Research On Optimization Of Accounting Operational Risk Evaluation System Of Postal Savings Bank Of H Province

In the past 10 years,China’s financial industry has developed rapidly,the scale of bank assets has expanded rapidly,and the types of products and businesses have been increasing.However,due to the short development time of the banking industry,the management system is not perfect,resulting in non-standard accounting operations.With the increasing exposure of risks,the sudden outbreak of major cases of internal control of bank accounting and cases of daily irregularities continue to occur,affecting the reputation of the banking industry and causing losses to customers.Since 2000,the state has begun to build a systematic risk prevention and control system for bank accounting operations.The China Banking Regulatory Commission,the Ministry of Finance and other relevant departments have successively issued the guiding opinions on the risk prevention and control of banking accounting operations,requiring the comprehensive strengthening of the risk prevention ability of accounting operations.But,so far,the problem remains prominent.The main reason why commercial banks have become the major disaster area of accounting operation risk is that the current accounting operation risk evaluation system is not perfect,can not quantify the accounting risk and thus can not effectively identify and prevent the accounting operation risk.Therefore,this paper mainly combines the status quo of accounting operation risk management of Postal Savings Bank of H Province,and studies a set of quantifiable accounting operation risk evaluation system,which has certain reference significance for domestic commercial banks to control accounting operation risk.This paper takes the accounting operation risk management of H Province Postal savings Bank as the research object.First of all,this paper studies the relevant research literature of domestic and foreign experts and scholars on operational risk and accounting operational risk of commercial banks,and understands the research results of accounting operational risk management of commercial banks at home and abroad.Secondly,it summarizes the current situation of accounting operation risk management of H Province Postal savings Bank,and lists the existing problems and reasons in the management of H Province postal savings Bank.Then,combined with the questionnaire and expert scoring methods,the accounting operation risk management of H Province Postal Savings Bank was evaluated,and the weak link of accounting operation risk of H Province Postal Savings Bank was identified.Finally,aiming at the weak links of accounting operation risk,this paper puts forward countermeasures to provide some reference for the accounting operation risk management of Postal Savings Bank of H Province and other commercial banks.