Research On The Risk Management Of Intermediary Business Of X Branch Of China Postal Savings Bank

In this paper,we study the postal savings bank of China branch in X about related problems with the development of countermeasures of intermediary business,not only to enrich the existing research theory system,and also to provide corresponding Suggestions on the development of relevant Banks.Article mainly through to the China postal savings bank X branch in developing intermediary business when the technology involved,through analyzing related elements such as concept,mechanism,and on this basis,draw lessons from Western Europe and the United States the development experiences of developed countries and regions,by the development of scientific and rational countermeasures and measures are put forward and promote the development of related businesses.At present,China's postal savings bank X branch have realized scientific and effective risk management mechanism in its important role to develop intermediate business,namely we only set up a sound risk management mechanism,to improve the profits.So,we must increase under the background of this research on risk management,and to enhance the level of bank middle business development.Based on "found the problem,investigation,analysis and solve problems" to study the logic of thinking,the paper firstly start from the concept of intermediary business,in reference to related literature at home and abroad are analyzed on the basis of research and development status.Finally,put forward the post office bank X branch to strengthen the management of intermediary business risk countermeasure,in order to achieve perfect intermediary business risk management,improve the post office bank X branch's comprehensive competitiveness in the world.(1)Due to the progress of the intermediary business of this risk,we are not able to stagnate,so using a variety of means,management in the financial sector and the commercial Banks internal control two kinds of method related to the development of intermediary business risk prevention and control.Commercial Banks according to the Basel committee on banking supervision of the core principles for effective banking supervision cooperate with the key to deal with risks:market,credit,investment,management,management,law,competition,financial risk,etc.Commercial Banks only codes in the internal management and business field at the same time,on the basis of improve risk prevention capacity,can be in the market accounts for more than,can be more stable to development,benefit to ascend.(2)The China postal savings bank X branch problems existing in the intermediary business risk management lies in the lack of understanding of the importance of the intermediary business risk prevention,the organizational structure of the bank deviate from the basic requirement of modern risk management,the slow development of intermediary business risk quantification management,intermediary business risk financial regulatory lag.(3)Through the China postal savings bank X branch of intermediary business risk assessment.Based on VaR assess the risk of intermediary business,business risk regulation in the middle,and the intermediary business of commercial bank risk control,according to the different risk characteristics to develop intermediary business risk prevention measures are put forward to strengthen middle China postal savings bank X branch business risk management countermeasures.The innovation of this paper lies in the China postal savings bank X branch and comparing foreign intermediary business of commercial bank risk management,find shortcomings.At the same time,combined with domestic and foreign commercial Banks is relatively advanced intermediary business risk management experience,combined with the post office bank X branch intermediary business management present situation,put forward the perfect,strengthening intermediary business risk management countermeasures and solutions and Suggestions.