Any business is forever at risk, be it internal issues or market conditions. You can never know for sure what is in store for you. Though you have planned well for now and the future there is always a risk to your finance – be it a competitor offering a better deal or a market slowdown. Everyone is at risk. Once you learn to manage the risk by applying the techniques of financial risk management, you are surely stress free and lean towards taking your business to further heights and success. With these techniques, exposure to risk becomes almost nil. Credit risk is an aspect which everyone fears. Risk management allows you to use financial instruments to manage your risk.