Study On Internal Control Of Credit Risk Of Commercial Bank

In recent years, with the development of China's economy, financial market has been in state of constant change, the outbreak of the financial crisis in the region, between the banks and t he competition is more intense, in this case, each bank by a great impact, bank in the presenc e of some of the problems gradually exposed, such as asset expansion, performance decline a nd credit business appear more adverse situation. Especially enterprises for bank loans overd ue also have occurred, which to the bank's credit business risk control brought serious test, to employees and departments related to risk control to bring certain reflection. Based on this, t his paper with a case study of banks of detailed analysis of the manifestation of the our count ry commercial bank credit crisis, the reason and the credit crisis management situation and p roblems and from two aspects of the improvement of our country commercial bank system it self sound and social financial situation to find out the solution method to solve.Through the summary of the analysis of A bank, the initial formation of the internal control s ystem of a set of independent and dependent constraints: first of all, in the control of the risk management of the construction of credit environment, mainly through around the objectives of internal control, strengthen the organization construction, to create a good atmosphere of credit culture and employees on the four aspects of appropriate incentives; secondly, through the cultural construction of computer network and control platform, to improve the credit ris k control measures; third, through the analysis of the theory of asymmetric information, the e stablishment of credit risk management system, which makes the whole process of credit inf ormation to open and transparent, reduce the impact of information opaque. Fourth, after the completion of the loan, to strengthen supervision and management, improve the credit risk re port, do you. Finally in the post Loan Accounting and supervision to strengthen managemen t. All in all, the credit risk management is the whole bank credit business, it should be contro lled from the whole system. Only in this way can guarantee the bank at the same time, but al so the risk control at a lower level. In addition, still need to further perfect legal system, the i mplementation of loan responsibility fixed, establish a scientific evaluation system, a compre hensive regulatory system, for borrowing in the construction of information network to incre ase investment, optimize all kinds of bank assets.In short to the healthy development of China's commercial banks we want to consider, combi ned with China's actual national conditions and development, to proceed with the reform fro m within the industry, adjust their thinking to construct a set of effective credit management measures, strengthen the consciousness of honesty and trustworthiness of the loan business,establish a comprehensive credit risk and evasion mechanism. Only in this way can the nonperforming loans of our country has reduced to a minimum, make our country's financial ord er stable and healthy to move forward.