| At present,China’s economic development situation has entered a high-quality development stage of low-speed growth,and high-quality development has become the basic requirement for the development of various industries in the country.With the continuous upgrading of big data and Internet information technology,the risk prevention and control of commercial banks is facing more and more severe challenges,as the main content of risk prevention and control of commercial banks,the pressure of credit risk prevention and control of commercial banks is increasing.In particular,the incident in May 2019 when Baoshang Bank was taken over by the Banking and Insurance Regulatory Commission due to serious credit risks has aroused strong concern in the market about the credit risk control of commercial banks.The typical nature of the Baoshang Bank incident has exposed a common problem in the prevention and control of credit risks of commercial banks-insufficient internal control.As a rising star of the national joint-stock commercial bank,YC Bank relies on the rapid development of traditional savings business,but the development of its credit business is not ideal.According to the internal data of YC Bank,in recent years,the non-performing loan ratio of corporate credit of Guangdong Branch has been higher than the annual average of the head office,and the potential credit risk of the branch has directly become an important problem plaguing the high-quality development of Guangdong Branch.Based on this,this paper attempts to start from the current situation of the internal control of credit risk of YC Bank Guangdong Branch,through the overall evaluation of the internal control of the credit risk of the branch,and take the analysis of the return rate of the branch’s public credit business from November 2020 to June 2021 as the starting point,to find out the problems in the internal control process of the branch and its causes,and finally propose optimization measures.Through in-depth research,it was found that the overall internal control of the branch was more effective,but only the "internal control environment" and "risk identification assessment and response" in the internal control system were in a very effective range,and the remaining main contents had great room for improvement.On the basis of comprehensive evaluation,the article also takes the branch’s return rate to the public business as the entry point,and through in-depth visits and investigations,it is found that the main problems in the internal control of the branch’s credit risk are: the pre-loan credit investigation is not strict,the credit information in the loan is not standardized,the real estate mortgage registration problem is prominent,the credit contract is not transmitted in a timely manner,the post-loan fund use monitoring is not in place,the inspection is in the form,the management requirements are not implemented,the fund tracking is not in place,etc.The main reasons for the problem are: the pre-loan personnel are not matched perfectly,and the training is insufficient The overall coherence between loans is not high,and the improvement and implementation in post-loan management are missing.In view of the above problems and reasons,the article finally puts forward corresponding optimization measures in the three links of internal control before lending: do a good job of credit data investigation before lending,and improve personnel matching;Strengthen the review of credit information in the loan,improve the identification methods and techniques for approval problems,establish internal control control points for credit risks,promote the coordination and unification of business submission,strengthen the tracking of the use of funds after the loan,track the operation of customers,improve performance appraisal,and strengthen supervision and management. |
