Discussion On The Internal Audit Of Shenzhen GD Commercial Bank

In recent years,with the rapid development of financial technology,Internet enterprises and financial technology companies continue to impact on the competitive pattern of banking industry.The deep integration of advanced technologies such as big data,cloud computing,artificial intelligence and blockchain with finance is gradually subverting the business form and development mode of banks.Technology enterprises such as ant financial,Tencent,apple,Amazon,Google break the traditional banking thinking and return The origin of bank function is to provide customers with the ultimate financial service experience with flexible organizational structure,agile technical iteration,intelligent data analysis and extensive scene tentacles.In the face of challenges,traditional banks have put forward the strategy of digital transformation.In this context,the business of commercial banks is changing to online and mobile,which further complicates the existing numerous banking businesses,and banks have higher and higher requirements for internal audit.The research on internal audit of commercial banks is helpful for commercial banks to evaluate and improve their internal audit,further improve their risk control ability,financial service ability and market competitiveness,and ensure commercial banks' competitiveness To ensure the normal development of the national economy.Facing more and more complex financial environment,internal audit plays an increasingly prominent role in bank risk prevention and governance.Taking Shenzhen GD commercial bank as the research object,this paper studies the internal audit work of Shenzhen GD bank from three aspects: firstly,it expounds the characteristics of internal audit of commercial bank,briefly analyzes several factors affecting the efficiency of internal audit,and combs and analyzes the current situation of internal audit of Shenzhen GD bank.Secondly,based on the analysis of the current situation of Shenzhen GD bank's internal audit,according to its specific characteristics and environment,this paper analyzes the problems existing in its internal audit work,including the relationship between audit subject and audit object,audit content,audit method,audit system,etc This paper makes a further study on the deficiencies of internal audit of banks,and analyzes the causes of these problems.Thirdly,it puts forward some suggestions to improve GD bank's internal audit work,which provides reference for Shenzhen GD bank to improve its risk control ability,improve its value and actively respond to financial technology reform.After analysis,Shenzhen GD commercial bank has a large scale of assets,and has cultivated strong market competitive advantages in asset management,investment banking,e-banking and credit card business.It has basically formed a business pattern with balanced development of each business main line,gradual improvement of risk management and increasing innovation ability.Shenzhen GD bank actively promotes the process of Digital Banking.In addition to digitizing conventional banking business,Shenzhen GD bank has also launched more than 100 kinds of public and private financial products online with the characteristics of financial products.In terms of internal audit,the internal audit department of Shenzhen GD bank has a clear organizational structure,clear audit objectives and perfect functions.However,there are some problems such as weak competence of internal auditors,inability to discover key risks,insufficient audit resources for characteristic financial services,ineffective operation of internal audit mechanism and backward internal audit methods,which make the internal audit of Shenzhen GD bank not very good To deal with the challenges brought by the digital banking concept proposed by Shenzhen GD bank.In view of these problems,this paper conducts in-depth research,demonstration and analysis to find out the reasons,mainly including the lack of independence of internal auditors,the lack of internal audit mechanism,the lack of internal audit information construction,and the low quality of internal auditors.Finally,some suggestions are put forward: first,enhance the professional level of internal auditors,strengthen the independence of internal auditors;second,improve the construction of internal audit mechanism;third,introduce information talents,establish database and information analysis system,and strengthen the informatization construction of internal audit department.This paper analyzes the problems existing in the internal audit of Shenzhen GD commercial bank,and puts forward specific suggestions,hoping to help Shenzhen GD commercial bank to improve its internal audit level,better improve its risk management ability and corporate governance level,so as to meet the challenges brought by the Digital Banking era and make it develop continuously and rapidly.In addition,this study also provides a specific case reference for the internal audit of city commercial banks.