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What is treasury business and what are its risks?
Business Profile: As the earliest professional foreign exchange and foreign trade bank in China, China Bank has rich experience in international capital market operation, branches all over the world and advanced financial technology. Financial market business (fund business) has always been one of the important profit sources of China Bank and one of the three major business sectors of commercial banks in the new organizational structure of China Bank. According to the personage of the bank, since the shareholding system reform, BOC has further strengthened this business by promoting the integrated management of local and foreign currencies in accordance with the product line management requirements of modern banks. At present, five clear and reasonable business management lines have been basically formed: global transaction, global investment, global asset management, debt capital market and bill financing. The fund business of China Bank involves foreign exchange transactions, local and foreign currency financial derivatives, local and foreign currency bond investment, precious metals, commodity futures, valet financing and valet financing. According to the market situation, provide customers with quotations for various capital products; R&D capital commercial new products; Provide customers with market information, trends, etc. (2) China Bank's "Capital Settlement Expressway" China Bank provides various clearing services on a global scale by virtue of its strong financial strength, global business philosophy, branches in major financial markets all over the world, good business relations with foreign correspondent banks, advanced communication equipment, clearing network and high-quality employees. No matter when, where and what kind of business customers handle, they can rely on the safe and fast clearing channels of BOC to make the capital flow extend in all directions and operate efficiently. (3) China Bank has customized the following service products by virtue of its efficient and fast network. 1. Yinzhengtong (see "Securities Clearing Business" for details) Yinzhengtong is a high-tech financial clearing product, which makes China Bank in a leading position in the field of securities and fund settlement. This product uses Internet technology to provide safe and efficient services for brokers. Brokers can complete the fund remittance inquiry business with a click of the mouse. So as to truly enjoy the efficiency and convenience of "staying at home and depositing and withdrawing funds". 2. Rapid remittance of important customers. Fast remittance business launched new products to meet the special needs of key customers. Based on the electronic interbank system, a special message queue is set up with professional operators, which has high timeliness and low risk, and cooperates with customers to maximize the efficiency of capital use. (3) Automatic Transfer of Remittance Funds This product is a back-office service product for customer fund transfer based on the high-tech original fund transfer network of China Bank. As long as the correct and complete collection account number and account name are provided to BOC at the same time of remittance, the computer system can automatically complete the accurate real-time processing of funds in the background, reduce the time of funds in transit and improve the efficiency of capital turnover.

● Risk control measures

(1) Establish a sound business philosophy, formulate business operation systems and processes, and form a risk management system.

Taking security as the basic principle of the operation of interbank market capital business, the relevant business management methods and operational procedures are formulated and improved, and run through all aspects of the operation and management of interbank market capital business. This series of systems should cover the authorization mechanism, credit terms, the separation of front, middle and back offices, the division of labor and checks and balances among departments such as trading, compliance, auditing and settlement. The organizational structure of the risk management system is as follows:

(2) Allocate R&D resources, strengthen the research and tracking of macroeconomic situation and financial policies, and grasp the "pulse" of the overall trend.

(3) Introduce bond analysis software and risk management software to establish bond portfolio risk identification and measurement system.

(four) to establish a talent team that meets the requirements of market development and risk control.