中国邮政储蓄改革过程中的风险研究

A risk study on the post deposit in its reform process

根据国务院《邮政体制改革方案》的发展思路,邮政储蓄改革迈出重要一步。本文在综述了邮政储蓄发展状况的基础上,从金融风险管理的角度,提出邮政储蓄发展过程中的风险。并且从体制风险、内控风险、人员素质风险、金融创新风险、法制体系风险等五个方面进行了具体分析,提出了对各项风险的思考和相应的管理办法。

Following the scheme of post reform, the reform of post deposit has got to a new step. This paperfirst summarizes the development of post deposit, then puts forward the risk of post deposit during its development from the perspective of financial risk management. It analyses the system risk, inter - control risk, staff risk, financial innovation risk, and legal system risk one by one. At the end, it brings forward writers＇ thoughts about risk management.