Application Of Fuzzy Evalution Method In JS Bank Credit Business Internal Control Evaluation

As a new force of banking industry,small and medium-sized commercial banks have flexible market response ability and strong financial service level,and their financial system can be in constant self-renewal,which makes an important step in China's financial and economic development.In many businesses,for small-scale commercial banks,the economic benefits of credit business is the fundamental source of their survival.For commercial banks,it is also the most error prone source of risk.It can be said to be a double-edged sword.Therefore,the urgent problem of small and medium-sized commercial banks is the uneven quality of credit and the lack of control ability of credit business.As far as China is concerned,there are many cases arising from the lack of credit business control ability,which directly shows that there is still a lot of work to be done to improve the internal control system of commercial banks.For banks,whether the internal control system structure needs to be supplemented or not requires a measurement index.With the help of internal control evaluation,the system can be effectively evaluated,existing problems can be identified and appropriate modifications can be made to promote the internal control of commercial banks' credit business.Taking JS bank as an example,the author introduces and analyzes the internal control of JS bank's credit business based on the relevant internal control theory and the research of internal control effect at home and abroad.The author uses fuzzy evaluation method to evaluate the effectiveness of JS bank credit business internal control,summarizes the defects and deficiencies of JS bank credit business internal control,and puts forward the following suggestions:first,strengthen the construction of credit business operation environment;second,improve the ability of credit risk early warning and response;third,strictly control credit business activities;fourth,optimize information exchange and communication Fifth,strengthen the supervision of credit business.Through the research on the above aspects,the author hopes that the research results can be of guiding significance to the improvement of the ability of commercial banks' credit business,and also hope to explore new ideas for the future research on the internal control of commercial banks' credit business.