need for our decision-making (and resultant actions) to be based upon information that is NOW accessible to us. 'Ignorance', due to a lack of the correct tools or techniques is understandable but, to ignore tools and techniques that enable informed decision-making, is beyond 'ineptitude'...an emerging GRC issue!

    'Causal Relationships': operational interdependencies and interactions within and among organisations are the sources of emerging risk and opportunity but, if unidentified, can be amplified, cascade and spread far beyond the points of origin...and 'feedback' as threats: unrealised - as increased uncertainty or volatility; realised - as correlations in data (reflexive - after the event).

    Unidentified and unmanaged risk does not dissipate, nor does the probability of occurrence, scale, duration or cost reduce...

    5 months ago
  • Edward Chao

    Edward Chao

    David, your viewpoints are acceptable in understanding 'Causal Relationships', whereas, if unidentified could be amplified, cascade and spread far beyond the points of origin. perhaps, if providing some examples you have ever met will be better to understand.

    Thanks for your comments.

    Kind regards.

    Edward.

    5 months ago
  • Edward Chao

    Ned Robins

    Fascinating discussion. The exchanges between Edward and Donald display two TOTALLY different philosophical points of view, with Edward focussing on "achieving things" and Donald on "paying for calamities". I must support Edward's point of view completely. When one takes out insurance one is NOT transferring ANY of the actual risk. Neither the probability nor the cost of the potential calamity is reduced by one single iota. Yes, the ownership of the cost of the calamity has been transferred, but doing this is COMPLETELY MISSING THE POINT of risk management!! If ever you have to make an insurance claim, the risk has OCCURRED. It is now TOO LATE TO MANAGE THE RISK. It is no longer a risk, but has become a fact. You did not transfer the RISK, you simply transferred the ownership of the RECOVERY STRATEGY implemented AFTER the risk ceased to exist!!

    Take Edward's example - house insurance...... You do not insure your house because you want to rebuild it. You insure your house because you like it AS IT IS and you do not want it to get damaged. If you have a house fire, yes you are very happy that you took out that insurance policy to pay the costs, but you are NOT actually happy!! Damnit - you have just had a house fire! Your life is totally disrupted. You have nowhere to live, all your things are burned and it will take ages to replace them. You would have been much better off spending the insurance money on fire precautions.

    Personally I think it is very sad when people measure life by how much money they make. Money should be seen as a means to some worth-while end, not an end in itself. Risk management should be a means to increase the probabilty of achieving something really worth doing.

    1 day ago
  • Edward Chao

    Edward Chao

    Dear Ned Robins, 
    Very thankful to your comments about the issue "Risk Transfer" is often used in place of "Risk Sharing" in the mistaken belief'. I fully agree with your practical points concerning about "achieving things" and "paying for calamities".

    The term of 'risk transfer' is often used in place of risk sharing in the mistaken belief that you can transfer a risk to a third party through insurance or outsourcing. In fact, when one takes out insurance one is not transferring any of the actual risk.

    Commonly, I have met some investors and/or house owners who usually think their life could be measured by how much money they make and wealth represents their social status and success. Therefore, I have the same viewpoints with you that money should be seen as a means to some worth-while end, not an end in itself. Risk management should be a means to increase the probability of achieving something really worth doing.

    Finally, I'm very appreciated with your viewpoints, and thankful to your comments.

    Kind regards.

    Edward.


by 趙永祥 2015-08-17 18:19:15, 回應(3), 人氣(3420)





PEST 分析為外在大環境之趨勢分析, 
SWOT 分析為本身實力與機會評估之自我分析,而五力分析即是進行策略規劃之五種影響企業運作的壓迫力分析。在【波特五力分析的合作觀點】我們也初步討論威脅的另一面向即是機會,因此轉換威脅成為機會是企業進行策略規劃的主要目標。此外,由於企業現況的瞭解與環境監控是企業競爭的主要依據,因此如何進一步整合相關監控指標成為一重要議題,本文進一步說明三者之關係,並以一統一觀點進行相關資訊整合。需要注意,上述觀點的最後目的還是要回到企業本身之 SWOT 分析,因此應以 SWOT 為最終表現形式。



優勢( S )與劣勢( W )

由企業競爭的角度來看,所謂的優勢( Strengths )與劣勢( Weaknesses )即是企業與其競爭者或是潛在競爭者(以某一技術、產品或是服務論)的比較結果,企業本身的優勢就是競爭對手的劣勢,而競爭對手的優勢就是本身的劣勢,因此優劣勢互為表裡。那要比較哪些面向呢?在文【大環境、小環境與科學算命】中我們已經初步說明即是企業經營中的五管,分別為生產、銷售、人力、研發與財務。如果進一步擴充則需要涵蓋商業模式(屬於經營決策部分),內部行政管理、企業外部投資行為、技術取得的模式與智慧財產權等法務議題等,其中上述每一議題均可進一步根據相關管理學書籍所需討論的面向進一步細分。換句話說,逐一比對企業本身與競爭者(及潛在競爭者)的每一項因素即可定義出何謂優勢與何謂劣勢。



機會( O )與威脅( T )

機會( Opportunities )與威脅( Threats )一般是指外在環境分析,亦是互為表裡,一方之機會即是另一方的威脅,其基本組成即是 PEST 分析,其中 P 為政治( Political )、 E 為經濟( Economic )、 S 為社會( Social )與 T 為技術( Technological )

當然, PEST 也有基本的擴展,包括擴展到 STEEP 與 PESTLE ,其中 STEEP 為 STEP 加上環境( Environment ), PESTLE 為 STEP 加上法律( Legal )與 Ethical (道德)。換句話說 O 與 T 至少可擴充到 STEEPLE ( Social 、 Technology 、 Economic 、 Environment 、 Political 、 Legal 與 Ethical )( steeple 亦有達到尖端之意)。從此外,從五力觀點來看, STEEPLE 還是屬於大環境之分析,因此還需加上除了競爭者與潛在競爭者(因為競爭者已經用在 S 與 W 分析中)之外的三力分析。

若是以原本波特五力分析的考量,此三力均屬於威脅( Threats ),然而我們已經在【波特五力分析的合作觀點】討論過,威脅與機會均是相對的,因此這三種威脅也可當成是三種機會。換句話說,此三力(上游供應商、下游買家、替代性技術)亦需要在機會與威脅中考量(可當成是企業經營的機會與威脅,與大環境 STEEPLE 對應),若進一步結合 STEEPLE 與五力分析,則機會與威脅所需考量面向可表於表一,其中替代性技術可納入原本 STEEPLE 中。舉例來說,京都議定書( Kyoto Protocol )限制二氧化碳排放即是環境對於企業本身的威脅;而隨著人民生活水平的提升,市民對於安全監控產品的需求增加,即時社會安全對於相關電子廠商的新機會;或是近日 TFT LCD 上游 CCFL 的缺貨,即是對於背光模組廠商或是面版廠商的威脅等。

PEST 分析,
P 為治(Political) 
E 為濟(Economic) 
S 為會(Social)
T 為術(Technological)



結語

表一提供企業進行策略規劃前對於自身能量瞭解的思考依據,可當成一檢查表( checklist )用以逐一考量與檢查。當然,如果是對於非營利組織( NGO )或是政府公部門,相關檢查內容會有所不同,也可依此架構持續進行。需要強調,上述內容僅當成自身與外在客觀環境的瞭解,最後還是回歸到企業本身策略規劃與執行,畢竟監控、瞭解與真正落實還是有很大差距。


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