Agricultural Bank Of China Harbin Branch Based On The Inner City Control Of Risk Management Research

Based on spot investigation, the agricultural bank of China Harbin branch in city of its internal control and risk management present situation and the analysis of existing problems, puts forward the Harbin city branch of risk management system optimization and construction Suggestions and fusion of relationship between internal control and risk management. Application of related theory of Harbin city branch based on the internal control of the risk management question has carried on the comprehensive analysis of the Harbin branch city comprehensive risk management puts forward systematic safeguard measures and Suggestions, to promote the brand development, and provide reference to the same industry. This article research mainly consists of the following sections:The first part is the introduction, the article main research route and direction was introduced in brief. Of thesis research background, significance,main research contents, research methods and technical route are discussed in detail, the management of the related theories and literature review, also in this section for the study of the paper unfolds the route and direction is determined. Is mainly based on the enterprise internal control theory, and analyze the relationship between internal control and risk management is the main link, at the same time using the COSO committee in internal control and risk management,summarized the influencing factors of relationship between internal control and risk management;The second part, through on-the-spot investigation, the author mainly introduces the basic situation of the agricultural bank of China Harbin branch city, provides the article research conclusion to draw the corresponding practical data and theory. Author main profile is introduced, from the agricultural bank of Harbin city branch institutions to finances, can analyze the bank a lot of business from the present situation of internal control to the risk management as well as the problems arising from the present situation. Through organization structure,management ability and management status of internal control three levels on the current situation of the development of the macro and micro induction and analysis, then the branch based on the developing trend of risk management ofthe internal control of the corresponding analysis, finally, the branch based on the problems existing in the internal control risk management comprehensive analysis and evaluation;The third part detailed clarify to establish internal control framework of constructing risk management system, the train of thought and application integration. Combined with the branches above the analysis of the internal control and risk management issues related to use of the overall design,combined with the feature of the relationship between internal control and risk management, on the basis of establishing the internal control risk management mechanism;Fourth part according to the analysis of the situation and system, construct scientific analysis from the perspective of internal control, the feasibility of establishing risk management mechanism, and combining with the operating characteristics of the branch and actual situation, the implementation of the regulation and the establishment of specific strategies. In addition, through the system building, and expectations of risk management mechanism is analyzed.After system is established, this study will predict risk management system to build the desired effect. According to the related risk management strategy, the preventive and control measures for concrete, at the same time from the organization system, credit, management, operation and marketing point of view to analyze the internal control. And from strengthening the construction of core value, promote talent team, provide personalized financial services in brand position, etc., measures to ensure the smooth implementation of the proposed risk management system;Finally, this article summarizes the research results, at the same time, the article studies the deficiencies and future direction of further research were discussed. In order to promote agricultural bank risk control environment, city branch all staff to clear to know the importance of comprehensive risk management. Based on the good control condition, which is beneficial to city branch internal implementation of information communication, to ensure that all personnel can clear responsibilities, in the process of work, in view of the important information to implement internal and external communication. All of these will allow Banks to better identify internal and external factors influencingevents, convenient Banks to seize the opportunity, in turn again to the risk assessment and risk response to have a positive impact. If Banks can adopt new information technologies, at the same time identify the risks and opportunities, to control the risk, the opportunity to grasp, will be able to make the bank's target couldn't be deviation, make the bank always along the designated target development smoothly. Based on the above basis, city branch can enhance the level of control activities and the specific implementation of performance evaluation, information processing, physical control, separation of duties, etc.,these measures can ensure city branch well implemented comprehensive risk response plan.