Research On Internal Control Of Postal Savings Bank Of Haozhou

Commercial banks as a special industry operating money, which itself is a "risk machine". But in recent years, Chinese risks of the financial sector continues to increase, the finacial cases frequently broke out, Chinese banking industry is affected by the history factors, the internal control construction started too late under low-level social development. Especially it is only 7 years that Chinese postal savings bank set up, the construction of internal control management is relatively weak, while involving the unresolved reform problems of postal savings bank,such as the operation mode of "proprietary and agent". Therefore, China postal savings bank as a member of the banking industry new as soon as possible to establish a sound internal control mechanism, strengthen the banking risk prevention, can obtain a leading position in the fierce competition. This paper is to study the experience of internal control through the introduction of domestic and foreign commercial banks, internal control defect cases of Bozhou City branch of the postal savings bank, analyzing the problems and reasons, and puts forward the suggestions of strengthening the internal control and management, to establish effective internal control and ensure the realization of Bozhou City branch business objectives and long-term stable development.China postal savings bank is based on the reform of postal savings management system of commercial banks when set up in 2007, It changes the past of the postal savings business pattern of only saving but loan. Money of liabilities is given to Central bank to gain the no risk benefit. to further expand the comprehensive financial services the credit business, including Postal Savings Bank of China must establish the system of internal control and management mode of its development, this article through to the postal savings bank is now the management of internal control present situation and the existence question carries on the analysis, we can take the issue into thought through improvement, aims to promote and perfect the study of the theory and practice of internal control, provides the beneficial reference. To improve the postal savings bank management ability, better meet the challenge of market amidst the times of change.