Under The New Normal Internal Control Research About Small And Micro Enterprise Loan Business Of Commercial Banks

Since 2008 the US subprime mortgage crisis broke out,China's real economy began to experience pain.Commercial Banks began to face the drop of business income levels and the plight of risk concentration outbreak.Major foreign economies in exports encounter cold,meanwhile domestic factors of production prices continue to rise and the arrival of demographic dividend inflection point hindered the expansion of internal demand in our country.The resulting slowdown has become reality.Under the new normal economy,the problems of financing for small micro businesses are becoming more serious.The study of micro loan business of commercial bank in the way of internal control,is conducive to the continuous improvement of the commercial Banks internal control system,is beneficial to the health of the financial system stability,is conducive to the sustainable development of social economy.Based on this background,this paper intends to study the internal control of the commercial bank's micro-lending business under the new normal economy.Firstly,the research background is expounded from the three aspects of internal control,finance and economics.The research framework of this paper is also presented.The innovation point of this study is mainly in the case of the case N bank,which is representative of the commercial Banks,and the focus on the new normal is timely and innovative.The deficiency in this paper is mainly due to the lack of more data support.Secondly,this paper reviews the domestic and foreign documents and reviews relevant research and practice.Again,in this paper,the new normal economic and micro loan business of commercial bank's internal control are analyzed in theory.Then,this article from the new normal,N bank credit business internal control in system design and system implementation aspects put forward the existing problems,and analyzed the reasons.Finally,in order to adapt to the new normal economy,aiming at the problems of N bank,this article from two aspects of internal control system design and system implementation put forward related Suggestions to perfect the micro credit of commercial bank internal control.