Research On Financial Risk Management Of Post Savings Bank Of China

As an indispensable subject in the financial industry,banks play a crucial role in the economic development of the country.Therefore,whether it is for the stability of its own development or for the maintenance of the national economic order,banks must improve their ability to resist and control risks so as to enhance their profitability so as to gain a foothold in a highly competitive market.Based on this,the postal savings bank as the research object,starting from the financial risk perspective,with the theory of commercial bank financial risk management as the basis,the camel risk assessment method and ratio analysis method,a financial risk evaluation system for examination of the postal savings bank financial risk score,according to the score found weak item.Then,on the basis of comparative analysis with other banks,it was inferred that there existed problems such as low asset liquidity,low cost control capability,and inadequate financial risk management in the postal savings bank of china.At the same time,this paper also based on the analysis of the Postal Savings Bank.The causes of the financial risk problems were analyzed and analyzed under the support of relevant theories.They included irrational capital structure,difficulty in accumulating capital,high credit entry thresholds,late start of credit business,weak awareness of liquidity risk,and lack of intermediate businesses.Slow development of loan business,uneven distribution of capital investment,high agency fees,lack of professionals,and unsound internal control systems.It also increased capital from various sources,adjusted the structure of assets and liabilities,optimized asset quality,improved the credit business system,access thresholds for housing loans,introduced advanced liquidity management methods,improved internal control system for liquidity risks,diversified development of intermediate businesses,and The company's business development,the strengthening of the internal control system,and the introduction of professional talents have resulted in some constructive comments on the development of the postal savings bank of china.