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Risk isn’t just a feature of financial services – it’s the foundation of the entire industry. Without it, there would be no need for banks, insurers, or even the concept of credit itself. The origins of financial risk management can be traced back to the 18th century when banks and lending houses recognized that blindly handing out money wasn’t exactly a sustainable business model. Instead, they developed methods to assess potential threats to their financial health – basic, but essential for avoiding economic catastrophe.