Application Research Of Modern Risk-oriented Internal Auditing In X Bank

In recent years,with the continuous deepening of China's financial system reform,the scale of urban commercial banks has developed rapidly,the types of business have become increasingly complex and diverse,and development and risk have been intertwined.At the same time of rapid development,they are facing increasing risks.As an important means of internal risk control of urban commercial banks,internal audit should give full play to the risk monitoring and screening function,and arrange audit resources reasonably in high-risk areas.Therefore,it is an inevitable trend to implement modern risk-oriented internal audit.However,due to the lack of scientific and operational risk assessment methods and methods,the existing audit resources can not provide rich quantitative assessment information,which leads to the failure of the modern concept of modern risk-oriented auditing to be truly integrated into audit practice.Therefore,quantitative testing of risks is a key link in the application of modern risk-oriented internal auditing in urban commercial banks.This paper firstly expounds the relevant concepts of modern risk-oriented internal audit from the theoretical level,and analyzes the application status of urban commercial banks based on their external environment and internal characteristics.Secondly,through the specific case,analyze the application effect of internal audit in urban commercial banks.Finally,select the representative business in the business scope of the city commercial bank,apply the redesigned audit process,and introduce quantitative risk indicators in the application process.It is expected to control and resolve risks through management means,and to play the role of modern risk-oriented internal audit,and provide reference for other urban commercial banks with similar conditions and business.