Research On The Optimization Of Credit Approval Rules For Small Bank Micro Bank Enterprises

Commercial Banks internal audit is the important mechanism of the increased risk guard against bank value.In recent years the bank internal audit work scope expanding gradually, by in the beginning of the accounting information quality evaluation gradually to blend in the whole development direction of the risk management framework of the bank.Main work of internal auditors also found from audit to provide audit recommendations too.Bank credit approval is an important part of the internal risk management, internal auditors should identify credit problems existing in the examination and approval procedures and puts forward appropriate amendments.X bank at present the main profit is small micro enterprise small loans form spreads, is the main risk points X bank.As internal auditors should focus on compliance of X bank small micro enterprise credit approval, and the practicability of examination and approval procedures.Along with our country industrial structure adjustment and economic development into the new normal, traditional business of commercial bank in this round of deepening reform have also been affected.In addition with the appearance of the Internet financial sea micro before the bank as a representative of the private bank with small micro enterprise small loans, erosion of the traditional commercial bank market share.In the face of such challenges, X bank faced increased risk of small micro enterprise credit business. At the point of view of the internal auditing in the bank, focusing on the settled through process reengineering to reduce risk faced by silver X line profits.First introduced the bank the development direction of internal audit, and then analyzes the small micro enterprise of X bank credit control procedures of examination and approval, and then combined with the economic development of our country new challenges of the norm of X bank credit business, of X bank small micro enterprise credit approval procedures to make the reasonable optimization.