Individual skill

risk-response-patterns

리스크 대응 전략 패턴 라이브러리. response-strategist와 monitoring-planner 에이전트가 리스크 대응 계획을 수립할 때 참조. '리스크 대응', '완화 전략', '대응 계획' 요청 시 사용. 단, 보험 상품 설계나 법적 리스크 자문은 범위 밖.

ko/88-risk-register/.claude/skills/risk-response-patterns/skill.md

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# Risk Response Patterns — 리스크 대응 전략 패턴

response-strategist / monitoring-planner 에이전트의 대응 계획 수립 역량 강화.

## 4대 대응 전략 (위협)

| 전략 | 설명 | 적합 조건 | 비용 |
|------|------|----------|------|
| **회피 (Avoid)** | 리스크 원인 제거 | 점수 ≥16, 제거 가능 | 높음 |
| **전가 (Transfer)** | 제3자에게 책임 이전 | 재무적 영향, 전문성 부족 | 중간 |
| **완화 (Mitigate)** | 확률/영향 감소 | 대부분의 리스크 | 중간 |
| **수용 (Accept)** | 리스크 감수 | 점수 ≤4, 비용 > 효과 | 낮음 |

### 전략별 상세 패턴