Evaluation Of The Bank's Internal Control System

China's banking industry has been implementing the policy of comprehensive opening since the end of 2006.After 12 years of development,China has gradually formed a diversified and multi structural banking system,and the scale has reached the forefront of the world.According to the statistics of British banker magazine in 2017,a total of 126 banks entered the top 1000 ranks of the world bank companies,17 of the Chinese banks were among the top 100.It can be said that the scale of China's banks has stepped into the ranks of the world's first class countries.However,from the view of the internal control of the bank,there is still a small gap between China's commercial banks and the world's advanced banks.Credit business plays an irreplaceable role in the business activities of commercial banks,and credit risk of commercial banks also need the survival process continue to face continue to solve the problem,the fundamental way of coping with the internal control of credit risk and strengthen the credit business is the.Especially in today's world economy and domestic economic development situation,the credit business of commercial bank internal control becomes more and more important,domestic and international academic circles on the credit business of commercial banks internal control with a high degree of concern,but are often in the overall business of commercial banks,the financial industry norms perspective,it is difficult to see the activities of the internal control basic bank.In fact,after many years of theoretical development,most of the main banks of large banks have invested a lot of money and energy to build internal control.Relatively speaking,there is a lack of internal control activities directed by small and medium-sized banks and sub branches.To face this situation,this article conducts the research to the related theory of internal control of credit business,A provincial branch of a national commercial bank as a case study,the development situation of this branch,this county branch of the management of non-performing loans,credit business internal control system,internal control of credit business evaluation system are analyzed and discussed found in the this branch of the main problems existing in the evaluation of internal control and internal control of credit business credit business.On the basis of in-depth analysis,the internal control evaluation index system is optimized for the this branch,and the practical application of the optimization system is carried out.It is concluded that the main internal control problems of this branch now come from the defects of internal control projects such as organizational structure,corporate culture,information transmission,operation process control,accountability and so on.Aiming at the existing problems,this paper puts forward five corresponding rectification proposals.This study mainly used the literature analysis,case analysis,I hope this study can help to improve the this bank credit business control activities,and to other branches of internal control to improve the power to bring help,finally just the development and perfection of financial market Chinese.