Research On Internal Control Problems And Countermeasures Of CZ Bank Credit Business

As a financial intermediary institution,commercial banks have higher risks than the real economy because of their own operating characteristics Because of their important position and key role in China's economic development,commercial banks have a great influence on the development of financial markets and even the national economy.The income of credit business is an important aspect of commercial banks' income,and credit risk has become a significant risk.City commercial banks have developed quickly in recent years.Compared with large and joint-stock commercial banks,credit business is its more important business activity.Thus,perfect internal control of the credit business is vital for city commercial banks to control credit risks and ensure smooth operation.However,under the current trend of scale and profit growth of city commercial banks,the internal control foundation is still very weak.Although there are many studies on the internal control of commercial banks' credit business,there is still a lack of research on the internal control of city commercial banks' credit business.As a city commercial bank,CZ Bank has taken shape since its reorganization and development.It has been working hard to prevent and control credit risks and improve the internal control management of credit business.However,through literature induction,interviews,case analysis and other methods,it is found that the internal control of CZ bank credit business also has the following problems:the trial and loan group is in vain,the internal control training is in the form,the credit business risk prevention is not in place,the credit business execution is biased,the information within the bank and the bank and enterprise are asymmetric,and the internal supervision and inspection are not independent and biased after the supervision.Therefore,in view of the existing problems for the internal control of CZ bank credit business,the following suggestions are proposed:improve internal control environment design,improve loan risk assessment standards,strictly implement internal control system of credit business,build and improve multi-party eommunieation channels,and strengthen internal auditing's supervisory inspection function.The research on the internal control problems and counterneasures of CZ bank credit business is of great significance for CZ Bank to improve the internal control status of credit business and construct a sound internal control system for credit business to prevent and resolve credit risk.At the same time,it also hopes to provide some reference and help for the same type of banks in the internal control of credit business.