Research On Economic Capital Management Of Postal Saving Bank Of China

With the advance of financial globalization process,to cope with the complicated and changeable international economic and financial situation,Postal Savings Bank of China gradually understanding and economic capital management has been tried.PSBC has tried to utilize the concept of economic capital to measure risk and increase the overall risk return level through calculating risk-regulated return quite early in China.Various kinds of issues has emerged in practical application such poor data quality,unqualified economic capital distribution and insufficient risk covering by economic capital.Starting from the present condition of PSBC,this essay introduces the application,method,implementation and effect of economic capital management in PSBC in detail and points out the insufficient awareness of risk in practical application,insufficient raw data,undeveloped economic capital measuring model and KPI.On the basis of theoretical foundation combined with case analysis,learning from successful experience of economic capital management of well-known international banks,optimization designing plan and supporting measure has been setup.By mean of cultivating advanced risk management culture,strengthen staff training,enhance risk awareness,improve the quality of basic data,improve the internal rating system and risk measurement models;In perfecting the economic capital measurement method,the construction of economic capital management system,build the index system is proposed on the basis of PSBC economic capital management system.