Study On The Counter Operational Risk Management Of Postal Savings Bank Agent Network HS Branch

Postal Savings Bank Agent Network is a postal enterprise business organization approved by the banking industry supervision and administration organization to obtain a financial license and handle the relevant business of commercial banks within the scope of business entrusted by postal savings bank.It is the remaining branch of postal savings bank that has not been restructured into a branch of postal savings bank in the original postal agency business outlets.It is managed by the postal enterprise on its behalf and continues to handle the basic financial business A certain proportion of the amount of savings deposit shall be paid for agency fee.Since the establishment of the agency,it has been under the dual management of postal enterprises and postal savings banks.The postal enterprises are responsible for business development,staff management,network construction,wages and salaries,and its internal rules and regulations are applicable.The business indicators are formulated and issued by the head office of the postal group,and the postal savings banks guide and inspect the business development.In recent years,the postal savings bank agency has continuously focused on the market in counties and towns below the county level,which has greatly filled the gap in financial outlets in towns and villages,and has continuously increased business volume,significantly improving the overall efficiency of the postal savings bank agency,but its employees' risk consciousness,division of Labor,regulations,supervision means and problems rectification also bring great challenges to the Counter Operation Risk Management.As the postal savings bank's agencies came into contact with the banking business relatively late,the risk management foundation is relatively weak compared with other large commercial banks,and the types of business are concentrated in the counter operations,such as deposits and withdrawals,which have high operational risks.Therefore,how to prevent and control the risk of counter operation in time and how to make up for the deficiency of counter operation risk management is also a practical problem that can not be evaded in the daily operation and management of Postal Savings Bank.Based on the research content of the over-the-counter operational risk management of HS branch agency of Postal Savings Bank,this paper explains the basic concepts of risk and operational risk of commercial banks from the theoretical point of view,and according to the theory of total risk management and principal-agent theory,case analysis,statistical analysis,theoretical research and empirical research methods are used to conduct research and analysis.This paper mainly collects and sorts out the on-the-spot inspection opinions and rectification notices to the agents of HS branch of postal savings bank in the past three years from the internal self-inspection in the postal savings bank system,the HS central sub-branch of the People's Bank,the HS banking and insurance supervision sub-bureau,etc.,this paper analyzes the present situation and existing problems of counter operational risk management of HS branch agency of Postal Savings Bank,and analyzes the reasons for the existing problems,and advances some countermeasures for counter operational risk management,in order to make up for the existing deficiencies,it is expected to provide reference and reference for counter operational risk management of postal savings bank.