XZ Agri-businesses Bank Internal Control Problems And Countermeasures

Rural commercial banks is a grass roots financial institution rooted in rural areas,which plays an important role in supporting the construction of agriculture,rural areas and farmers.As the rural commercial bank has been reformed into a rural credit cooperative,there are many problems in the internal control management,which not only affect the settlement of the three rural problems,but also restrict the development.Therefore,it is necessary to research the internal control of rural commercial Banks.This paper treats XZ rural commercial bank's internal control as the research object,On the basis of describing the organizational structure,internal control system,internal control monitoring system and talent team construction of the internal control of XZ rural commercial banks,then we we discover the internal control problems of XZ rural commercial banks are more serious,mainly manifested in five aspects:internal governance structure chaos,backward in technology of risk assessment,illegal operation,poor information transmission and inadequate internal supervision.There are many reasons for this problem.Firstly,there are defects in the ownership structure and property rights system of XZ rural commercial bank,which fails to realize the real independence and management of legal persons.Secondly,the risk management awareness of the management is not strong,lack of advance risk assessment methods and professional personnel team building;Thirdly,the risk management consciousness of the management is not strong,lacking internal control culture and the risk management is not regarded as the key link of the internal control of the bank.;XZ rural commercial bank has not yet formed a good corporate culture of internal control.Managers and basic staff have little knowledge of internal control,so that they can not effectively implement relevant policies in place..Finally,XZ rural commercial bank has not formed a perfect internal control supervision and management method,and cannot timely find the problems in internal control and corrected effectively.For XZ rural commercial bank internal control problems,this paper draw lessons from foreign developed countries in the construction of internalcontrol management system,the useful experience for solving problem of internal control,combined with reality of internal control management of XZ rural commercial bank,this paper puts forward some pertinent suggestions for improvement,mainly include optimize the internal control environment,establishing internal control risk assessment system,establishing and improving internal control activity system,improving internal control information communication system of banks and strengthening internal control system,etc.For this paper,after we researched the internal control problem of XZ rural commercial bank,then we found a feasible solution to solve it.We hope this paper can provide valuable research conclusions for the improvement of the internal control and management level of rural financial institutions,as well as a beneficial reference for the stable and healthy development of financial institutions.