The Study Of State-owned Commercial Bank Internal Control System

Get into for 21 centuries, finances in all countries turn and internationalize in the liberalism, innovation, the market integral whole turns process in, the commercial bank risk's problem is gradually outstanding. Its reason is the blemish of inner-controlled system. This text put forward in analyzing our country commercial bank inner part controlling present condition of foundation our country commercial bank internal control system of key problem. This text drew lessons from German commercial bank, the classic inner part of the American commercial bank and British commercial bank control system, get summary our country commercial bank inner part control an institutional apocalypse. This text sets up our country commercial bank inner part a control system from several following. The first, the organization structure of perfect internal control of our country commercial bank, and build up a risk management system. The second, perfect our country the commercial bank is internal to control environment, aim at an existing internal control environment of the order a problem to put forward rationalization to suggest. The third, improvement risk valuation system, from the credit risk, operation risk and market risk three aspect analysis the risk become because of reach agreement a method definitely, and choose misty layer an evaluation a method establishment our country the risk early-warning mechanism of the commercial bank. The fourth, the human resource which sets up the internal control of the our country commercial bank encourages a stipulation mechanism, and build up the index sign system of the key results to be controlled with perfect commercial bank inner part.