Research On The Problems And Countermeasures Of Internal Audit Of TS Rural Commercial Banks

The development of the national economy has been inseparable from commercial banks.Only commercial banks continue to operate healthily,the national economy can be stable and good development.In today's China,the goal of many commercial banks has changed from survival to high quality development,and the requirements for stability and health are becoming stronger and stronger.Internal audit is the main part of a commercial bank.For example,the operation of an enterprise is like building a dam,and internal audit is like looking for an ant den.The sustainable development of commercial banks can not be separated from the real-time inspection and filling of gaps in internal audit,only to eliminate all threats.The embankment built is perfect.The importance of Internal Audit in Commercial Banks This is where the importance lies.In the financial industry with increasing competition intensity,rural commercial banks,as local financial institutions,how to constantly improve their own construction and narrow the gap with mature commercial banks after the reform.This is one of the main problems faced by rural commercial banks and needs to be solved.Taking TS Rural Commercial Bank as an example,this paper discusses the problems existing in the internal audit operation of TS Rural Commercial Bank by understanding its internal rules and regulations and business processes,staffing and quality control in detail.For example,the internal audit business scope is narrow,the internal audit accountability,the assessment,the audit rectification management system is not perfect,the internal audit consultation function is weak,the audit operation means is backward and so on.And the restrictive factors of this situation include objective regional limitations,imperfect internal system construction,lack of computer information technology,low professional quality of personnel,insufficient attention and so on.Besides,combine myself.In view of the above problems and risks in the internal audit of TS rural commercial banks,this paper puts forward some suggestions,such as refining the audit content,expanding the internal audit function,perfecting the internal accountability system,and summing up the problems of audit discovery.Strengthen the management of audit rectification and reform,use SWOT analysis method to improve the audit plan,strengthen the construction of audit team,strengthen risk prevention and control,strengthen off-site audit and a series of specific solutions and related improvement suggestions,It is hoped that the internal audit of TS Rural Commercial Bank can continue to develop well and devote itself to effectively improving the operation level of TS Rural Commercial Bank.