Empirical Research On Credit Risk Internal Control Of Commercial Banks

At present, the credit operation still is our commercial banks' core business. The loan still is the main part of commercial banks property, the credit risk also is the biggest risk among the commercial bank management; in the developing process, the commercial bank has the one-sided attention to the service scale, the development speed while neglects risk control, loosens the internal management. One of the most prominent problems is the credit management in which the violation of regulations often occurs. The situation of the poor credit property quality has not been turned better throughout. With the old bad loan not yet tackled, the new one forms, such lesson is extremely profound.This article first introduces the definition, the characteristic, the main performance and the credit risk internal control elementary theory of the commercial bank credit risk, and then based on these theories, it points out the present situation about the commercial bank credit risk internal control system construction, and specifically has analyzed the credit risk internal control system of Agricultural Bank of China. Finally, on the base of above analysis, by means of learning some advanced overseas theories and experience, also according to the first materials and the exhaustive cases which are collected by the author herself, who engaged in the commercial bank credit work, thoroughly it analyzes the existing problems of the present commercial banks of China credit risk internal control system, and proposes suggestion on how to improve and consummate the commercial bank credit risk internal control.