Application Of Loop Rural Commercial Bank Credit Risk Internal Control

Hetao agricultural commercial bank are restructured from the rural credit banks, but the operation is still supported agriculture, the main force in the development of the rural financial system.With the development of China’s rural economy and Series on rural land reform policies issued by the State,land management rights can be pledged.This phenomenon will create a greater demand for financial services.With the country’s gradual liberalization of interest rate controls,banks can no longer rely on excessively credit interest rate differentials to make a profit.Because the agricultural firm’s business is relatively simple, it faces greater challenges.It operation time is short, many of the management system is not perfect.Credit internal controls still have significant deficiencies.I have the actual credit risk internal control Hetao rural commercial banks analyzed and comprehensive analysis of the reasons for the low effectiveness of its internal controls credit risk.And from the five elements of internal control to illustrate how to build credit risk and application of internal controls.Through this research can improve the actual credit risk of internal control,to improve the credit quality of services, reduce non-performing loan rate due to human causes.