Research On Risk Management Status And Response Measures Of Postal Savings Bank Branch In Songyuan

As the world economic environment of recession,Current,Financial crisis on the real economy has been more and more reaction in the bank, the domestic banks are facing increasing risks,management and profit impact.The current crisis in the banking industry’s development is facing a hitherto unknown challenge,but also a rare opportunity. Postal savings bank banking as a new force, not only has its own advantage is wide, but also its disadvantages that lack of experience at the same time, the internal management of the existence of defects.This article is in this great environment,the postal savings bank in the financial crisis in the face, the face of opportunities and challenges, how should this kind of concussion, produce oneself advantage,foster strengths and circumvent weaknesses, analysis of their problems and reasons,to find countermeasures,the postal savings bank should now urgently needed to solve the problem. This article is fully analyzed the challenges faced by postal savings bank of China as well as in the actual operation of the various problems in the process of,through a lot of reading literature work in combination with the actual,put forward system innovation,system innovation, culture innovation, technology innovation and other measures, in order to solve the practical work of the difficulties and problems.This paper is divided into six parts, the first part is an introduction, mainly introduces the research background and the purpose and significance of the research. The second part is the theory summary part,mainly introduced the current risk management theory and risk theory. The third part introduces the current situation of risk management of postal savings bank. The fourth part is mainly based on the related theories analyzes some current problems,the deep-seated mining risk cause. The fifth part is mainly the use of practical work experience and a large number of literature reading and puts forward some solving countermeasures for the risks. The sixth part is a summary and outlook. Through literature reading and practical research, fully summed up banking risk management related theory, combined with the actual working case,put forward to solve the problem should take related measures. This article through the theory and case combination,proposes some innovative theory,points out that the postal savings bank to be healthy, sustainable development to go down, must from the aspects of innovation,and adhere to the safety of the premise,through innovation to improve efficiency,to solve the current problems.