A Plan To Make Risk Monitoring System For Internal Audit Of A Bank H Province Branch Better

With the big data era coming, and the loosening of policy of market economy, commercial banks,as a special financial institutions operating risk in order to get profit, dealing with more and more complex and dangerous risks, the data of risk also presents a changeable structure. As an important part of commercial bank supervision and risk management, internal audit has been the "patron saint" of operation stably by the internal audit risk monitoring and control system, it issues monitoring risk report regularly, revealed the high-risk items of business processes, to guide the direction of the policy decisions.Therefore, establish and improve the internal audit risk monitoring and control system is the urgent needs of the construction of large outstanding commercial banks.The research object is A bank H province branch, paper’s idea is based on the existing problems in internal audit risk monitoring and control system for A bank H province branch,then putting forward innovative solutions.First of all, this paper analysis the internal audit risk monitoring and control system of A bank H province branch in-depth, making the three modules, namely, risk identification, risk measurement module and display module as clues to research the risk, finding the problems existing in the corresponding module. The first one is risk identification module:risk data related problems (data in traditional structure, data caliber inconsistent, data update delay) and the subjective index classification; The second is risk measurement module:only one measurement method and poor measurement correlation; The third is lack of a comprehensive risk warning module.Secondly, this paper analyzes the internal and external factors which cause the problems.Then, this paper puts forward the corresponding method to solve the problemcreatively, constitute the improvement of the internal audit risk monitoring and control system in A bank H province branch. One is for the two problems of risk identification module, this article suggestes to introduce IBM’s big data platform to solve the problems that exist in data collection, and with the help of factor analysis dealing with risk variable matrix, to solve the problems of subjective index classification; Second, according to the two problems of risk measurement module, the paper suggestes to combine RAC matrix method and factor analysis method, by doing so can not only enrich measurement method,but also improve the correlation of conclusions, then apply data of A bank H province branch for empirical analysis in2013,from January to July;The third is to counter the problem of the lack of comprehensive warning module, using the empirical conclusion, provide advices from three dimensions for auditing to focus on.Finally, based on the empirical research conclusion, making feasibility analysis from tripartite faces including the effect of solving the problem, cost-benefit ratio and organization staff relations;Demonstrates the value of the internal audit perfecting scheme,and the intential risks and preventive measure and solutions;Then giving policy suggestions for the domestic commercial banks and the A Bank itself.