Credit Risk Management Of SZ Branch Of Agricultural Development Bank Internal Control Research

The quality and level of credit management is an important factor in determining the competitiveness of banks.With the rapid development of the banking industry,the competition among banks is growing.Many banks pursue the growth of credit business and increase the amount of credit,but ignore the importance of credit risk management.Once there is a problem,it will have irreversible consequences.With the rapid development of banks in China in the past decade,credit risk management has gradually become a research hotspot.From the analysis of existing research results,it can be found that many banks'credit management is only concentrated in the head office,and there is no unified management regulations for the management of branches,and most of the research focuses on commercial banks.Agricultural Development Bank of China is the representative of agricultural policy banks in China.Its credit business is closely related to the agricultural development in the international,domestic and domestic regions.From the agricultural development situation in recent years,we can see that although the grain production is increased,it has also suffered many disasters,the national trade war,the overall increase in the price of international agricultural products and many other factors have affected agriculture Issued credit business.Therefore,in this context,it is of great value for banks to explore the internal control status of credit risk management of SZ branch of Agricultural Development Bank,to analyze the problems,to establish an evaluation system and to put forward solutions.It is of great significance to understand the measures and shortcomings of credit business of agricultural development bank in the current situation.In this paper,through the seven chapter structure of literature,case analysis,mathematical analysis,quantitative analysis and qualitative analysis,the SZ branch behavior of Agricultural Development Bank of China is studied in detail.The first chapter mainly combs the research background,significance,methods and the research status of internal control of bank credit risk management at home and abroad,the second chapter briefly introduces the key concepts and academic theories in the research process,the third chapter investigates and sorts out the basic situation,credit business and credit product innovation of SZ branch of Agricultural Development Bank of China,and analyzes the current situation of credit management process In the fourth chapter,according to the research content of the third chapter,the problems existing in the process of internal control of the sub branch are explored,and it is found that the internal management environment,risk assessment,activities,information communication and supervision system of SZ sub branch of Agricultural Development Bank of China are not scientific enough The fifth chapter puts forward to build the internal control evaluation system of credit risk management.The sixth chapter puts forward the optimization scheme based on the above problems.In the seventh chapter,the conclusion of the previous research is made,and the shortcomings of the research are explored,and the future research prospect is put forward.