Research On Realistic Choice And Optimization Of The Control Mechanism Inside The Chinese Commercial Bank

This article regards controlling mechanism inside the commercial bank of our country as the research object. The first part of the article has introduced the background of the topic, meaning and development course of the internal control theory --The internal check , the internal control, the internal control structure and internal control frame four stages, there are corresponding new intension and meaning at each stage, these theories have very strong reference value to the research that the internal control to the commercial bank of our country. The main research approach that this article grace uses is: 1.The systems approach is combined with structure method ; 2.Analyse and standardize and analyse that combines together in real example; 3. Induction method and deduction method that combines together; 4. The static behavior is analysed and combined with dynamic analysis. Second part It is mainly the introduction to controlling the main content inside the overseas commercial bank, through to two typical cases of accusing of failing internal control: Analysis of " Bahrain Bank's going bankrupt case and huge national debt case of Japanese Daiwa Bank Ltd. ", find the defect controlled inside the commercial banks of western countries, thus offer helpful reference and reference for setting-up and perfection of the controlling mechanism inside the commercial bank of our country. The third part It is one of the keystone of this article, to main three major risks which the commercial bank face --Credit risks, operate risk , market risk is through to nowadays prevailing on international banking for tolerance three major model and technological argumentation and study of method of risk this, find out the pluses and minuses of every model and actual terms that the commercial bank of our country want to use these models to need possessing, reveal the commercial bank of our country and sets up high-efficiently , perfects and accuses of the precondition that the technology system must possess and effective way inside, offer technology and tool guarantee for the thing that construction is suitable for accusing of the system in the commercial banks of the national conditions of our country. The last part of this text is according to two chapter suggestion and countermeasure put forward in the front, on the basis of analysing defect that the commercial inside controlling mechanism of our country exists at present, have put forward the overall frame of controlling system construction inside the commercial bank of our country, direct against five subsystems of the control system inside the commercial bank of our country more, put forward corresponding construction and optimize measure separately , realize inside controlling mechanism from get structuring and optimizing while being whole some wholly.It is still very unripe in construction to control the system inside the commercial bank of our country, need perfecting and improving further badly. The author hopes that can play a helpful reference arrivesing role for the construction and optimization that are controlled inside the commercial bank of our country through the analysis and discussion of this text.