A Research On The Internal Control Of Credit Business In W Rural Commercial Bank

In recent years,under the background of the downward pressure on the economy and the adjustment of economic structure,the overall quality of credit assets in China's banking industry has shown a downward trend.The improvement of the banking industry system and the improvement of its risk prevention capabilities directly affect the stable and healthy development of the economy and the construction of a comprehensive well-off society.The vast rural financial institutions play an irreplaceable role in the current work of agriculture,rural areas and the economy.As the main profit and risk source of the bank,the optimization of internal control is of great significance for preventing credit risk and improving the quality of credit assets.Therefore,how to improve the internal control of bank credit business and prevent credit risk has become the focus of the banking industry.This paper uses case analysis method to analyze the internal control status of W Rural Commercial Bank business credit business based on a large number of relevant literatures at home and abroad.This paper starts with the basic overview of W Rural Commercial Bank and its credit business,and sorts out the organizational structure,business process and key control points of W Rural Commercial Bank credit business,and summarizes the internal audit and flight inspection results of W Rural Commercial Bank.After in-depth analysis,the author believes that the improvement of W's credit business internal control should start from the top of the company's strategic company,starting from the front end of the credit business process,combined with the specific problems exposed by W Rural Commercial Bank commercial credit internal control,proposed improve the internal control environment and improve the highly targeted recommendations of the entire credit business process before,during and after the event.These recommendations cover all aspects of corporate culture,organizational structure,staffing and specific business processes,and can significantly reduce the losses that credit risk may cause.Under the background of interest rate marketization,increasingly fierce market competition in the banking industry and China's policy of strengthening financial supervision and economic deleveraging,it is imperative for banks to improve their own competitiveness by establishing a sound internal control system for credit business.Lift.It is hoped that this paper will provide some reference for commercial banks to improve the internal control of credit business and improve the quality of credit assets in a comprehensive way.