Research On Risk Management Optimization Of China Postal Savings Bank HB Branch

In recent years,management departments at all levels of China's banking industry more and more attention to the construction of internal control system of commercial banks,and realize that it can really provide important support for the economic progress and social development of the internal control system only with the combination of risk management.In order to urge all kinds of commercial banks to attach importance to the construction of the internal control system,the ministries and commissions at all levels of our country have promulgated the relevant regulations and systems for many times.Commercial banks as an important part of China's financial system,how to establish the risk management measures,to carry out internal control system design for China's departments at all levels and commercial bank itself is a significant and extremely arduous task.Due to the restructuring of commercial banks in China is still in progress,so the internal control and risk management are properly combined,and corresponding design itself risk management system in China is still at the exploratory stage of development of the commercial banks is very important.In view of this,this article research scholars at home and abroad commercial bank risk management in the system optimization,on the basis of literature and its achievements,applying the theory of risk management related to the post office bank HB branch risk management present situation is analyzed,and the existing problems and causes has carried on the thorough analysis.Combined in this paper,the basic theory of risk management,from risk identification,risk assessment and risk control HB branch post office bank risk management from three optimization design has carried on the system research,and put forward the corresponding optimization design scheme of risk management system,for subsequent commercial Banks risk management construction provides valuable reference.