The Research On Rural Commercial Bank Credit Risk Internal Control

In recent years，Rural commercial bank in our country after the originaljoint-stock reform of rural credit cooperatives, gradually from weak to strong. Butdue to system problems and mismanagement and other reasons, the rural commercialbank credit business risk in recent years. Investigate the root cause, the brunt of thecredit business internal control system is the mainly reason. At present, the creditbusiness is the backbone of the rural commercial bank business, bad credit businessto deal with the risks of credit has become the main challenges facing the ruralcommercial bank in recent years. How conduct a comprehensive financial reform inour country and the mercerization of interest rate in the forefront, and explore a setof suitable for their own credit risk internal control system is an urgent need to solvethe problem. Based on T city rural commercial bank as the research object, analysesthe rural commercial bank credit business internal control system present situationand the existing defects, and puts forward Suggestions for improvement on theexisting problems. There are five sections in the full text. The first part is introduction,mainly introduced the situation of internal control theory research at home andabroad and the paper selected topic background, significance and research methods.The second part is the summary of rural commercial bank credit business internalcontrol systems, mainly introduced the concrete connotation of rural commercialbank credit business internal control system. The third part is case analysis, with Tcity rural commercial bank the research object, mainly introduced the T city ruralcommercial bank credit business situation and the existing credit business internalcontrol system of the basic situation, combined with the specific case of T city ruralcommercial bank credit business internal control system of defects and the causes areanalyzed. The fourth part is Suggestions of rural commercial bank credit businessinternal control system, mainly from the internal control environment, institutionalSettings, internal supervision, science and technology information system, riskassessment, improve the system of post-loan management of T city rural commercialbank credit business internal control system improvement Suggestions are putforward.