Research On Internal Control For Credit Department Of Minsheng Bank S Branch

With the rapid development of financial market globalization,the bank operating risk is increasing day by day.At present,the credit business is the main means of profit of commercial banks,but also brought credit risk.Through the analysis of the bank's business case,the results show that in many banks,resulting in economic losses or even bankruptcy,the fundamental reason is the imperfect credit management system.With the reform and opening up,for commercial banks,often pay more attention to the scale of business development and business development,to a certain extent,ignore the internal credit management system maintenance and risk prevention.At the same time,in the credit management process,due to the existence of a large number of uncontrollable factors,and then lead to the risk of compliance,to the banking system to bring some impact.To sum up,for commercial banks,we should pay more attention to credit risk management,and gradually improve the internal management system and system to ensure that China's commercial banks stable and convenient development,has become an imminent problem to be solved.In 2009,China's Minsheng Bank listed in the country,the bank's business development is more rapid,while more emphasis on internal management system,but in the risk prevention and control,there are still shortcomings.For Minsheng Bank S line,belonging to the head office directly under the jurisdiction of a branch in the banking sector in the region play an important role.With the rapid economic development,Minsheng Bank S branch is also actively expanding the scope of credit business.Therefore,in this article,how to better ensure the stable development of Minsheng Bank,internal management credit risk can be described as the most important.In this paper,firstly,the author introduces the research results of domestic and foreign research in recent years,and then introduces the relevant basic theory and related content,studies the successful experience of internal control risk,analyzes and studies This paper points out the shortcomings in the internal control of the credit risk management of the bank,and puts forward the relevant solutions according to the actual situation.Through the comprehensive analysis of Minsheng Bank S branch of the credit risk management department of internal control,control its influencing factors,effectively prevent the existence of the crisis,and then conducive to Minsheng Bank S Branch to achieve stable and safe development.