Research On Diagnosis And Optimizing Of Credit Business Internal Control System In The Branch Of M Bank

With the advent of "Internet+" era,Internet finance rapid development,financial market competition intensified.Although the business development of commercial banks thus ushered in new opportunities,but the traditional financial business also suffered a shock,especially for state-owned commercial banks,the Internet financial will inevitably impact the oligarch monopoly pattern.At the same time,because of China's economic slowly growth in recent years,some enterprises repayment ability are dropped,leading to increased risk of bank credit business.In response to the current situation of the economic downturn,the central bank cut the reserve requirements of financial institutions for many times,in order to increase the loan supply,so support the development of the real economy.But the interest rate market caused bank also spreads narrowed and reduced profit space at the same time,And China's state-owned banks in China's economic development plays a very important role,it can sound operation and development of our country has a close relationship with the stability of the economic and financial order,therefore,how to avoid credit risk,enhance their profitability is the problem of state-owned Banks currently need to pay more attention.Credit internal control is the first barrier to guard against credit risk for the state-owned banks,how to build effective internal control over the credit guarantee system,to guard against credit risk,ensure the safety of fund is the key issue to be resolved.Therefore,correct understanding of state credit problems existing and the defect in the internal control system is an important task of the present stage to build a complete scientific credit internal control system.Based on M Commercial Bank branch of province for example,to its credit business situations,such as the credit business process and credit business internal control system are described in details.Using in-depth the bank field survey,interview relevant personnel.through the test and inspection methods,the M Commercial Bank branch of province internal control system are analyzed,and found that there exists many defects in the multiple parts of the credit internal control.and starting from the five elements of internal control.analysis the cause of the branches of the credit deficiency in the internal control.Finally.combined with the demand for the development of M Commercial Bank branch of province and the problems existing in the internal control environment.credit control system optimization measures are put forward.Hope that through this article research,improving the state-owned bank credit business internal control system more complete and comprehensive,can effective against potential credit risk,and for the state-owned commercial Banks credit to the construction and improvement of the internal control system to provide the reference.