The Research On The Improvement Of The Credit Business Internal Control System Of H Branch Of Construction Bank

Faced with numerous and complex external environment，as well as variouskinds of business, the bank’s management risk is becoming increasingly intensified.At present, the credit operation still is our commercial banks’ core business. The loanstill is the main part of commercial banks property, the credit risk also is the biggestrisk among the commercial bank management. Looking back to the development ofthe banking sector，the failure of the control of credit risk always lead to very seriousconsequences，such as operating profit loss，bankrupt, etc. In the developing process,the commercial bank has the one-sided attention to the service scale, the developmentspeed while neglects risk control, loosens the internal management. One of the mostprominent problems is the credit management in which the violation of regulationsoften occurs. The situation of the poor credit property quality has not been turnedbetter through out, such lesson is extremely profound. Establishment of internalcontrol will turn out to be a long process, and the problems existing in commercialbank are needed to be solved. Consequently, credit business internal controlconstruction is not only necessary, but also urgent. That is crucial for survival andhealthy development for China’s commercial banks.Construction Bank since2004achieve success since listing in the construction ofinternal control, has made some achievements and its internal control system isrelatively healthy, but there are still some risks and problems. H branch ofConstruction Bank has an important place in Hunan Province sector, with continuedeconomic growth in Hunan Province, the credit scale of H branch of ConstructionBank continue growth. So the credit risk evaluation and control of H branch ofConstruction Bank is important in practice. This article first introduces the definitions,the characteristics, the main performances and the contents of credit business internalcontrol elementary theories and contents, and then based on these theories，analyzethe operation process of H branch of Construction Bank credit business in order tofigure out its existing internal control deficiencies. Hoping that though out thediscussion of this thesis，the internal control of H branch of Construction Bank creditbusiness can become much more complete and comprehensive to guard againstpotential risks. At the same time，I wish this thesis can provide advisory suggestionsto the construction and improvement of internal controls of other banks and othersimilar reference departments.