| In the financial system in China, banking industry plays a dominant role. In the management and development process of commercial bank in China, credit operation is the most important. And the main source of income for the banking activities is the income of credit operation. Therefore, credit risk is the primary risk that commercial bank faces.Compared with other industries, commercial bank is special in operating currency. In addition, credit risk is the essential feature of commercial bank. So the commercial banks in different countries try to find out the methods which can avoid credit risk effectively. In the 21st century, economic globalization improves the efficiency of financial market. However, international capital flows, which makes imbalanced economic development, and makes finance more unstable. The commercial banks in the world began emphasizing credit risk. Credit operation occupies 60% of the total income of commercial bank in China, which shows that credit risk is the most important risk that banking industry faces. Therefore, the commercial bank in our country needs to solve how to enhance internal control and ensure credit safety.In this paper, using literature analysis and the method of combining qualitative analysis with quantitative analysis. First of all, the ICBC X branch credit risk internal control construction the background analysis of the problem. Points out the present situation of the ICBC credit risk internal control construction. Secondly, the paper explores the present status of credit risk internal control construction, and analyzes the development direction of internal control construction of credit risk. Thirdly, the paper analyzes the cases relating to credit operation in ICBC X branch, and points out the main problems in the process of development. Finally, based on the above analysis, the paper proposes the advice to improve the internal control construction of credit risk in ICBC X branch. |
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