A Bank X Branch Bank Credit Risk Internal Control Optimization Program Design

Commercial banks play an important role in supporting economic development and maintaining social stability in the process of sustained and rapid economic growth.The security of commercial bank operation is closely related to the stability of social environment and the safety of enterprise and individual.Due to the external environment and internal and external factors such as business management,commercial banks will inevitably accumulate non-performing loans.In recent years,the non-performing loans of commercial banks remediation,the proportion of non-performing loans and scale has been effectively curbed.However,the bank’s non-performing loans has not been fundamentally improved,there are still potential risks.To this end,the commercial banks must strengthen the internal control of credit risk,so as to achieve effective control and management of non-performing loans.Therefore,this paper studies the internal control of credit risk of X branch of A bank.On the basis of consulting a large number of domestic and foreign literatures,this paper defines the meaning of credit risk and internal control,and systematically analyzes the theory of credit risk management.Based on the questionnaire survey and interview research on the A X branch of bank credit risk internal control analysis of the current situation,that the A X branch of bank credit risk internal control problems mainly include:lack of internal supervision mechanism,internal business organization structure unreasonable,lack of credit personnel professional quality and lack of internal supervision mechanism and the reason can be summarized as:the lack of information sharing and supervision and evaluation,credit risk internal control environment is weak,inadequate attention,ideological consciousness,etc..This paper puts forward the A bank X branch credit risk internal control optimization scheme,including the creation of first-class team,optimize the management structure,improve the internal supervision mechanism and improve the performance appraisal system.Finally,the paper puts forward the safeguard measures of A bank X branch credit risk internal control optimization scheme.This paper aims to solve the practical problems encountered by commercial banks in the course of business development through the combination of theoretical analysis and case study.This study enriches the research results of domestic credit risk control field,and provides a new perspective and ideas for the X branch of bank internal risk control system reform,but also provides a reference for the reform of commercial bank in domestic policy,have certain theoretical and practical significance.