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リスクファイナンスの具体的な手法

リスクファイナンスの具体的な手法

はじめに

リスクファイナンスの手法は経営環境・財務状況・ステークホルダー・リスクの取り方・求める商品性・具体的な手法などがあります。それらを踏まえていきながら最適なリスクファイナンスの方法を考えていきます。

経営環境

企業を取り巻く経営環境は財務状況やステークホルダーさらに企業の抱えているリスクそのものに密接に関係しています。顧客動向・売り上げ動向・経営計画といった自社の状況の変化や経済全体の動き・業界の動き・海外の状況・法律や税務さらに会社などの社会状況の変化といった外部環境の変化は企業の財務状況やステークホルダーなどの要請とリスクそのものの状況を変動させる大きな要素といえます。

財務状況

リスクファイナンスの検討にあたっては自社の財務的な耐力と状況を適切に管理していくことが大事になります。手元資金の把握や負債さらに資金繰りの状況はもちろんリスクの顕在化時の復旧に要する資金量さらに事業活動が停止する期間とキャッシュフーへの影響、さらにその際の財務的な耐性などを可能な限り数値化しておくことが望まれます。

こうした結果をもとに、リスクに備えるための必要資金量や必要となるタイミングなどを勘案しつつリスクファイナンス的な手法を検討することが望ましくなります。いざという時に備えて手元資金の積増しにより対応することも有効なリスクファイナンスにはなります。ただこの場合も資本効率の低下につながる点には注意が必要です。

ステークホルダー

リスクマネジメントではステークホルダーの存在が重要になります。各企業ではこのステークホルダーの性質や要求を勘案した上でのリスクファイナンスを行う必要があります。ステークホルダーには株主・債権者・取引先・地域コミュニティや従業員などがあります。

株主はリスク顕在化による財務的な資産の毀損及びバランスシートの毀損や利益の減少である期間損益の悪化すなわち「企業価値減少」を怖れています。特に外国人投資家はこの傾向が強く利益を直接生みださないリスクファイナンスへの取り組みには、その合理性を強く求めると考えられます。当期利益の確保や経営計画どおりの業績確保をより評価する傾向にあります。効果とコストのバランスの取れたリスクファイナンスの活用を求めています。

債権者は債権に係る企業の返済能力の維持と確保が最大の関心事になります。リスクを外部に移転することなどで返済資金の確実性を補完するようなリスクファイナンスの取り組みは多少がコスト高くなっても導入を要請する可能性があります。また株主からは過剰と思われるリスクファイナンスに要するコストも債権者からは正当化される可能性もあります。

取引先は企業の事業継続性を重視していきます。リスク発生後の復旧時間の短縮を求めるなどのリスク顕在化に備えた施策も含めて考えていきます。取引先は運転資金の確保なども含めたリスクファイナンスを含めた事業継続計画の策定などを求めています。

地域コミュニティや従業員は企業の事業継続で雇用確保を実現できます。また地方自治体にとっても税収などの金銭的な利益のみならずその他の社会的効用を得ることができます。これらの主体は企業のリスクファイナンスについては、必ずしも明確な目線を有しているわけではありません。ただ企業が倒産に向けた負のスパイラルに陥らないかどうかに強い関心を寄せています。

リスクの取り方

企業の抱えるリスクは多種多様です。発生頻度と損失の規模によってコントロールを行う必要があります。企業はまず種々のリスクの態様に応じて以下のようにリスクコントロールを行うことでリスクの低減に努めています。リスクの低減活動にどれだけ取り組んでもリスクを完全にゼロにすることは不可能です。こうした残余リスクに対しては財務戦略の一環としてリスクファイナンスを行っていくことが望まれます。

リスクファイナンスの導入には企業の抱えている残余リスクの定量化が重要となります。またリスクそのものを計量化して可能な限り対処すべきである残余リスクを定量的に把握しておくことが具体的なリスクファイナンスの手法の検討事項になります。

リスクとは大きく分けて4つが考えられます。損失規模が大きく発生頻度の高いもの・損失規模が小さく発生頻度の低いもの・損失規模が小さく発生頻度の高いもの・損失規模が小さく発生頻度の低いもの4種類です。

損失規模が大きく発生頻度の高いものは顧客ニーズの変化や景気変動などがあります。

損失規模が大きく発生頻度の低いものは地震や土壌汚染があります。

損失規模が小さく発生頻度の高いものは交通事故や商品の返品などがあります。

損失規模が小さく発生頻度の低いものは落雷や取引先の倒産などがあります。

地震や製造物責任補償などのリスク保険を行っているところはかなり限定的になります。特に地震は広範囲に影響が出て多くの企業が影響を受けますので額も莫大になります。このような場合の保険リスクの引受は限定的になります。

求める商品性と具体的な手法

企業は残っているリスクを引き受けるか社外に移転する形でリスクをコントロールしていきます。企業にとっては保有するリスクが大きくなればなるほどリスク顕在時の自社の経営や財務の基盤への大きくなってリスクの移転度合いを高めていくことでその影響は小さくなっていきます。

その他にも一定のリスクを自社内に保有していくことで社内のリスクマネジメント意識を高めていきます。このような形でリスクの低減を行っていきます。企業はこのような状況の中でも資本コストやリスクファイナンスに要するコストを勘案してリスクの保有と移転を適切に配分していく必要があります。またこのリスクを組み合わせていくことによって、戦略的なリスクファイナンスを実現することが可能となります。

リスクを保有する金融商品には自己資本・コミットメントライン・コンティンジェントデットなどがあります。

リスクを移転していく金融商品には従来の保険・保険デリバティブ・コンティンジェントエクイティ・CATボンドなどがあります。

リスクを保有又は移転する商品にはファイナイト保険・キャプティブなどがあります。

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