The Present Situation Of Agency Financial Risk Management Of YZ Company In Jilin Province And Improvement Strategy Research

As an economic system arrangement,the bank's operating model determines its own risk attributes.No matter how advanced and efficient risk management methods are adopted,banks cannot eliminate their own risks.They can only be mitigated and controlled through decentralization,hedging,and insurance.As a rising star of the republic's financial system,China Post and Savings Bank,which has gone through ups and downs,has taken an unusual path of reform and evolution,forming a special format different from other commercial banks.In March 2007,the postal savings originally belonged to China YZ Group Company was split and reorganized.The new China Post Savings Bank Co.,Ltd.was officially established and was established in Hong Kong on September 28,2016 and December 10,2019.The successful listing of the Main Board of the Stock Exchange and the A-share Main Board marked that the Postal Savings Bank was able to formally join the ranks of the state-owned big banks with the five state-owned workers,peasants,and farmers.As the Postal Savings Bank has become more and more influential in China ' s financial sector,as a member of the Postal Savings Bank 's “self-operated + agent” special operating portfolio,the postal agency finance has a large degree of operational development and risk management capabilities.Shanghai directly affects the long-term development of China Postal Savings Bank.Although postal agency finance has made some efforts in risk management and has invested a limited amount of resources,it still cannot meet the needs of the current risk prevention and control situation,and has not fundamentally changed its weak risk management foundation.In 2017,China YZ Group Co.,Ltd.Jilin Province Branch had two cases of internal employee misappropriation of customer funds,and the foundation of the company's long-term development was challenged.Based on the actual development of postal agency financial management and risk management,this paper introduces the connotation,characteristics,evolution process of commercial bank risk management theory and foreign bank risk management practice on the basis of analysis and research background and domestic and foreign research status,and elaborate in detail China YZ Group Co.,Ltd.Jilin Branch 's organizational structure,agency financial scale and contribution,and agency financial risk management status,and collects a large amount of data from the four dimensions of basic management,accountability management,main business indicators,and regulatory penalties,which isthe same as the national average Compare risk data at a level to find shortcomings and weak links in the financial risk management of Jilin branch.Finally,based on the comprehensive risk management theory,combined with its own work experience,in-depth investigation and research,and a large number of internal data and data summary analysis,create a compliance risk monitoring and evaluation index system,and propose improvements and optimization from the aspects of corporate governance,full process control and risk monitoring Recommendations(schemes)to provide reference and reference for the risk management of China's YZ Group Co.,Ltd.Jilin Province Branch and other similar enterprises,to promote their advancement of risk gates,risk prediction,risk measurement and risk dispersion,and then achieve benign sustainable development.