Risk Management Of Commercial Banks

The Postal Savings Bank of China since its establishment in March20,2007, is developing very fast. At the same time, the CBRC "way of capital management of commercial banks (for Trial Implementation)" of the formal implementation of the Chinese, postal savings bank in was not yet over risk management mode of traditional commercial banks, once again faced with the great challenge of comprehensive risk management transformation. In this paper, based on summarizing the commercial bank risk management theory and research status, according to the China Banking Regulatory Commission "approach to capital management of commercial banks (for Trial Implementation)" requirements, according to the Postal Savings Bank of China risk management present situation, the main problems from five aspects of comprehensive risk management, risk management process, risk management, risk environment management and risk management personnel analysis. On this basis, put forward from the organizational guarantee, policy guidance, capital constraints, process improvement, technological innovation, culture and the case prevention mechanism of seven aspects, promote the Postal Savings Bank of China risk management and the transformation to upgrade.This paper first describes the background and significance of the research, the research method and frame of the thesis, and then introduces the concept of risk management of commercial banks, development process, main strategy, process and information system, analyses the existing problems China postal savings bank risk management and facing transformation and upgrading requirements, key content and main measures of the overall goals China, postal savings bank risk management transformation and upgrading, finally obtained through research Chinese postal savings bank should be a comprehensive risk management system, establish the capital risk and return matching results.