Research On Internal Control Of NH City Commercial Banks

As an important part of China's commercial Banks,city commercial Banks play a very important role in the market economy.However,in the operation and management process of city commercial Banks,there are generally many problems,which to a certain extent are greatly related to the failure of the bank's internal control system.This paper takes NH City commercial Bank as the main object of study.Through learning and studying the progress of domestic and foreign scholars in the internal control system of commercial Banks,it finds that there are generally deficiencies in the construction of the internal control system of commercial Banks.Comprehensive narration and comparative analysis are used to analyze and study the internal control related issues of NH city commercial bank,summarize the characteristics of internal control of NH bank,and then put forward optimization measures.Through the research and analysis of the construction of NH bank internal control system,identify the risks that Banks may encounter in the operation,in order to build a reasonable internal control system to deal with the risks,improve the competitiveness of Banks.The structure of this paper is mainly divided into five parts to study the internal control system construction of NH city commercial bank.The first part is mainly about the construction of the city commercial bank internal control system and the introduction of domestic and foreign literature review.Briefly outline the development background of urban commercial Banks in China.The second part briefly introduces the theoretical basis of internal control,and lays the foundation for the later analysis.The third part is the overview of the internal control system of NH bank and the evaluation of NH bank from the five elements of internal control,and the evaluation of the development status of the internal control system of NH bank.The fourth part mainly analyzes the problems and causes of the bank internal control.The main content of the fifth part is to improve the internal control of NH bank and optimize its management as the core objective on the basis of the macro-economic environment and the micro-environment.Specific safeguard measures are proposed from four aspects,namely organizational structure,enterprise management,information execution and audit supervision.The focus of this paper is mainly divided into two aspects.On the one hand,it analyzes the problems existing in the internal control of NH bank from the aspects of internal organizational structure,external macro environment and the advantages and disadvantages of competition with other Banks.On the other hand,referring to the practice results of other Banks,the problems in the construction of the internal control system of urban commercial bank are analyzed step by step,and targeted optimization measures are proposed for the problems in the development process.The author hopes to study the common problems in the construction of urban commercial Banks' internal control through this paper,so as to help the construction of urban commercial Banks' internal control system and risk prevention.