Research On Modern Risk-oriented Internal Audit In Commercial Bank

Banks as the mainstay of the financial industry in a country occupy a pivotal position in our national economy.It's main business includes assets business,liabilities business,intermediate business.The soundness of the banking industry is related to the smooth of the whole financial chain.With the transformation of the economic environment,the aggravation of same profession's competition,the turmoil of stock market,uncertain factors and the risks banks faced will be more and more complex.The bank is in the trouble from outside and inside.For banks,identification risks,estimation risks,analysis risks,and aversion risks have become important tasks.Traditional audit methods cannot deal with risk very well,but the core of the modern risk-oriented internal audit is concerned about the risk,this audit model is just in line with the current needs of the bank.However,it's so late to use the modern risk-oriented internal audit in our country that we are unable to compete with the international modern risk oriented internal audit.The modern risk oriented internal audit guided as the theory of strategy,the system theory and the theory of the risk management is a new audit model oriented by risk.What's the specific theoretical basis and the present situation of the pattern,how can it be carried out,and what can we do to deal with the problem existing now.This paper focused on these issues will be described by the following sections.The first part is the introduction,which mainly introduces the background,significance of the research,the domestic and foreign research results,as well as the ideas,methods,and content of the research.The second part introduces the theoretical basis of the modern risk-oriented internal audit-strategic management theory,system theory,risk management theory and how to guard the going-on of the modern risk-oriented internal audit.In otherwise,this part introduces the summary including feature,requirement,inevitability,feasibility?This part also introduces the overview of related to modern risk-oriented internal auditing,the characteristics of modern risk-oriented internal audit,internal audit requirements.The third part elaborated the modern risk-oriented internal audit program,the specific applications in the commercial bank in the program reflects the modern risk-oriented internal audit is how to help identify and assess risk of commercial bank,and effective control of risk.The fourth part analyses the current situation of modern risk-oriented internal auditing in the commercial bank and analyses the reasons of the problems in the present situation.The fifth part,according to the theory of modem risk-oriented internal auditing present situation of commercial bank problems put forward practical and feasible suggestions.The sixth part through case analysis of S Bank specifies the problem.First of all,the S Bank made a brief introduction to the basic situation of the bank,then the thesis describes the implementation of the modern risk-oriented internal audit,and find the problems in the implementation process,and put forward reasonable measures to solve the problem.The significance of this thesis tells you what is the modern risk-oriented internal audit,the characteristics,the applications of it,and its state show under the particular bank,and I hope the application of the modern risk-oriented internal audit in the bank and makes a difference.