| In the beginning, rural commercial banks tend to "Based on SMES and serve the localeconomy" as its business strategy, has played an important role in taking on the local economy, supporting SMES and stabilizing the regional economy, promoting the harmonious development of society. However, due to the special nature of the banking system that the four major state-owned commercial banks account for the majority share of the domestic financial market, so more experts and scholars focus the study on the state-owned commercial banks, just neglect of the rural commercial banks which is aspecial group and the its internal control system is lack of attention.In fact, dueto both internaland external limitation, the internal control system of rural Commercial bank is still imperfect, which results in the instability of financial system and difficulties of its self development as well.therefore, it is essensial to strengthen the internal control system so as to prevent financial risks and ensure the long-term healthy development of rural Commercial banks.This thesis, together with other domestic and international internal control theories, takes Jiangyan rural Commercial bank as an example by analyzing its internal control management in order to raise some useful suggestions to the development of internal, control system in rural commercial banks. This thesis holds that it makes a great sense to build up a scientific internal control system, which is based on the demand for self-development and comply with the economic market for rural commercial banks. In order to build up the internal control system mentioned above, we need to focus on the following aspects:to address both the situation and essential causes; to cultivate a systematic and effective internal control system; to learn advanced risk management techniques; to improve and fulfill the control activities; to share information and smoothen the communication channels; enhance both the external and internal supervision. |
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