Research On How To Improve The Credit Business Internal Control System Of S Commercial Bank

Commercial bank is an important part of China’s economic development,and in a lot of businesses in commercial banks,credit business is the main source of bank’s profits.In recent years,cases of credit business happens a lot.how to use a good internal control system to avoid and control risks and improve business quality has become an urgent need to be study.By reading a lot of literature methods and studying of the S commercial bank’s credit business cases.this paper had a deep research on the credit business internal control system of S commercial bank and its problems.The study find there are lots of problems:the bank did not establish a good credit business internal control culture, risk assessment is not comprehensive, control activities need to be improved, C3 credit management system does not include the customer’s information comprehensively,monitoring and evaluation is not comprehensive.Based on these studies, this paper had an improvement to the S commercial bank credit business internal control system:First is strengthen the internal control environment construction,including set more reasonable credit responsibility,develop a "legal banks’ internal control culture,strengthen credit practitioners professional quality.Second is enhance risk assessment construction,including strengthen credit risk of new types of warning education,strengthen capabilities of evaluating guaranty and collateral.substantial credit risk assessment system.The third is strengthen control activities,including make sure the credit business internal control system carried out properly,establish a scientific incentive mechanisms.The forth is increase the information coverage of C3 credit management system.The fifth is strengthen monitoring and evaluation, including strengthen the supervision of grassroots senior administrator, expand the scope of internal control evaluation.Believe this research can improve the quality of S commercial bank credit business internal control, and make a positive effect to other study of bank’s credit business internal control system construction.