Research On Internal Control Optimization Of Bank's Micro-credit Business

With the accelerated development of China's market economy and the deepening reform of its economic system,small and micro enterprises have gradually become the carrier of the real economy and the dominant force of the national economy,and have made great contributions to promoting market prosperity,social stability,and scientific and technological progress.In fact,it is difficult for small and micro enterprises to obtain commercial bank financing.There are always problems such as high difficulty,high cost,narrow channels and slow efficiency.This hinders the growth of small and micro enterprises and seriously restricts the stable development of small and micro enterprises.With the rise and popularization of information technology,the Internet and finance are deeply integrated.Internet finance has the advantages of universality,informatization,and low cost,and has set up a new financing platform for small and micro enterprises.In this context,the network-financing platform has blossomed,the banking industry's profit space has been squeezed,and competition among banks has intensified.Small and micro enterprise loan business has gradually become a weapon for commercial banks to implement customer structure optimization and business structure upgrading.It plays a key role in the strategic layout of market competition.In order to respond to the current economic policies of the state to support small and micro enterprises,optimize the allocation of resources within the financial system,and promote the expansion of commercial banks 'scale and customer expansion,commercial banks need to proceed from their own internal control to reduce credit business risks.In addition,rely on financial technology to improve the level of risk management of small and medium-sized customers.This article uses the principles and methods of internal control,internal control of commercial banks,financing of small and micro enterprises,etc...Through the theory of the five elements of the internal control COSO,the paper analyzes the business flow and internal control problems of the small and micro enterprises,and finds that there are deficiencies in cultural construction,risk assessment,process control,information communication,and internal supervision.In order to perfect the internal control system of the C branch and reduce the credit risk,the following suggestions are put forward: first,strengthen the compliance culture,and build thetalents team.Secondly,enhance the identification and assessment of business risk and establish a loan risk early warning management platform.Third,we will strengthen business process control activities and optimize financial technology to facilitate business processes.In addition,innovation in information technology and the establishment of long-term communication channels.Finally,improve the internal control evaluation mechanism and supervision system,intelligent technology to support the internal audit transformation.The research of this paper is helpful to perfect the internal control system of credit business of small and micro enterprises in C branch,and has some reference significance to the practice of credit business of small and micro enterprises in commercial banks.