English to Spanish Bus/Financial International Org/Dev/Coop microsavings

Bien podrá ser un “enfoque basado en el riesgo”, pero me pregunto si no habrá algún término que se utilice para esta idea que yo desconozco… ¡Gracias por adelantado!

Algunos ejemplos:
Regulators organizations to integrate into the financial system as financial intermediaries with a tiered, ***risk-based approach*** to licensing, regulating and supervising savings-based microfinance.

In simple terms, in a ***risk-based approach*** the supervisor focuses on identifying the critical risks of a financial institution, assessing management of those risks, and assessing the company’s financial ability to withstand adverse effects of those risks.

In a ***risk-based approach***, the supervisor develops specialized capacity to assess both the risk and the management capacity.