Internal Control Research On Micro Business Loans Based On T Branch Of BS Bank

China’s economy is in the "new normal" stage currently. To keep the economic operation within the proper range, it’s necessary to have full employment for protection. For now, small and micro businesses is the main source of absorbing labor,and it is an important way to withstand the current economic downward pressure. In the long run, through the support of small and micro enterprises can not only encourage people start their own business and to make innovations, but also an important measure to promote the sustainable development of China’s economy. BS bank began to carry out small enterprise loan business in 2005,it is the first to launch small micro financial services of commercial banks.During these ten years, it has accumulated a lot of valuable experience in business development, risk assessment, credit monitoring,also provides a good model for peer to engage in such business.As the forerunner to carry out the loans, BS bank has divided small and micro enterprises into small enterprises and micro enterprises, this paper studies the micro buisness loans.But with the domestic banks continue to carry out small and micro enterprise loan business and the rise of peer-to-peer lending,the forerunner advantages of BS bank has been more and more weak, so if it want to keep advantage in the fierce market competition,we must keep pace with The Times and make appropriate adjustments in the internal control of the organization structure, risk assessment and performance evaluation system.In summary, strengthen the micro credit risk management, improve the quality of credit assets is BS bank to keep the inevitable requirement of micro credit brand characteristics, but also to ensure that the basic means of bank safety, profitability and liquidity, even a positive respose to support the healthy development of micro and small enterprises.Combined with the current characteristics of the small and micro enterprises,this paper analyzes the process and the internal control status of micro business loans,taking the T branch as the main body. Then, the paper points out the problems of the internal control of the micro business loan, and puts forward suggestions on how to prevent the risk effectively and improve the quality of bank assets in the process of developing the micro business loans.