| Banking is a high-risk industry .The fundamental responsibility of supervisory authority is to efficiently supervise the risk of banking industry, but because of the characteristics of highly concealingness and laggingness, it is difficult to have timely and accurately control over the risks, especially the quantitative analysis and judgment being more difficult and complicated. Recently, the international financial market underwent a turbulent unrest. The financial crisis of Mexico and Albania, the bankruptcy of Barings Bank and Asian economical crisis seriously stroke the economy of every country. The financial system was heavily damaged. Now, it has become a major research area in financial field to dive into the formation of the banking risk and to search the risk-control method suitable for China's banking industry.Recently, many studies have been carried out by scholars all over the world to comprehensively estimate the banking risk and warning means, and they have proposed some applicable means, such as expert method of credit risk estimation, CAMEL bank rating method, PATROL yearly bank rating method, ORAP bank rating method, risk weight analysis, fluid gap analysis of banking fluid risk, net fluid assets analysis, finance gap method, and so on. But most of them are applications of statistics theory in the fields of banking risk. They have the following disadvantages: First, the lack of systematic analysis. There is no systematic analysis of the formation factors of banking risk, so we cannot learn the factors comprehensively. Second, some quantificational analyses are too complicated and abstract, and have low availability, Third, the estimated results of some models can only be effective for a short period of time; they are not capable of forecasting.Since the postal savings is established from recovering in 1986, the whole nation postal service savings deposit balance reaches 16,000 hundred million yuan. Urban and rural residents account coming untied immediately in postal savings organization reaches 350 million , the customer who holds the postal savings green card exceeds 140 million family. The postal savings foreign currency fund acts on self's own applying scale to approach 1 trillion yuan already. Whose scale is next only to the labor , middle , agriculture , builds the state-owned commercial bank of 4-big place living in fifth , already becomes our country linking the maximal finance net urban and rural. The finance serves the basis that the postal savings provides already being deeply rooted among the people, good reputation enjoying "the green bank ". The postal service savings bank forms a hereafter , maximal advantage is to own the network advantage abounding in gifts of nature. Certainly, carry out management control in history since the postal savings long range sets up organization as a inner of postal service, the risk controlling a sum inward keeps watch mechanism relatively weak, talented person stores fairly parallel insufficiency , these will bring about certain restraint to development of postal service savings bank. The postal service savings bank sets up the queen , business is developing at full speed , fund amounts enhance gradually, the aspect professionalization is managed will be able to get a sharpening , these problem will still but within pretty long a period of time, in to varying degrees upper existence. Analyse 32 law case occurrence cause in 2006 , be to control the low effect because of the inside mainly. The system controlling valuation in the inside of the finance controlling a pattern, and going deep into exploration postal service has the inside therefore, adopt innovative means and the heavy structure method postal service finance very significance and urgency.The author thinks that postal service controls the activity estimating that construction, is put into effect being a hierarchy of control to inside of postal service finance and running independent open-minded result investigation , the systematicness estimating that , testing and analysing in the inside of finance. By the valuation carrying out internally piloting, boost the unit being estimated that observing country laws and statutes , the silver strictly supervising the inspection request and cautious business principles being going to be; Promote the realization being estimated that the unit improves risk control level , ensures that the person develops strategy and the operations objective; Boost all of the various levels director and employee the unit is appraised strengthening the inside controlling mental consciousness , strict carry out feel at ease various control measure , ensure the inside hierarchy of control to be had an effect to work; Boost the unit being estimated that appraising and controlling the risk may appear in time effective during the period of business FOAK , organization significant change such as re-organizing and setting up newly appear; Promote the authenticity , completeness and timeliness being estimated that the unit strengthens business , financial affairs and administration information.By the fact that the inside carrying out controls valuation, authority beneficial to improving the inside customs officer branch , mass beneficial to improving the customs officer job. The field broadens unceasingly with postal service finance business, also prompt face expansion that whose inside checks, customs officer business kind increases by degrees year by year , the contradiction between customs officer resource finiteness and customs officer mission strenuous lays stress on gradually. If business keeps going to all postal service finance managing frequently all-round customs officer, not only from the situation thinking that diseconomy is neither advisable , possibility leads to scratch the surface , floating in outside , becoming mere formality on manpower and material resources , and effectiveness for a given period of time, the authority causing job mass not to be taller than , checking effect selling at a discount greatly , checking a branch is difficult to set up also right away. Therefore, be going to accomplish the customs officer mission within rational time limit effectively , must be dependent on procedure , priority , range and method controlling the customs officer who estimates that mechanism produces a marked effect , ascertains that by controlling system valuation to the inside inward right away. Now that this being able to improve customs officer availability , keeping watch customs officer risk, the messenger customs officer job does sth. with a purpose , gives prominence to the key points, messenger customs officer method builds above science basis.The inner charges valuation , the norm for examining that method, standardizes the person , the model printing plate melts , Program-rization by carrying out. Lead into science technology sampling and testing method step by step , work out the unified examination scheme. "Five big key element " system selects table-rization , clear and definite column of internally piloting policy instructions internally piloting , internally piloting requires that internally piloting measure and the inner charge self for checking and rectifying and reforming condition according to internally piloting. Examine a standard now that the inspector is easily unified , be easy to be built and be rectified and reformed quilt estimating that organization reinforces internally piloting; Now that all-round system of energy reflects the current situation the organization internally piloting is appraised , can continue reflecting whose internally piloting dynamicly rectify and reform field effect. Discharge one's duty , judge internally piloting , urge a round number by the fact that internally piloting valuation "checking a problem , goes after risk , exploits cause of formation , takes a look on that change ", as far as possible, checking in the bud , checking law case's with the problem happens , makes a bank found a set of self's immunity mechanism. This has very important practical or immediate significance to reinforcing the postal service finance risk administration ability energetically.Go deep into the postal service finance having studied various risk been confronted with by postal service finance, expounds on thesis basis controlling valuation at home and abroad in the inside of banking in analysis and commentary, putting the inside into practice controlling purpose and importance estimating that. By drawing in the homeland other the bank advanced experience, be tied in wedlock Chinese postal service finance reality, the system controlling valuation in the inside of the finance having discussed postal service detailedly, has guided Jilin province postal savings inside under the control of examination to use personal influence concretely , the practice certificate has reached expected effect , it has provided the modern times bank safe , being competitive for the postal savings becomes the capital abundance , internally piloting is close , are in motion and do business helping ensuring. |
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