The Study Of Credit Risk Internal Control For MS Bank

In the financial system in China, the banking industry occupies the dominant position,while the credit business is the main business of commercial Banks in China,also is the main source of our country commercial bank profits. In the process of management of commercial Banks,the main risk,which comes from the credit risk.Over the past few years the rapid growth of China economy, there have been some irrational behavior, dislocation of the economic cycle and the enterprise credit in the current China's commercial Banks non-performing loan ratio was increased, and the economic downward pressure etc. The impact of the credit assets of commercial Banks,non-performing loan ratio is likely to continue to rise, our country commercial bank asset quality there is a big pressure. Therefore, enhance internal control and banking credit risk management is a hot topic of the theory and practice. Effective internal control is not only to strengthen the construction of internal control of credit risk, avoid and control the credit risk of the important measures, and is to ensure that the bank credit risk business low-risk, high-yield of the important measures.This paper on the study of the commercial bank credit risk, on the basis of relevant theories, cases of MS bank credit risk, which leads to problems; Analysis of the case,analysis the problems; In view of the problems put forward countermeasures and Suggestions,so as to solve the problem.