改革开放以来，我国商业银行迅猛发展，整体成果显著。由于银行业务具有明显的趋同性，业务模式大多类似，同时经济全球化趋势加深，国内银行市场日益竞争激烈。外部政策监管及竞争环境的变化，导致商业银行经营过程中各类风险问题日益突出，风险事件频发，在正确处理风险控制与业务发展关系问题上远未达到成熟。商业银行面临的经营风险具有特殊性，在发展过程中必须始终做好各类风险的控制工作，才能支撑商业银行自身持续健康发展，加强对商业银行风险管理具有重要的现实意义。

本文以我国现有商业银行其发展过程中内部风险控制体系的构建及运营现状研究为主题，选择以邮储银行A分行作为研究对象，对银行风险控制相关的背景、发展情况、国内外研究现状进行整理分析，阐述了银行风险控制相关概念及相关理论，如风险管理理论、信息不对称理论等并作为本文研究的重要理论基础；针对研究对象邮储银行A分行当前整体发展情况、风险控制现状进行实地调查研究，从信用风险、市场风险、操作风险、流动性风险以及合规风险五个不同的层面分析了当前邮储银行A分行在风险控制体系建立与运营中存在的问题：风险控制环境基础薄弱、风险评估专业性不足、控制措施执行不到位、风险控制技术落后、效率低以及缺乏风险控制的监督修正机制等，这些问题对邮储银行整体健康持续发展形成明显的阻碍；根据邮储银行A分行内部资源条件以及现行风险控制体系基础，提出了邮储银行A分行风险控制体系优化原则，优化方案包括补充完善风险控制相关制度体系、提高全员风险控制理念以优化风险控制环境基础；建立全面完善的风险筛查及评估程序、提升企业人员风险控制技术及专业性以构建科学的风险管理体系；细化风险控制部门及岗位职能、构建风险控制相关绩效体系以优化企业风险控制措施执行能力；引入先进技术手段、提升风险控制效率，构建内部信息共享及处理平台并完善风险监督及修正机制。

本文的研究有助于促进邮储银行A分行风险控制能力的提升和完善，保障邮储银行A分行持续健康发展。

Since the reform and opening up, my country's commercial banks have developed rapidly and the overall results have been remarkable. Due to the obvious convergence of banking business, most of the business models are similar, while the trend of economic globalization is deepening, and the domestic banking market is becoming increasingly competitive. External policy supervision and changes in the competitive environment have caused various risk issues in the business process of commercial banks to become increasingly prominent, with frequent risk events, and they are far from mature in correctly handling the relationship between risk control and business development. The business risks faced by commercial banks are of particularity. During the development process, they must always control various risks in order to support the sustainable and healthy development of commercial banks themselves. Strengthening the risk management of commercial banks has important practical significance.

This article focuses on the research on the construction and operation status of internal risk control system in the development process of existing commercial banks in my country, and chooses branch A of the Postal Savings Bank as the research object. First of all, a comprehensive and comprehensive analysis of the background of the bank's risk control system, industry development, domestic and foreign scholars' research and literature materials, combined with existing bank risk management concepts and mature theories, such as risk management theory and information asymmetry theory Etc., forming an important theoretical basis for the study of this article. Secondly, conduct field surveys and interviews on the current corporate consolidation development and internal risks and management status of the research object Postal Savings Bank A Branch, combined with written materials to form an objective and comprehensive analysis of the current risk control system construction and operation status of Postal Savings Bank A Branch, in For the risk analysis of the branch of Postal Savings Bank A, a comprehensive analysis was conducted from five different levels of credit risk, market risk, operational risk, liquidity risk and compliance risk. It was found that the current branch of Postal Savings Bank A is operating in the risk control system and There are several problems in management: the foundation of the risk control environment is weak, the professionalism of risk assessment is insufficient, the implementation of control measures is not in place, the risk control technology is backward and inefficient, and the supervision and correction mechanism of risk control is lacking. Sustained development forms obvious obstacles. According to the internal resource conditions and the basis of the current risk control system of Postal Savings Bank Branch A, this article proposed the optimization principles of the risk control system of postal savings Bank Branch A. The optimization schemes include supplementing and improving the relevant risk control systems and enhancing the risk control philosophy of all staff to optimize the environmental basis of risk control. Establish comprehensive and perfect risk screening and assessment procedures and improve the risk control technology and professionalism of enterprise personnel to build a scientific risk management system; To refine the functions of risk control departments and positions, and to build performance systems related to risk control to optimize the execution ability of enterprise risk control measures; Introduce advanced technology means, improve the efficiency of risk control, build internal information sharing and processing platform and improve the risk supervision and correction mechanism. 

The research of this article is helpful to promote the improvement and perfection of the risk control ability of A Branch of Postal Savings Bank, and ensure the sustainable and healthy development of A Branch of postal savings Bank.