Research On The Risk Of Intermediary Business Of Postal Savings Bank

In today’s era of rapid economic development,commercial banks can’t stand on the financial market only by the support of traditional industry income.Therefore,all major banks began to gradually expand the development of intermediary business in transition according to their own advantages.In recent years,in many western countries,the income from intermediary business not only occupies the main source of income in commerci.al banks,but also tends to overtake the traditional financial business.Because our country started the intermediary business late,it lags behind the level of intermediary business in other developed countries.However,with China’s entry into WTO,the economic system has started a new round of reform.Under the contemporary background of economic transformation and marketization of interest rate trend,the business development scale of China’s commercial banks has gradually changed from the traditional industry model to the new generation development model.The development level of intermediary business has developed rapidly in recent years,and with the expansion of market demand,the expansion of customer groups and its own innovation,the proportion of intermediary business in the revenue of commercial banks is also increasing.The relative proportion of traditional business and intermediary business has gradually changed.Intermediary business has become a new growth point for commercial banks to expand their income in the financial field,and the related innovations in financial products and services have followed suit.The development and change of this trend lies in the advantages of intermediary business itself,which can effectively prevent the risks encountered by commercial banks in their operations,guard against the impact of asset bubbles,and realize the requirements of changing from scale-oriented to value-oriented.Intermediary business plays a vital role in the survival and development of China’s commercial banks,stimulating the core of commercial banks’development in both management and operation.Intermediary business has become an inevitable choice for China’s commercial banks to improve their comprehensive competitiveness,and it is also the focus of banking competition.Intermediary business,as a business that major commercial banks have focused on and vigorously supported since the new century,has already carried out large-scale services in China,occupying a large market,and its innovation lies not only in payment means and payment conditions,etc.Intermediary business has always been customer-centered,on the premise of satisfying the market,providing customers with the best quality service,striving to increase the income brought by intermediary business,establishing a sound and complete banking financial service system,and making full use of its own advantages to improve market competitiveness.With the continuous increase of customer groups,the demands provided by customers emerge in endlessly,and many innovations are also brought by the original customers,such as the expansion of the types of industries involved,the increase of service businesses,and the expansion of platform scale,etc.At the same time,with the rapid development of the Internet industry,many other functions have been brought to the intermediary business,which has inspired the exploration in the technical field and sublimated the innovation.After the scale of products,platforms and services tends to be large,the new task brought to banks is stability and development,which is an indispensable link to maintain the normal operation of the system.Therefore,it is extremely necessary to look at problems from the perspective of development and build a creative team.Therefore,commercial banks should assess the situation,seize the opportunity,expand business,enrich products,improve service quality,improve service level,vigorously explore the market,and improve the competitiveness of banks in the market.At the same time,they should effectively reduce the risks brought by operation and provide the most effective methods and ways for developing new business.This paper introduces the background,development status,existing risk problems,as well as the solution and improvement of risk problems of postal savings bank intermediary business.And for this study,using the experience of the development of intermediary business of commercial banks in developed regions abroad for reference,and using the data obtained from market research,the data are analyzed as follows:the main method is the fault tree method,and compared with the development of the intermediary business of other domestic commercial.banks,analyze and solve the risk problems existing in the development of the intermediary business,and carry out a detailed analysis of specific problems,on improving the risk of postal savings bank intermediary business measures and suggestions to effectively improve the competitiveness of the business in the market.