Research On Internal Control Of Credit Businessof Agricultral Bank Of CHINA Branch X

As the main source of income for commercial banks,credit business is also the biggest risk generating business segment.Influenced by many factors such as network finance,China Banking Regulatory Commission actively supports private capital to enter the banking industry,and the central bank liberalizes investment restrictions on foreign banks,making them face fierce market competition.As banks continue to expand,non-performing credit business ratios continue to climb.From the perspective of commercial banks,the current economic situation is changing rapidly,and external risks such as market,interest rate and policy will have a huge impact on borrowers,leading to the continuous deterioration of borrowers’ operating conditions and eventual insolvency,and the bad debt rate of banks keeps rising.Although credit risk has both inside and outside the influence of many sided,but because of its difficult to predict and control,therefore,need from the perspective of their own to improve the existing credit business process,improve the comprehensive quality of employees,and from the inside to strengthen the process of credit risk control and management,to improve the credit risk identification and control.This thesis takes X Branch of Agricultural Bank of China as the research object,takes five elements as the starting point,classifies key risk indicators,collects sample data in the form of questionnaire,adopts analytic hierarchy process(AHP)to carry out weight analysis on risk factors in each process,and finds out the key problems by fuzzy comprehensive evaluation method.For the part with low score,countermeasures are put forward for improvement.For the whole process of credit business issuance,suggestions are put forward,such as the improvement of pre-loan qualification examination ability,the control of risks in the credit business,regular follow-up and collection work after the credit business.For the internal control of the organization put forward the implementation of the separation of credit business audit,improve staff skills,improve the internal audit suggestions.This thesis can not only provide positive significance for improving the effectiveness of internal control of credit business of X branch,but also provide reference for research on the effectiveness of internal control of credit business of other commercial banks.