Majandusriski

Majandusriski (Estonian for "economic risk") refers to the potential for financial loss or instability arising from economic factors that can affect individuals, businesses, or entire economies. These risks encompass a broad spectrum of uncertainties that may impact economic performance, asset values, and financial stability.

Common types of economic risks include inflation risk, which occurs when the general price level of goods and services rises, eroding purchasing power; interest rate risk, where fluctuations in interest rates can affect borrowing costs and investment returns; and currency risk, or exchange rate volatility, which impacts international trade and financial transactions. Additionally, systemic risk—such as financial crises or recessions—can disrupt markets and economic growth, posing significant threats to stability.

Businesses and investors often assess economic risks through financial analysis, scenario planning, and diversification strategies to mitigate potential losses. Governments and central banks also play a role by implementing monetary and fiscal policies to stabilize economies, such as adjusting interest rates or providing stimulus measures during downturns.

Economic risk management involves identifying vulnerabilities, monitoring economic indicators, and adapting strategies to reduce exposure. For example, hedging techniques, such as forward contracts or currency swaps, can protect against adverse market movements. Understanding and managing economic risks is essential for sustainable economic growth and financial resilience.