Study On The Internal Audit Of Credit Risk Of A Branch Of Bank A

In recent years,the domestic market economy is developing at a faster and faster pace,and many industries are relying more and more on the bank's credit business in financing demand.Therefore,for Banks,they not only face various new pressures,but also prevent the phenomenon of non-performing loans as the credit volume continues to increase.Internal audit is the third line of defense in preventive measures.The basic task is to supervise and evaluate credit-related situations and identify possible risks of credit.Therefore,for bank credit,the relevant requirements for internal audit are increasingly higher.At present,the primary problem that commercial Banks need to solve is: How to use internal audit to reduce the risk when carrying out new business,and reduce the risk to within the scope that Banks can bear,or transfer the risk effectively,and finally achieve the purpose of reasonable risk avoidance.The biggest problem facing A commercial bank at present is to improve the internal audit of credit risks and improve work efficiency.Since bank A has been officially listed on the A+H market,relevant problems have become more prominent.So based on the research in the process of A certain branch,mainly related to the credit risk of internal audit work analysis,can ascend to a branch of bank A comprehensive level of the credit risk of internal audit and is beneficial to avoid possible credit risk timely,at the same time improve the internal audit system specification,will be bad to eliminate or transfer risk and keep the credit in the benign circulation state,so the theoretical and practical significance is important.The research content of this paper mainly includes six modules.The first chapter is the introduction,which mainly describes the significance and background of the research and describes the domestic and foreign research situations.The second chapter is the theory and concept of the article,mainly introduces the theory and concept of internal audit and credit risk.The third chapter describes the status of the internal audit of the credit risk of A branch of bank A,and describes the organizational structure of the internal audit of bank A,the credit business process and the status of the internal audit of the branch.Chapter four takes the internal audit of credit risks in the daily operation of A branch of bank A as A case study for detailed analysis,and discusses and analyzes the problems in the internal audit of credit risks of the branch in detail.Chapter five puts forward Suggestions on the improvement of the internal audit system of the branch.The sixth chapter elaborates the enlightenment to the domestic bank credit risk internal audit and the insufficiency of this paper.In the process of research,this paper mainly by the commercial Banks internal audit and the credit risk theory as the foundation,and from A bank of internal audit structure,credit conditions,procedures,and branch internal auditing present situation,through A bank,A branch as the research example,put forward problems in the process of credit risk of internal audit,at the same time,A detailed analysis of A problem,finally put forward the related Suggestions to perfect the internal audit and countermeasures.Through the research,this paper has relevant reference significance for the internal audit of credit risk of A bank and other domestic commercial Banks.