After two years of deliberation, discussion and revision, President Jiao Yuquan guided Liaoning Postal Savings Bank to launch a series of risk culture concepts. Since its establishment, Liaoning Postal Savings Bank has thoroughly implemented the head office's risk preference of "moderate risk, moderate return, service development and steady operation", and formed the development concept of "risk control priority, management priority and benefit priority" on the basis of continuous exploration and practice.

President Jiao Yuquan pointed out that in order to further meet the needs of bank risk management, it is imperative to embed risk prevention into the whole process of business development and management, realize the parallel promotion and organic unity of business development and risk prevention, profoundly change employees' behavior habits, ways of thinking and values, and establish a set of risk differentiation concept system suitable for bank development. The concept construction of risk culture has gone through two collections of opinions from the whole jurisdiction, three creative group discussions, two party Committee studies and one collection of opinions on the discussion draft. The creative team selected, discussed and revised more than 1000 ideas, and widely listened to the opinions of experts from the head office, literature professors from Liaoning University, cities and departments. After several drafts, the revision was finally completed. The concept system of risk culture of Liaoning Branch is divided into two parts: the concept part and the warning part. The concept chapter consists of four core concepts of risk culture, five professional risk culture concepts and eight business risk culture concepts.