Study On Internal Control Of Credit Risk Of Postal Savings Bank Of China G Branch

At present,credit business is still the core business of commercial banks in China,and credit risk is also the biggest risk that commercial banks face in operation.Therefore,the ability of credit risk control not only affects the sustainable development and profitability of credit business,but also determines the core lifeline of commercial banks' future development.Internal control is the key measure of bank risk management.As a key measure of bank risk management,internal control can effectively supervise,control,prevent and correct risks to ensure the safe and steady development of credit.Therefore,commercial banks need to develop effective credit risk internal control system.Effective and feasible internal control of credit risk can improve the quality of credit business and can improve the ability to avoid the risk of credit business,so as to achieve the profit target and strategic purpose of commercial banks.After the Postal Savings Bank was transformed from the savings and exchange bureau into a joint-stock commercial bank,its internal control of credit risk did not fully meet the needs of the bank after the transformation.The internal risk control system has some defects in the actual operation.As a subordinate first-level provincial branch,G branch has been established for 10 years.At the beginning,it excessively pursued market share and neglected the construction of internal control.In addition,in recent years,the credit environment of G province has deteriorated,the bank's credit asset quality has continued to decline,the non-performing loan has been increasing year by year,and the credit risk has increased significantly.This paper takes G branch of Postal Savings Bank as the research object and guided by theories related to the internal control of credit risk in commercial banks.Qualitative and quantitative analysis methods such as questionnaire,analytic hierarchy process and fuzzy comprehensive evaluation were used to construct the internal control evaluation system of credit risk of the bank.The internal control status of credit risk of the bank was deeply analyzed to find out the existing problems and deficiencies.The results show that the overall level of credit risk internal control of G branch is good and the operation is stable.However,there are still some deficiencies,among which the risk identification and evaluation are the weakest,and there are problems of different degrees in the four aspects of internal control operating environment control activities,information communication and feedback,supervision and rectification.Based on this,the paper put forward strategies and suggestions to solve the problem:First,improve the risk identification and assessment system,improve the credit rating model.Second,human resource construction and organizational structure should be optimized,and the operating environment of credit internal control ought to be improved.Third,the post-loan management system shall be refined to improve the disposal efficiency of non-performing loans.Fourth,the construction of credit information systems will be strengthened and the support from science and technology will be enabled.Fifth,the independence of internal audit should be ensured,and the credit supervision mechanism should be improved.