NE Rural Commercial Bank Credit Risk Internal Control Research

Since the reform and opening up,the rapid development of China’s economy has greatly promoted the development of the domestic financial market,but in recent years,with the fluctuation of the economy,the financial market has become unstable.The commercial bank is one of the main parts of the modern economic market financial system.Its most important business is credit business.Credit risk exists objectively in the credit business process,and it is also inevitable for the commercial bank.To strengthen the credit risk management of rural commercial banks,contribute to China’s commercial banks to establish scientific credit risk internal control system,enhance the core competitiveness of commercial banks,and promote the healthy operation of China’s rural financial market,provide good financial support for the development of agricultural economy.However,due to the rapid development of the market business model,innovative financial products,coupled with the rural commercial banks lack of time,lack of management experience,leading to widespread credit risk frequent phenomenon,especially in recent years the emergence of a large number of commercial banks in rural areas under the background,how to strengthen the construction of internal control in rural business bank of urgent need to improve the credit risk management.NE rural commercial banks have long been committed to credit risk management and control,but because of the internal control system of risk control is not strong purpose,lack of risk assessment methods,risk control process oversight and other issues,so that its internal risk control overall efficiency is not high.Therefore,based on the NE rural commercial bank’s risk management and internal control of credit risk case analysis,and the problems related to the environment,control and supervision of the in-depth analysis of the reasons,from the perspective of internal control is put forward to strengthen the construction of the structure,to create a good cultural atmosphere of credit and optimize the credit risk assessment,establish credit information system to strengthen the credit supervision measures,strengthen the internal control of credit risk management ability.This paper puts forward the credit risk management measures of rural commercial banks based on internal control,which improves the credit risk management environment,strengthens the credit risk control means,and provides reference and reference for the credit risk management of rural commercial banks in China.