Internal Audit Application In Commercial Bank Risk Management

In monetary management companies, commercial banks have the particularity that their funds only a small part of the total assets, compared to other companies, more risk aggregation. In the financial sector, commercial banks have an important role, but play a vital role in our economy, in addition to China's rapid economic development, social progress is important. In our country through the financial system has continued to optimize the process, the degree of China's opening up has also been strengthened, this situation will bring some of the opportunities and challenges of China's commercial banks.Commercial Banks in the process of economic development gradually out of the protection of national policy, unceasingly rich and complex Miscellaneous, followed by business risk gradually get bigger, the inevitable challenges are in the process of development of business bank's risk management level put forward higher requirements. And based on the control of the risks of commercial Banks, internal audit will play a crucial role, guided by the risk management audit method of introduction of science, system of commercial Banks risk evaluation, timely and effective to find out the insufficiency and weakness in management, and adopt corresponding countermeasures to cope with the risk of loss, so as to improve the internal control and risk management, is the subject of this paper study.This paper includes the following five parts: the first part of the background, significance and research methods of the study of the detailed introduction; The second part mainly analyzes the cause of the risk of the bank of China and its application status quo of internal audit; The third part mainly analyzes the internal auditing in the bank of China, the application of risk management system; Bank of China, the fourth part focuses on analyzing some related cases and calendar year internal audit system in the specific application, and how to prevent such risks in the future to put forward some feasible rationalization proposal, made a summary at the end of the paper the analysis of the above research and put forward the objective in this paper, the improved method used in some of the reality of limitations and internal audit in the future application prospect in the commercial bank risk management.