Study On The Risk Management Internal Audit In Commercial Bank

Double the influence of dual reconstruction of the banking and financial crisis, uncertainty and instability in the commercial bank management activity also acts in responses having enlarged the commercial bank managing increase by, thereby rapid risk. controlling and management administration to commercial bank, to risk already having become the key of competing for success or failure's, therefore, Domestic and foreign commercial bank strengthen the management and control the risk by adjusting corporate governance structure and building an overall risk management system. And how to ensure the position of internal audit in risk management process has been a focus of our research. According to this paper, internal audit plays an important role in preventing and controlling risk as a corporate governance structure in the important constituent, and as a self-development, internal audit has its unique advantage in the enterprise risk management with its independence, authoritative and professional.This paper starts with the review of the historical evolvement of risk management and internal audit, uses auditing, management, and economics theory, analyzes the motivation for internal audit to participate in ERM, surveys and analyzes the current situation of the commercial banks internal audit and the reason. Then, under the guidance of the modern risk management audit concept, to analyzes the effective operation of the safeguard mechanism and measures about the risk management of commercial Banks internal audit; finally, by combining the actual situation of Industrial and commercial bank of China ,and analyzes the condition of risk management internal audit in ICBC, in addition, analyzes the related experience and the problem that needs to be further solve .That the risk management internal audits theory effective application controlling aspect in risk is a brand-new but complicated problem, this article only puts forward ideas and solutions to the commercial banks, hopes that there is certain significance to other companies.