Internal Control Of Credit Business Of J Rural Commercial Bank In Shandong Province

In recent years,China's banking regulatory departments at all levels pay more and more attention to the rural commercial bank credit business internal control system,and realize that only by establishing perfect,reasonable and effective credit business internal control can really provide important support for economic progress and social development.Because our country rural commercial bank the predecessor for rural credit cooperatives or rural cooperative bank,the bank reform is still in progress,so far as an important part of China's rural financial system,how to develop the credit business internal control design for departments at all levels in our country and the rural commercial bank itself is a significant and extremely arduous task.So from their own actual conditions to build perfect,reasonable and effective credit business internal control,for our country to explore the development stage of rural commercial Banks is of great practical significance,is worth us to do in-depth discussion and analysis.J in shandong province based on the rural commercial bank's credit business internal control as a case,the rural commercial bank credit business internal control related theory on the basis of deep understanding,according to the Basel committee in the COSO internal control overall framework of internal control design of the questionnaire,the questionnaire survey analysis J in shandong province rural commercial bank credit business internal control present situation and existing defects.Aiming at the problem of credit business internal control of the through put forward to strengthen the construction of internal control environment,effective internal risk assessment,establish an effective internal control evaluation system,diversified information and communication system and internal checks and other measures to improve J in shandong province rural commercial bank credit business internal control system.This article is divided into six parts,the first chapter is the introduction,introduces the research background and significance of the article,the domestic andforeign research status,the research content and the thought,the research method and the technical route.Chapter 2 the theory and method of internal control of credit business of rural commercial Banks,the basic theory,method and particularity analysis are introduced.The third chapter is based on the questionnaire investigation of J in shandong province rural commercial bank credit business internal control analysis,introduces J rural commercial bank basic situation of shandong province and according to the COSO committee with the authority of the questionnaire to the analysis of current credit business internal control.In chapter 4,the problems and reasons of internal control of credit business of J rural commercial bank in shandong province are analyzed,and the existing problems and reasons are analyzed based on the results of authoritative questionnaire.The fifth chapter is to improve the internal control of the credit business of shandong province J rural commercial bank and introduce the concrete measures.Chapter six: the conclusion and prospect of the research,the basic conclusion,the innovation and the shortcoming.