Research On The Internal Control Of Credit Risk Of Bank A's QZ Project

With the deepening of the reform of China's banking management system and regulatory system,the internal control of the domestic banks is also becoming increasingly perfect.In the course of the study,the researchers will be A living environment upgrade project of the A bank credit risk control is introduced to the topic research based on the combination of A environment to enhance risk control of bank credit project,analyze and control the project credit risk control framework system,combined with the questionnaire and data analysis in order to find the existing problems,put forward the internal control improvement strategy.This article from the credit management system of internal control of A bank based on the specific circumstances of its internal control system to carry out elaborated the analysis and evaluation of the internal control system management,find the defects of the internal control system of the bank credit business,and the causes of problems are discussed,and puts forward some feasible suggestions for the internal control system of A bank,especially to provide a useful reference for the study of the construction of internal control of credit business,commercial banks in the economic downturn,prone to credit risk today to promote credit quality improvement has practical significance.Taking the case of bank credit risk control of A residential environment upgrading project as an example,the paper studies the internal control system of credit risk.The main contents of this study is to improve the living environment through the A project of A bank internal control case as the main content based on credit business theory,credit evaluation based on the results,analysis of the A internal control framework to enhance the living environment improvement project and control methods,find the management problems and causes,and the strategy is presented to solve the problem of context,A proposed countermeasures to improve the internal control environment renovation project credit risk.Found in this study: A bank in credit risk internal control exists in the internal control environment is relatively weak,credit risk identification control,internal control of credit risk to strengthen information system lags behind etc..Finally,according to the existing problems,based on the A bank credit risk management system of internal control to improve the analysis of the necessity and basic principle on the proposed A bank credit risk internal control system improvement measures,including: the construction of a good internal control environment,improve the overall internal control consciousness;strengthen risk identification and assessment of credit enhancement;internal control ofcredit management activities;improve the credit management information system.I hope the research can provide a reference for the improvement of the internal control system of bank credit risk,and also provide some reference for the commercial reform of policy banks in china.