China's Commercial Banks Credit Business Internal Control Environment

In recent years,the banking industry all over the world have to face to the adverse influence of the financial crisis. So it is a new time that they must try their best to focus on internal restructuring to win this new revolution. Now, commercial banks in China are protected by the exchange rate policy from the government, but they are also being threatened by their competitors. In order to maintain the place they have got, they should push themselves to work hard on their internal control. This essay studies several important aspects about the internal control environment from the view of credit business. The process of the studies is following:First, combine with a lot of theory,the process of development and many researches of scholars ,this essay concludes the contents of the internal control environment ,which is the most important support for the next term of studies.Second, take feature of the internal control of banking credit business in to account, this essay use game theory and Nash equilibrium to analysis a case, to show the key issues of internal environment of the credit business in the commercial banks and the assumptions. There are five key issues, include control policy, control object, corporate culture, structure and human resources to evaluate. But corporate governance is not in.Third, in the survey of internal environment issues of the credit business in the commercial banks, I chose the index coming from"Commercial Bank Internal Control Evaluation Methods"and use fuzzy math to analysis the most important points. Then I found that control policy, control object and structure are not too bad. The corporate culture is not good as it looks, because the influence of it is not effect human resources.In the end, I suppose to do some help for the development of our commercial bank and the theory on the risk avoiding, so I try to write some advises about the problem I have found.