Analysis Of Internal Control On Credit Security For C Bank

This paper, by means of internal control relevant theory, throughfour aspects, carry on the analysis research from different angles to Cbank credit assets security of the internal control, raising, analyzing andsolving the question as the main line, carding C bank loan process, athorough analysis on the safety of credit assets internal control problem,and the reasons, so as to solve the credit assets security problems, putsforward the related countermeasure.The first part from C bank credit asset management of the overallsituation of the C bank account first is the nature of joint-stockcommercial bank, which was the former state-owned bank, for manyyears in the achievements management; C bank asset scale, head office ineach big listed Banks of total assets and income ranking, position and performance of each branch in the whole nation; scope of business,management of various financial products, and provide the relatedservices. Secondly from credit varieties, time limit, industry, asset qualityand so on four aspects introduces the C bank credit assets structure.Finally from the business to deal with principle, credit assets riskclassification and early warning, bad asset disposal and so on three Angleintroduction C bank credit assets security control system.The second part through carding loan application, loans and creditmanagement of the three links of each business processes, draw C bankloan flow diagram, combined with the internal auditing department ofaudit results, puts forward the problems existing in the process of loans,so as to reveal the loan process of internal control management of theweak link, At the same time, from internal control goal evaluation andinternal control evaluation of five elements of two point of view of the Cbank credit assets security for evaluation and analysis, it is concluded thatthe evaluation results. The third part from the point of view of the internal control of thefive elements, i.e., the control environment, risk assessment, controlactivities, information and communication and monitoring, analysing Cbank credit assets security problems, among them, the internal controlenvironment divided into enterprise culture, internal control system,organization establishment and responsibility distribution, internal auditorganization setup and so on four aspects; Risk assessment and dividedinto evaluation principle, identification and evaluation method, the risk ofC bank since the assessment results and the existing problems. Make fulluse of internal control theory and combined with actual situation of the Cbank, analyzes the crux of the problem, for the next step to solveproblems do foreshadowing.The fourth part for C bank credit assets security problems, from thepoint of view of the internal control of the five elements were putforward the improvement measures and opinions, for C bank to provideeffective solutions, thus help them to improve the credit assets security management environment, strengthen loan process management ofinternal control, and the implementation of effective internal controlactivities, etc to take necessary measures to regulate loan process, reducethe business risk, increase market competitiveness, and enlarge the shareof market, at the same time, to safeguard the financial market order alsohave a certain role in promoting.Based on the internal control relevant theory as the foundation, tointegrate theory with practice, and with field investigation, the meeting,interview and case analysis, and other combination of methods, based onthe analysis of the concrete problems and solve in order to strengthen theinternal control of commercial bank loans process management purpose.