Study On Optimization Of Internal Control Mechanism Of Shanghai Pudong Development Bank's Loan Project

The commercial bank loan project is the main business income source that supports the bank's continuing operations,and it is also the main source of risk for commercial banks.Loan business not only faces business operations and other risks,but also faces various types of risk such as customer default and market changes.It is a project that commercial banks should focus on risk management.The bank's internal control system is a key link in the bank's business process,and it is also a basic guarantee and an important means to prevent various risks of the bank.Commercial banks occupy an important position in the financial industry.The perfection of their internal control systems not only relates to the development and operation of banks,but also deeply affects the development trend of the financial industry,and even affects the stability and development of the society.Based on relevant theories of project management,this article analyzes the current situation of Shanghai Pudong Development Bank's internal control in detail and thoroughly analyzes the current internal control problems of Shanghai Pudong Development Bank,such as weak internal risk awareness,incomplete risk management mechanism,defects in control activities,and risk asymmetry.Insufficient penalties for violations,etc.Based on the specific conditions and background of Shanghai Pudong Development Bank,the Bank put forward the overall goal of optimizing the internal control of Shanghai Pudong Development Bank and established the overall plan for the optimization of the internal control of the Shanghai Pudong Development Bank's head office.Specific improvement measures include strengthening internal risk awareness,improving risk control mechanisms,detailing operational procedures,optimizing control activities,and strengthening supervision systems.With a view to improving the proposal,it can be applied to the practice of SPDB's business operations,improve the effectiveness of its internal control mechanism,and prevent the recurrence of illegal loans.At the same time,we also hope that the internal control mechanism optimization measures proposed in this paper can provide reference and reference for other commercial banks.