Study On Internal Audit Of YC Bank Credit Business

With the optimization of China's commercial banking system and the deepening of the regulatory reform,the risk management and internal audit level of domestic Banks' credit business are also rapidly improving,and the regulatory authorities are constantly formulating and improving various compliance documents.According to their own operation scale,management system and risk preference,various Banks have continuously explored the internal audit model to keep pace with The Times and conform to the supervision.However,at present,the internal audit of the credit business in commercial Banks in China cannot accurately and effectively analyze and identify the potential risks from the audit of the sample objects,and put forward Suggestions for the improvement of the corresponding management contents.At the same time,the management cannot thoroughly analyze and improve the problems found in the audit,refine them to the management level and make improvements.Therefore,the study of internal audit of credit business can enrich the content of risk management of credit business.Starting from the reality of YC bank's credit business and its internal audit,this paper analyzes the deficiencies and causes of the internal audit of credit business,and proposes countermeasures and Suggestions for improving the internal audit of YC bank's credit business.In this paper,the basic process of YC bank credit business,introduces the development situation,the risk analysis of three aspects,at the same time from the audit process,the audit goal and content,audit quality control evaluation of the three parties face YC bank expatiates on the current situation of internal audit,through summarizing and analyzing the YC bank credit the deficiency existing in internal audit,the main internal control mechanism is not sound,internal audit personnel business quality subject to increase,the system construction lags behind,information science and technology level is not high,the audit field management needs to be strengthened.Finally,Suggestions are put forward from three aspects to improve the internal audit of YC bank's credit business.First,improve the relevant systems of internal audit management,including internal supervision and incentive mechanism,internal audit responsibility determination mechanism,post-audit rectification work and audit follow-up mechanism.Second,strengthen the management and training of internal audit personnel,continue to carry out credit business renewal study and test,train professional internal audit personnel at the master level,establish the "one area more" mentor support mechanism,establish the internal audit personnel exchange channel and promotion mechanism;Third,improve the information level of the audit means of credit business,develop the daily business monitoring and risk warning function system for the auditees,strengthen the comprehensive intelligent construction of the system,improve the efficiency of off-site audit,enhance the convenience of the audit analysis system model design,and improve the quality of audit sample screening.