Risk Management and Regulation

Author(s)	Kavya Thadhani, Prof. Dr. Sameer Kulkarni, Prof. Dr. Bhawna Sharma Padroo
Country	India
Abstract	Risk management is a fundamental element of modern financial and corporate governance systems. Globalization, increased technological integration, expansion of capital markets, and the growing complexity of financial instruments have drastically increased exposure to risk. Consequently, organizations must adopt comprehensive frameworks to identify, evaluate, mitigate, and monitor risks effectively. Regulations serve as standardized guidelines aimed at ensuring transparency, stability, and accountability across institutions. This expanded research paper explores the evolution of risk management, categories of risk, detailed methodologies for risk assessment, global regulatory frameworks, India’s regulatory architecture, and the integration of technology in modern risk systems. Real-world case studies—including the 2008 global crisis, major Indian banking failures, and cyber-attacks—are analysed to understand systemic weaknesses and the role of regulation in preventing financial collapse. The paper argues that effective risk management coupled with strong regulatory oversight is essential for sustainable growth, institutional resilience, and investor confidence.
Field	Business Administration
Published In	Volume 6, Issue 6, November-December 2025
Published On	2025-11-26
DOI	https://doi.org/10.63363/aijfr.2025.v06i06.2245
Short DOI	https://doi.org/hbdstk

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