治理

The Ricoh Group develops business globally, and the economic conditions of its major markets, Japan, the United States, and Europe, affect its business. In particular,

• 中美贸易摩擦
• Brexit.

本集团认识到，由于保护主义的兴起，每个国家的运动是可能影响业务结果的主要风险。

• 关于中美贸易摩擦，我们正在促进减少海关风险的措施，例如将美国的一些产品生产从中国转移到泰国的工厂，使用传统的BCP措施（并行生产）。因此，我们将能够防止对商业绩效的影响，预计有数十亿日元的日元，以回应对中国第四阶段的第四阶段的法令。我们将继续回应情况的变化。
• With regard to Brexit, we assume there will be confusion due to No-deal Brexit, and we will increase the stock of necessary materials and products at our European bases. In addition, the majority of our products is subject to ITA products, and we believe that even if no-deal exit happen, the adverse effects of customs duties on business impacts will not be significant.

理光集团不断面临激烈竞争的风险。下面被视为风险。

• 竞争对手竞争的新产品。bob软件苹果怎么下载
• 增加价格竞争
• S.hift in demand to low-priced products

大部分实际部分的理光集团的制造业和销售活动是在日本之外进行的，包括在美国，欧洲和其他地区，如中国。下面被视为风险。

• Direct impact of material market fluctuations
• The impact of exchange rate fluctuations on consolidated statement of profit or loss and consolidated statement of comprehensive income as a result of converting local business results of overseas subsidiaries into yen using the average rate for each year.
• The impact of exchange rate fluctuations on consolidated statement of financial position due to the fact that assets and liabilities denominated in local currency are converted into yen using the exchange rate as of each account closing date.

Ricoh集团与实体联盟，创建各种产品和服务，以满足客户需求。bob软件苹果怎么下载本集团认为，与其他实体，合资企业和战略投资的联盟是利用双方管理资源及时开发新技术和产品的有效。bob软件苹果怎么下载然而，由于下面描述的各种原因，这些联盟可能会对集团的未来增长和盈利能力产生不利影响，以及其财务结果和条件。

• 由于财务或其他原因，本集团的利益与其他缔约方的利益不同，因此本集团可能无法维持联盟。
• 由于缺乏信息和足够的审议，未能获得确切的利益。
• 此类战略投资可能不一定导致预期的结果或履行，可能导致由于业务，技术，产品和/或由此类投资所需的企业，技术，产品和/或人员的整合而产生的时间和费用。bob软件苹果怎么下载

适当响应快速技术变革的能力是理光集团产品/服务竞争力的基础知识。bob软件苹果怎么下载本集团未能应对下述任何风险，可能会对集团的未来增长和盈利能力以及其财务成果和条件产生不利影响。

• 预测技术变革和行为
• 设置焦点技术开发区和资源分配
• S.et new business area and technological development for it

理光集团认为，为了保持中期长期的竞争力，在正确的时间确保和保留高技能人员至关重要。本集团未能应对下述任何风险，可能会对集团的未来增长和盈利能力以及其财务成果和条件产生不利影响。

• 未能在适当的时间内招聘合格人员
• Failure to train up highly skilled personnel
• The loss of key employees

• 部署工作匹配招聘并确保高度培训的人获得他们期望的职业生涯。
• 促进不仅新毕业生招聘，而且招聘中期招聘
• 增强各种系统，以支持工作寿命管理和多样化的劳动力
• 加强系统以确保和培训管理人员

Ricoh集团与其设备销售和租赁有关的一些客户提供融资。

• 尽管群体监测信誉和信贷金额，但不能保证本集团将能够通过其客户完全收集该集团的信贷延期。
• These financing arrangements that the Group enters into with its customers result in long-term receivables bearing a fixed rate of interest. The Group finances a part of these financing arrangements with short-term borrowings. As a result, there is a risk that operating profit may be affected by interest rate fluctuations.
• 基于曲线发展其业务nt law, tax and accounting regulations. If these regulations are changed significantly, there is a risk of affecting the performance of the Group. In terms of accounting standard, the adoption of IFRS 16 “Lease” is expected to have some impacts on the finance business, such as changes in customers’ purchasing behavior in countries to which the standard is applied.

• RICOH集团在融资安排和定期融资期间之前评估信誉和向客户扩展到客户的信贷金额。根据此类评估，本集团根据需要调整这些信贷延期，因为它认为必须尽量减少集中信用风险或非支付的任何潜在风险。
• The Group finances these financing arrangements with short-term borrowings subject to variable interest rates along with borrowings subject to fixed interest rates whose terms are matched with the term of the financing arrangements for the purpose of hedging the interest rate risk.

在构建信息安全系统时，RICOH集团计划为以下内容描述的风险，

• Malicious cyber-attack cause the Group’s system trouble, information security problem and loss.
• 网络攻击使组是一个攻击者侧，并且组服务器不由自主地用于坏端。结果，集团的恶劣声誉和本集团将被排除在客户供应链之外。
• 本集团产品具有大量信bob软件苹果怎么下载息安全问题，并从市场中排除，这对集团的未来增长和盈利能力以及其财务成果和状况不利影响。

• Based on international information security standard, the Group establishes comprehensive control organization accordingly for covering the Group global information security and it enhances its systems continuously.
• 本集团对工厂/设备系统发生的风险进行了对策。

The Ricoh Group may be held responsible for any defects that occur with respect to its products and services. Depending on the defect described below, the Group may be liable for significant damages which may adversely affect its financial results and condition.

• 大量产品责任（倦怠，人类损害）
• Violation for safety/environmental regulations
• 市场上质量问题的延长

此外，关于这些缺陷的负面宣传可以使本集团更加困难，以吸引和维护客户购买集团产品和服务。bob软件苹果怎么下载因此，本集团的财务结果和条件可能会受到不利影响。

If the Ricoh Group faces to earthquake, Tsunami, political turmoil, flood, pandemic or supply-chain disruption, which causes risks described below.

• Delay or disruption of parts supply
• 停止制造产品bob软件苹果怎么下载
• 交通中断，运费

These risks may cause opportunity loss and adversely affect the Group’s financial results and condition.

S.ince alliance/joint-R&D with other parties are getting increased, the Ricoh Group may be involved in contract conflict/trouble, which may adversely affect the Group’s financial results and condition.

理光集团受其运作国家各国的各种政府法规和批准程序的约束。如果本集团无法遵守以下任何这些规定或未能获得必要的批准，则该集团在这些国家的活动可能受到限制。此外，即使该组能够遵守这些规定，符合性也会导致成本增加。在任何一种情况下，本集团的财务结果和条件可能会受到不利影响。

• Human resources related compliance (Harassment, Employment, Human rights, etc)
• 出口法规和关税以及可能限制生产/销售活动的规则
• 与商业，反垄断，专利，消费者和营业税有关的法规
• Environmental and recycling related laws.

• 关于有关的人力资源
  Implement timely internal training and define emergency response framework, supplier periodic assessment for human rights compliance
• Regarding export regulations
  Implement timely internal training, announce all the Group business related regulations change or update
• 与商业，反垄断等有关的法规
  如果发生任何违规行为，法律司就会导致内部培训并不断加强系统。
• 关于环境和回收相关法bob娱乐平台律，本集团介绍了环境管理体系，并定期评估，以确保环境法律规定。

理光集团认可与收购和各种实际资产或商业运营的各种实际资产或无形资产相关。
当未能达到目标或其他原因，无法产生预期的现金流量时，对理光的业绩或财务状况可能有害影响。

With respect to its employee benefit obligations and plan assets, the Ricoh Group accrues the cost of such benefits based on applicable accounting policies and funds such benefits in accordance with governmental regulations.
Currently, there is no immediate and significant funding requirement. However, if returns from investment assets continue to decrease and/or turn negative due to market conditions, such as with fluctuations in the stock or bond markets, additional funding and accruals may be required. Such additional funding and accruals may adversely affect the Group’s financial position and results of operations.

The Ricoh Group recognizes climate change as a significant concern that may have an extensive impact on the entire world regardless of country and region, and therefore as a crucial issue that may affect its global operations. We carry out a range of measures against risks identified based on the above recognition. Despite this, we still face a number of potential risks as described below, which may arise as a result of inadequate or delayed actions.

（过渡风险）

• Risks of increased costs, lost sales opportunities and damaged corporate brand resulting in decreased corporate value, as a result of failure to effectively respond to an extremely fast transition toward a decarbonized society.

（Physical risks）

• 由于极端气候事件，通过纸质原材料价格飙升的业务的风险。
• 产品/服务用品的风险通过暂停的工厂操作中断，并因延迟行动而扰乱供应链，以解决极端气候事件造成的损害。

要处理每个所描述的风险，我们制定了以下措施：

（过渡风险）

• To effectively respond to the transition toward a decarbonized society, we have set up an ESG Committee, chaired by the president and CEO, as a system to monitor trends in international environmental requirements so that we can review our environmental goals and prevent risks from arising or address actualized risks in a timely manner.
• In 2019, climate change related issues have been newly added to the Total Risk Management (TRM) system in order to enhance activity to cope with climate change transition risks.

（Physical risks）

• 我们正在加强涉及供应链的风险管理;从多个供应商采购，并确保额外的材料和零件库存。我们还与供应商合作，以改善业务连续性管理。
• 对于防止极端气候事件造成的损害的行动，请参阅“大规模灾害”中的风险和“长时间延迟和中断产品供应”部分。bob软件苹果怎么下载

The Ricoh Group will do its utmost to ensure the continuation of business activities, secure employee’s and their family’s safety, and fulfill its social responsibilities as a corporate citizen in the case of the event described below,

• Natural disaster (earthquake, tsunami, hurricane, flood, snowstorm, eruption, etc.)
• Accident (Fire, eruption, Leak of hazardous materials, big accident of public transportation etc.)
• 剧烈情况变化（国内战争，国际战争，激进社会运动等）
• Incident (Terror, abduction, intimidation etc.)

2018年1月29日，Ricoh India提出了一个申请，并根据印度的破产和破产守则第10条向国家公司法庭法庭，孟买法庭，孟买（NCLT）提出了公司破产解决进程.NCLT承认破产请愿于2018年5月14日。

我们分配了与Ricoh Indian的费用为69亿日元，截至2017年3月31日的综合运营成果117亿日元，¥149亿日元。由于在截至2019年3月31日止年度的综合运营业绩中分配了额外损失，我们已经分配了Ricoh印度的所有信贷。