Research On The Mangement Of The Postal Savings Bank Of China Shanghai Branch Credit Risk

Abstract:With the deepening of the reform and opening up in China and to the acceleration of globalization, the national standard of living got a big promotion, enterprise also began to develop in our country, in order to promote the development of enterprise and the need of people invest in life, tend to get loans from the bank, and bank credit relationship. But with the development of financial globalization and the fluctuation of the international financial environment, often financial business in China, especially the large influence of bank credit business. The development of the credit business not only affects the healthy development of China’s Banks and related financial policy operation of the business, also for the harmonious development of society and social economic system, has an important influence of orderly. Therefore, it is necessary to strengthen the management of credit risk in China’s banking industry, suitable for their own credit risk management standard and management process, and according to the market environment to adjust these norms and procedures, guarantee the safe and orderly operation of bank credit business in China, prevent the occurrence of bad loans bad debts due to credit risk, pose a threat to financial security in our country.Postal savings bank of China is a newly established state-owned commercial Banks, because of the postal savings bank was set up time is shorter, the credit risk management of the business is not enough specification, credit risk management is insufficient, and now the domestic bank credit environment has become increasingly complex, the postal savings bank of China credit risk faced by commercial Banks is much larger than others. This article, the postal savings bank of China Shanghai branch as the research object, in determining the related research background and research significance, combined with the research of credit risk and credit risk management of related theory, and on the summary on the foreign commercial bank credit risk management experience, to the postal savings bank of China Shanghai branch was analyzed, and the present situation of credit risk management through in-depth understanding of the development history of the postal savings bank of China Shanghai branch, the postal savings bank of China Shanghai branch performance and characteristics of credit risk management, found the postal savings bank of China Shanghai branch in credit risk management problems, aiming at the existing problems, this paper analyzes the main reasons for these problems, and in reference to the related theory and experience of foreign commercial bank credit risk management, on the basis of proposed for credit risk management of the postal savings bank of China Shanghai branch optimization solution. Hope that this article research conclusion is not only in the optimization of the postal savings bank of China Shanghai branch credit risk management play a role, also for China’s postal savings bank credit risk management mechanism of deepening to promote role.