FC Rural Commercial Bank Credit Business Internal Control Research

With the rise of Internet banking and the development of third-party payment,the competition pressure of the banking industry is becoming greater and greater.As the most critical source of income in the normal operation process of commercial Banks,credit business provides continuous power for the development of commercial Banks and plays a crucial role in the increasingly fierce competition among commercial Banks.However,in recent years,due to the gradual downward economic environment and the complex international situation,more and more small and medium-sized enterprises have encountered difficulties in their normal operation and are facing the risk of bankruptcy,so the credit business of commercial Banks has experienced a huge crisis.Under such a background,in order to better deal with the uncertain risks caused by credit business,reduce the non-performing loan ratio and eliminate the harm of hidden non-performing loans,commercial Banks urgently need to build an effective internal control system for credit business and realize sustainable development.In recent years,because the country attaches great importance to rural development,the government has issued many policies and regulations conducive to rural economic development,and the rural economy has developed rapidly.In the process of rural economic development,rural commercial Banks have played a crucial role here.While improving the rural financial system,they have also greatly narrowed the urban-rural gap and accelerated the process of an overall well-off society.Compared with large commercial Banks such as China construction bank and agricultural bank of China,rural commercial Banks still lack internal control due to historical reasons.At the 19 th CPC national congress,the general secretary clearly put forward the strategic principle of comprehensively winning the well-off society.Great changes have taken place in the rural financial system,and rural commercial Banks have also ushered in new opportunities and challenges.However,due to the unsound rural financial system and backward internal control and management level,the development of rural commercial Banks still has great problems,and the non-performing assets rate remains high.This paper takes the financial business of FC Rural Commercial Bank as the research object,follows the research idea of finding the problem,analyzing the cause of the problem,designing the solution,and learning from the domestic and foreign scholars' research results of internal control and the credit business of rural commercial banks.Knowledge,through field research and one-on-one interview research methods,comprehensively analyze the status quo of FC commercial bank's credit business internal control,find problems and analyze the reasons,on this basis,optimize the internal control system of FC rural commercial bank credit business In the end,from the five aspects of the five elements of internal control,the paper puts forward specific safeguard measures for the optimization of the internal control system of credit business.