The Risk Control Mechanism Of Commercial Banks In Rural Commercial Example Of A

Rural commercial Banks are an important part of China's rural financial supply system,which is an important support for promoting the structural reform of rural financial supply side and realizing rural rejuvenation.The 18 th national congress of the communist party of China(CPC)and the communist party of China(CPC)have made important arrangements to deepen the reform of the financial system,prevent and control financial risks.Especially in recent years along with the rural commercial bank target strategic transformation and the implementation of the management span development,facing the total risk,nature and structure evolve,rising risk complexity and relevance of the difficulty to further increase of internal control risk management.Based on this,how to implement the rural commercial bank risk management,to strengthen the construction of rural commercial bank's risk internal control mechanism,is the reality facing the sustainable development of rural commercial bank.A rural commercial bank by A reform of rural credit cooperatives,is A city financial strength strongest,most service outlets,the management of the largest financial institutions,and the city only A legal person bank.Over the years,A bank always adhere to the base county,rural financial supply orientation of service related to agriculture,rural areas and farmers,to optimize the local rural financial resource distribution,break the urban and rural separation of dual financial landscape,made great contributions to increase rural financial supply,etc.There is no denying the fact that A bank in recent years,adhere to in accordance with the regulatory requirements continuously strengthen internal control risk management,in such aspects as safety management,steady development has achieved good results,but we also should see its there are still some problems in terms of risk management of internal control,there are still many gaps compared with regulatory requirements.Therefore,this study will provide A rural commercial bank as the research object,to comprehensive risk oriented optimization under A bank internal control mechanism construction for research purposes is trying to find out the comprehensive risk management guide optimization under A bank risk is feasible for the construction of internal control mechanism and practical path.It is of great theoretical and practical significance to improve the risk internal control management,to achieve regulatory requirements and enhance its sustainable development ability.This study comprehensively applied theoretical research and empirical verification and case analysis to support each other,and discussed the construction of risk internal control mechanism of A rural commercial bank.This study is mainly divided into the following six parts:The first part elaborates the background and significance of the topic,summarizes the relevant researches at home and abroad,presents the theme and frame layout of the thesis,and reveals the innovation and shortcomings of the research.The second part introduces the relevant theoretical basis of this study,in the specified bank risk internal control mechanism construction related on the basis of the connotation and characteristics,the integrated use of the internal control related theory,the Basel capital accord,internal controls and risk management process of commercial Banks as the theoretical foundation and support of this study.The third part is the current situation of risk internal control management of commercial Banks in China,and discusses the internal and external environment of the risk internal control management of commercial Banks in China and the current situation and trend of development.The fourth part of A rural commercial bank risk management of internal control evaluation,analyzes the present situation of internal control to run A rural commercial bank risk,and through the relevant case analysis,strengthening the staff management,strengthen internal supervision,strictly implement the internal control management system of enlightenment and experience for reference.The fifth part is the policy measures to optimize the risk internal control mechanism of A rural commercial bank.The sixth part is the conclusion and prospect and the deficiency of the research.