Study On The Internal Control Of Operational Risk Of The Postal Savings Bank Of China

Market risk, credit risk and operational risk are the three major risks which currently financial institutions are facing to, and due to the wide scope of its influence, causing serious loss, operational risks has become a headache "enemy" for most commercial banks.As a special industry constantly dealing with risk, risk management and control capability level of commercial bank directly response to the strength of its operational capabilities, its ability to determine sustained and healthy development. In recent years, experts and scholars at home and abroad studying on the operational risk and internal control of commercial banks have found that, events caused by operational risk, the great part is related to the internal control system of commercial banks, or because the construction of the internal control system is not perfect, or there is a problem of process.In other words, to strengthen the construction of internal control, can effectively reduce the operation risk.The Postal Savings Bank of China as a "new star" in the banking sector, it's achievements has been obtained highly evaluated and affirmed in recent years.However,there are many problems in operational risk of the internal control,and the specific manifestations is that counter business operation risk events become more and more serious, branch error rate is high, the potential risks of the postal agency are highlight, risk prevention and control becomes a mere formality,etc.These issues bring great impact to the restructuring and development of the Postal Savings Bank of China.So it is urgent for Postal Savings Bank of China to prevent operational risk and strengthen internal control.This paper, on the basis of carding relevant literature about internal control of operational risk, using literature analysis, case analysis and sum-up method, carrys out the research of the operation risk of internal control of the Postal Savings Bank of China.The full text is divided into 4 chapters, the first chapter is the introduction,introduces the research background, significance, content and methods of the study,the internal control of commercial banks literature review and related theories.Chapter 2, on the basis of a brief introduction to the Postal Savings Bank of China,expounds the present situation of the internal control of operational risk, pointes out that at present in the Postal Savings Bank of China,counter business operation risk events become more and more serious, branch error rate is high, the potential risks of the postal agency are highlight, risk prevention and control becomes a mere formality,etc.The third chapter points out the reasons of the problem are that the internal control environment construction is not perfect, internal control activities are not comprehensive,information exchange and communication efficiency is low,the internal control and supervision is not in place. In the forth chapter, it puts forward the solutions to improve the internal control system and prevent the operational risk,and combining the reality of the Postal Savings Bank of China puts forward the corresponding security measures.This paper aims to study the internal control of operational risk of the Postal Savings Bank of China, find the problems in the construction of the internal control,put forward some feasible countermeasures to prevent operational risk and perfect the internal control construction of the Postal Savings Bank of China, also hopes to have a certain role in promoting in the related field of study to other commercial Banks.