Risk management in the decade of the 1990's

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      <subfield code="a">We are today at a crossroads. One can look to the tremendous changes that have occurred in just the first five years of the 1980's and compare them to the Industrial Revolution. In our financially-based discipline on risk management, we have become familiar with the term "convergence" or the integration of various financial products and services. We are aware of the pressures to employ scarce capital in areas that produce the highest return. Those pressures are moving  banks into non-bank related services areas. We see insurance companies merging and offering non-insurance-based services such as securities and investment management</subfield>
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