Research Inot Counter Service Oprrationalal Risk Of Postal Savings Bank Of China

Risk management is regarded as the lifeline of the commercial banks. Banking isa high-risk industries. Especially from the1990s, the bank Barings Bank andResona Bank events become the typical case on operation risk study. In1995, BaringsBank Singapore branch traders Nick Leeson get rid of internal control system, tradingcaused$1.39billion in huge losses, and lead to the bank with232years history on theroad of bankruptcy. Resona Bank New York branch because the deals foreground andbackground no separation, the senior management personnel in trade create falseaccount, excessive speculation to buy the United States long-term national debt lossesas much as$1.1billion. In all countries of the world bank crisis, almost all the bankgovernment took over or bankruptcy, because in risk management and control inserious problems.In china,Hainan Development Bank, Guangdong International Trust andInvestment Corporation is closed, and China Everbright international Trust andInvestment Corporation, been revoked and in2009the case of Beijing RuralCommercial Bank was cheated loan of460million, and the case at the beginning ofIn2011Qilu Bank forged financial instruments, over and above exposed thecommercial bank risk management are defective.And Postal Savings Bank of China(PSBC) also exists some cases,such as HeiLongJiang citizen ID verification networkcase, also because error, teller carry out payment, or misleading sales, lead to thecustomer the loss of the reported.From a series of big problems what happened in domestic and foreign Banks,These are matters with oprational risk. The Basel committee held a global survey ofoprational risk on89banks in2002, the banks in survey report4.7thousand operating risk events of loss more than10000euros, the loss caused by nearly8billion euros ayear.Average every bank528in the year, happened caused by the operating riskevents. Five banks occurred more than2000oprational risk events. Someone speakoprational risk called "details of the devil".This indication oprational risk in the bankhave happened in the risk of universality.Since founded, PSBC places importance on the risk management, in thebeginning established Risk Management Department enhancing risk management andrisk prevention and control. Currently in oprational risk management has madepreliminary achievements, but there is a long way from effective and overallprevention and control system. The article expound risk management of PSBCfrom angle of counter service oprational risk.From reference materials, less in counter service oprational risk, and counterservice oprational risk of PSBC can say is rare. This paper from PSBC’s mainbusiness, analysis various potential risk in business lines, objective explanationcounter service oprational risk facing difficulties and problems to be solved urgentlyof PSBC. In the end, the author put forward PSBC counter service of oprationalrisk management in own views and opinions, is a complete structure and carefulacademic paper.To sum up, this paper on the academic value rich oprationalal risk the content ofthe management; The real value of PSBC teller counter service oprational riskmanagement and offer the reference. Benefit from the system and mechanism haveprompted PSBC to establish comprehensive scientific risk management concept, toestablish and perfect the effective risk management system.