The Research On Operation Risk Management Of Jiangxi Postal Savings Bank

Postal Savings Bank of China Jiangxi banch established on December6,2007.the site surface covering urban and rural areas of jiangxi province and the turnover of most financial institutions:total739secondary branches,655the postal agency network, with nearly60%of the branches below the county level in rural areas, for the county economy plays an important role.Rooted in urban and rural areas, based on agriculture, rural areas and farmers to build large retail commercial bank is the development of jiangxi postal savings bank strategic objectives.Even thoug in the internal environment, jiangxi postal savings bank internal control mechanism is still not perfect, the traditional "postal" management pattern not suit of its way to develop commercial bank; on the external environment, operational risk management is becoming more and more brought to the attention of the regulators. So the operational risk measurement and management research has important practical significance and theoretical value.This article adopt the method of theoretical research combined with case analysis,expounded and analysis the present situation of jiangxi postal savings bank operation risk on comprehensive, introduced the present situation of operational risk management at home and abroad and the advanced experience,put forward the strategies with the reality of jiangxi postal savings bank.This article is divided into seven chapters, chapter1is introduction, chapter2is the introduction to the theory of operational risk, chapter3is the analysis of operation risk present situation on jiangxi postal savings bank, chapter4is experience and draw lessons from the domestic and foreign commercial Banks operating risk management, chapter5is the strategiesfor jiangxi postal savings bank operation risk management, chapter6is the safeguard measures for jiangxi postal savings bank operation risk management, chapter7is conclusion and outlookThis paper argues that in response to the operational riskjiangxi postal savings bank’s priority is to improve the organizational system, perfecting the process management, strengthening loss coverage, improve the quality of information disclosure, gradually formed good operational risk management culture, strengthen personnel training, improve staff quality and risk performance appraisal mechanism, establishing perfect operational risk management system.