Problems And Countermeasures Of Internal Risk Control In Luoyang Luoyang Branch

At present, along with the thorough and expansion of business scope and scale of commercial Banks, and its financial products has become complicated and varied, this to a certain extent, improve the commercial Banks have to bear the risk coefficient values. In particular, the recent domestic after a lot of financial cases in our country, the social from all walks of life will focus has shifted to "focus" on the internal risk control. Research topic of this paper for internal risk control of commercial bank in our country, through to the banking, management, accounting, and other related disciplines the basic theoretical knowledge of research and discussion, in combination with the foreign Banks’ internal control related to successful cases in developed countries, on the basis of internal control of commercial Banks at present stage in China many problems of the actual situation and in-depth analysis, timely put forward the related Suggestions to perfect the commercial Banks internal control system and opinions, to effectively promote the optimization and upgradings.First of all, this paper introduces background, significance of this thesis research, and summarizes the main innovation points of this paper, the structure and shortcomings. Secondly, the related theory of commercial bank internal risk control. From the overall control to the internal control is subdivided into the bank’s internal control,, promote the layers introduced related theory, and in-depth analysis of the basic framework of our country commercial bank internal risk control. Secondly, introduces the current situation and existing problems of Luoyang branch of Shanghai Pudong development. Shanghai Pudong Development Bank Luoyang branch from the internal control and external supervision angle, based on the status quo of internal risk control system analysis of Luoyang branch of Shanghai Pudong development, points out the existing shortcomings. Then, Shanghai Pudong Development Bank Luoyang branch of the international comparison of internal risk control. Describes the United States, Britain, Germany in three developed countries, commercial banks in the internal risk control practice and characteristics, and sum up the inspiration for the Shanghai Pudong Development Luoyang branch. Finally, according to the Shanghai Pudong Development Bank Luoyang branch deficiencies in internal risk control and external regulation, to improve the internal risk control system of Luoyang branch of Shanghai Pudong development put forward relevant proposals.