邮政储蓄银行风险控制的问题及对策研究.pdfVIP

摘 要 邮政储蓄银行经过两年多的实践与探索，存贷款规模不断扩大，业务领域不断延伸 ，经营风险也在不断积累，这对邮政储蓄银行加强风险管理提出了更高的要求。但由于 邮政储蓄银行历史和体制的原因，导致其风险管理薄弱。中国邮政储蓄银行作为金融市 场上的一支生力军，随着其业务的发展、资产规模的不断扩大，其经营风险也逐渐凸显 和积累。为了加快邮政储蓄银行向现代商业银行的转型，提高其在城乡市场的竞争力， 保证其资产质量安全和促进各项业务的稳健发展，必须加快邮政储蓄银行全面风险管理 体系建设，为邮政储蓄银行的又好又快发展“保驾护航”。文章在对邮政储蓄银行风险 管理进行深刻分析的基础上，对建立健全其风险管理体系提出了建设性的意见。 关键词 邮政储蓄银行；风险管理；措施 ABSTRACT After more than two years of practice and exploration, the Postal Savings Bank has expanded the scale of deposits and loans, expanded its business fields and accumulated operational risks. This poses a higher requirement for postal savings banks to strengthen risk management. However, due to the historical and institutional reasons of postal savings banks, risk management is weak. China Postal Savings Bank as a force in the financial market, with its business development, the continuous expansion of asset size, and its operational risks are gradually highlighted and accumulated. In order to speed up the transformation of Postal Savings Bank to modern commercial banks, improve their competitiveness in urban and rural markets, ensure their asset quality and safety and promote the steady development of various businesses, it is necessary to speed up the construction of postal savings banks overall risk management system, The sound and rapid development escort. Based on the deep analysis of postal savings bank risk management, this paper puts forward some constructive suggestions on establishing and improving its risk management system. Keywords ：Postal Savings Bank; Risk Management; Measures 目 录 第一章 邮政储蓄银行加强全面风险管理的重要性和紧迫性 1 1.1 业务规模扩大需要强化风险管理工作 1 1.2 业务范围延伸需要提高风险管理能力 1 1.3 改革过渡期需要加强风险管理以防范转型风险 1 1.4 实现可持续发展需要提高风险管理水平 2 第二章 邮政储蓄银行风险管理存在的问题 2 2.1 管理体制不顺严重阻碍了风险管理措施的完善和落实 2 2.2 风险管理架构和职能不完善 3 2.3 缺乏全面的风险管理意识 3 2.4 缺乏有效的风险管理激励机制