Research On Internal Control Of Wenzhou Industrial And Commercial Bank

Commercial Banks, as the main business of currency lending business at high risk of special high debt companies, plays an irreplaceable role in the national economic development of our country. Along with the development of global integration, the business activities of Banks is becoming more and more complex, the business scope expands unceasingly, in the face of rapidly changing market full of opportunities and risks at the same time, an urgent need to establish a sound system of internal control, strengthen the risk management of commercial Banks.Research on the commercial bank risk management and internal control has a long history, has formed a relatively complete theoretical system in the world, the western developed countries started the practice of risk management and internal control earlier, established a relatively sound internal control mechanism, the construction of internal control of commercial banks in China have positive significance. In recent years, the introduction of laws, regulations and guidance on a range of standardized commercial banks’internal controls,internal control system construction of bank of China wenzhou branch have made great progress, but the financial major cases still happen, which exposed that there are still many deficiencies in our country commercial bank’s risk management and internal control system. Therefore, it has far-reaching significance to establish and improve the situation of bank of China wenzhou branch for the internal control system, effectively improve and strengthen the bank of China wenzhou branch’s internal controls, prevent and reduce he risks of banks to raise the level of the operating commercial banks and international competitiveness.This article from the basic theory and constituent elements of commercial bank risk management and internal control, analyzes the difference and relations between risk management and internal control, points out that there is the demand of build the construction based on the comprehensive risk management ideas of internal control mechanisms, improve the commercial bank internal control level. According to status quo of the development of bank of China wenzhou branch, and analyzed status and problems of The industrial and commercial bank of China wenzhou branch. At last the paper put forward the useful measures about on how to deep internal governance of industrial and commercial bank of China wenzhou branch...