The Internal Control Evaluation And Improvement Of The Micro-enterprise Credit Business Of Baoshang Bank

Since 2005,the contractor's bank began to carry out the small micro financial business,belong to the first in China's major Banks involved in the business,after more than ten years of development,now the contractor's bank small micro enterprise loan business developed rapidly,outstanding achievements,but also developed their own unique set of risk prevention and control method,can play a role model,of this kind of business will be carried out theoretical and practical experience for other Banks.The rapid development of economy and society in our country at the same time,also constantly emerging of new problems and new risks,to further and stronger small micro enterprise loan business,contractor's bank must closely around the market changes,adjust its organization structure,management processes,internal control,IT systems,etc.,to ensure efficient and timely."Do the best small business financial services integrator" is the contractor's bank in the future a period of one of the main development goals,and do a good job in the business of risk management to ensure the quality of small enterprise loan business is good,can achieve this goal,this also is current economic decline in the overall situation,to ensure the safety of the operation,the only way for risk prevention,in line with the whole society to carry out the scientific outlook on development,support the development of small and medium-sized enterprises,realize the sustainable development of aggregate demand.The author deeply analyses the characteristics of the current situation of small enterprises in China,through the analysis according to the contractor's bank small enterprise loan products and business process and risk prevention and control measures,points out that in terms of small business loans internal control,contractor's bank at present,there are defects exist,and then give the corresponding countermeasures and Suggestions,so that the contractor's bank in the process of micro lending business,the internal risk control more colleges and universities,asset quality and business level was improved.