Research On Optimization Of Operational Risk Control Of ZJ Branch Of Postal Savings Bank Of China

The current financial market situation is becoming more and more complicated,and the economic operation has entered a complex situation of shifting growth speed,painful structural adjustment and digestion of early-stage stimulus policy.Domestic commercial bank cases continue to occur frequently,which exposes the loopholes in risk management of commercial banks and financial institutions.Faced with complex situation,the Central Bank and the CBRC have put forward a number of guidance on operational risk guidelines from the regulatory level.It is more difficult for to balance risk prevention and steady growth,and risk prevention and control capabilities of Zhanjiang Branch of Postal Savings Bank are facing a major test.How to control and optimize bank operational risks and improve risk prevention and control capabilities has become an important research topic.The paper chooses Zhanjiang Branch of Postal Savings Bank of China(short for PSBC)as the research object,summarizes the research results of operational risk at domestic and abroad through sorting out and summarizing the statistical analysis of relevant data,obtains the management status of operational risk of Zhanjiang Branch of PSBC from various angles,and comprehensively explores the operational risk of Zhanjiang Branch of PSBC on the basis of analyzing the types and causes of operational risk.The management mode,actively exploring the scientific bank operational risk management mechanism,putting forward the optimized design scheme and implementation guarantee aiming at the characteristics of the bank,enhancing the risk resistance ability,and promoting the improvement of the operational risk management system of commercial banks in China.It has certain practical significance for further reducing the economic and reputation losses brought by operational risk to commercial banks.