Research On Optimization Of Internal Control Of Credit Business Of SY Rural Commercial Bank

With the gradual advancement of economic development and the marketization of interest rates,competition in the banking industry has intensified.As an important part of the rural financial system,rural commercial banks are important financial service institutions serving small and medium-sized enterprises in rural areas and regions.In recent years,in order to adapt to market changes and developments,rural commercial banks have gradually realized restructuring,expanding business scope and increasing assets.At the same time,a lot of problems are exposed.Credit business is the main operating activity of rural commercial banks,and the income of credit business is the main source of income of most rural commercial banks.However,the non-performing loan ratio of many rural commercial banks is much higher than other commercial banks.In this way,the risk control of credit business Capacity is related to the viability and development of rural commercial banks.Therefore,it is an important task for rural commercial banks to summarize and explore a set of effective credit business internal control systems that are in line with the development of rural commercial banks.This article first introduces the current status of domestic and international research on credit business internal control,explains the credit business and internal control-related theories,and introduces the internal control of credit business of SY Rural Commercial Bank on the basis of this.The bank credit internal affairs internal control system was researched for effectiveness.The evaluation results show that the internal control of credit risk of SY Rural Commercial Bank is mainly manifested in the following aspects: SY Rural Commercial Bank's internal control culture is lacking,its organizational structure is defective,the quality of its employees is low,its credit rating system is incomplete,and it lacks an effective risk warning mechanism.The key links of the credit business process are not effective enough,the information communication channels are not smooth,the credit management system needs to be optimized,the effective supervision and evaluation mechanism is lacking,and the internal control information disclosure is lacking.For this reason,the author proposes corresponding optimization measures based on the above problems,hoping to improve the internal control and control level of SY Rural Commercial Bank's credit business,and also hope to provide reference for the internal control of credit business of other rural commercial banks.