Research On The Method Of Examining The Financial Information Of Small Micro Enterprises Based On IPC Technology

State Administration for Industry and Commerce released data show that in 2016,the private economy,small and micro enterprises to become a new bright spot in the field of economic development,the new small and micro enterprises annual opening rate of 70.8%.As of the end of last year,the country's individual and private economic practitioners have 310 million people,an increase of more than 27 million 821 thousand people in 2015,reflecting the development of small and micro enterprises to make great contributions to China's economy.However,small and micro enterprises due to their limited operating scale,there are many difficulties in the follow-up operation and profitability,mainly in the high operating costs and less financing channels.Ma Yun in 2016 December in the ant gold service was established 2 anniversary annual meeting speech,over the past two hundred or three hundred years,the financial system is the "28 principle",good service of 20%leading enterprises can get 80%of the profits,the next two hundred or three hundred years is the theory of "82" service,80%small and micro enterprises in order to obtain new profit space."11 th Five-Year" planning outline "growth project" concept Small and micro businesses,"12th Five-Year" planning period of each unit gradually completed Small and micro businesses development projects,the major commercial banks have established small and micro financial service station,to help solve the problem of financing.But Small and micro businesses has been difficult to solve the problem of financing,due to Small and micro businesses financial data is not perfect,the lack of qualified mortgage,there are many drawbacks from bank loans,the banks only respond to national call,for they are not familiar with Small and micro businesses loans,allowing banks to increase credit risk,affecting the quality of bank assets,bank lending into vicious spiral.So how to audit the financial information of small and micro enterprises is the key to solve the difficulty of loans.This paper takes HS bank as the research object,the comprehensive audit Small and micro businesses financial information method research,through the analysis of the status of audit of financial information,to find the existing Small and micro businesses financial information in the audit process,and tries to solve these problems,ensure the realization of bank profit maximization risk minimization.This paper is divided into five parts:the first part is the introduction,which introduces the research background and significance,research status at home and abroad,research ideas and research methods,research innovation and characteristics.The second part is the theory of small and micro enterprise audit financial information,introduced the audit of small and micro enterprise financial information related concepts,financial information audit methods and functions and IPC technology.The third part is the analysis of the current situation of HS bank audit Small and micro businesses of the financial information,the main problem of HS bank audit Small and micro businesses financial information work method,are introduced and analyzed and pointed out the possible problems;the fourth part is the suggestions to optimize the IPC technology of HS based on the method of bank audit,mainly from the real data verify the financial statements and cross validation and cross validation,attention to the interests of the audit investigation links the deepening of cash flow analysis and qualitative analysis and quantitative analysis,analyzing the side reflection of HS banks can be improved.It has strong practicability and pertinence.