PSBC A Branch Financial Risk Management Research

Due to the rapid development of external capital market and the sound overall development of China's economy,the banking industry in the national economic system naturally shows a rapid development speed.In recent years,due to the rapid improvement of scientific and technological level,commercial Banks are keeping pace with The Times and accelerating the adjustment of profit model.It is precisely because of this that new financial products are constantly emerging and the level of financial services is constantly improving,but at the same time,commercial Banks are also facing serious financial risks.Although many people begin to pay attention to the financial risk of commercial Banks and focus on it as an important task,due to the rapid change of internal and external factors,the financial risk management of commercial Banks is becoming increasingly serious.As the commercial bank more and more fierce in competition,commercial Banks to the influence of the financial risk is more and more serious,so for Banks,must focus on financial risk management,to raise their ability to resist risks,namely,build perfect risk control framework system,for a variety of financial indicators to monitor the risk,in order to avoid the bank under the influence of adverse factors.Developed countries,such as the United States and the United States,have been implementing risk management for quite a long time and are now relatively mature.Moreover,developed countries tend to treat risk management with a highly cautious attitude and generally have formed relatively complete risk management and control system.Compared with western countries,China's commercial Banks' financial risk management experience and management level are in a relatively backward position,so China's commercial Banks' financial risk management status is not satisfactory.In the face of this background,this paper researches on the financial management of A branch post office bank,not only analyzes the research background of this subject,value,research status,and also expounds the related theory,such as the concept and characteristics of the commercial bank financial risk management,from three different angles expounds the commercial bank financial risk management content,on the basis of the analysis to the A branch of the financial risk of the current management status,found that the deficiencies and problems,and further analyzes the main factors that cause these problems.Finally,on the basis of theoretical analysis and combined with the actual situation of postal savings bank A branch,the author put forward relevant Suggestions on financial risk management,which not only improved the content of the bank's financial risk management theory,but also guided the financial risk management practice of A branch from A theoretical perspective.