Research On The Internal Control Of Commercial Banks Based On Risk Orientation

The security and stability of the financial sector is an important basis for national security and steady economic development.In his recent speech,general secretary xi jinping mentioned financial stability and economic stability.As the main body of China's financial industry,the stability of the development of commercial Banks is very important.China attaches great importance to the supervision and management of commercial Banks,promulgating a number of laws,regulations and policy guidelines to guide and supervise the risk management and internal control of commercial Banks.However,in the actual business activities of commercial Banks,there are huge risks and hidden dangers.Major risk events and internal control failure events occur from time to time,which bring huge economic losses to commercial Banks and have a bad impact on China's financial industry.In this paper,NMG commercial bank as an example,the use of literature research,case study method.Taking the construction of risk-based internal control as the central idea,this paper makes an in-depth study of the deficiencies and causes of its internal control,and proposes solutions.This paper first reviews the domestic and foreign research on risk and internal control,and expounds the relevant theories on risk and internal control of commercial Banks.Then,it analyzes the problems and causes of the internal control of NMG bank.Finally,starting from the internal control of NMG bank,this paper tries to build a risk-oriented internal control framework.It mainly analyzes the design principles of the internal control framework,and the risk-oriented internal control framework design,and focuses on the analysis of the specificimplementation plans of the five elements of the internal control framework,including the control environment,risk assessment,control activities,communication and communication,and supervision and review,and integrates the risk management theory.It is hoped that the study on NMG commercial bank can provide references for the internal control optimization construction and financial risk reduction of other domestic commercial Banks.