Study On The Credit Business Internal Control System Of H Branch Bank Of China

At present, the overall financial environment in our country has entered the stage of "new normal".Commercial bank deposit interest rate marketization has ranked in 2015 on the schedule of financial management. The situation of the banking sector spreads narrowing can foresee is coming. And this is bound to bring huge influence in China’s banking industry. Coupled with the establishment of private banking and finance the growth of the Internet will give the impact of the existing in China’s banking industry operating status. Long-term separate operation in China’s banking industry, intermediate business has been want to dramatically improve intermediary business revenue in the short term is not reality. For a period of time in the future, the traditional credit business of commercial Banks will be the main business income. In the face of increasingly diversified and complicated financial environment, commercial Banks to stabilize the operation condition, ensure the net profit growth, will most likely become risk preference, inward profits to the ascension of the blind expansion of credit scale or risky credit assets in the proportion of total assets. Based on this, we must to our country banking industry’s own supervision put forward higher requirements. Once the credit risk on a large scale, customers not only damaged, banking is damaged, and will do harm to China’s political and economic lasting stability. Internal control is an important means of self management, commercial bank credit business internal control has become top priority the regulation of the Banks themselves. The bank of China as an important part of a banking in our country, contributing to the economic development in our country. Also to the bank of China under the influence of the environment, to improve grass-roots branches of management pattern, in order to enhance the overall strength. Face a variety of pressure, the bank of China branches of credit business internal control and the deficiency in put forward the countermeasures and Suggestions in accordance with its characteristics has certain practical significance.The bank of China H branch is the selected case study object in this paper. Internal control theory,a comprehensive risk management theory is the theoretical foundation of the article. This article through in-depth analysis of H branch credit business internal control, with a comprehensive view of H branch related countermeasures and Suggestions are proposed. There are six chapters in this article:The first chapter is introduction. Mainly introduced the research background, purpose and significance, research ideas and methods, and the lack of innovation and related content.The second chapter mainly in this paper, the theoretical basis. Through the general overview of the theory of internal control related to bank credit business internal control purpose, principles and elements of so as to provide theoretical support for the entire article.The third chapter is on the bank of China H branch credit business and its overall framework of internal control system is introduced and summarized in the form of a specific case to analyze the practical implementation of the credit business internal control of H branch and cause, pointed out the deficiency existing in the bank’s internal control.The fourth chapter is the advanced western commercial bank credit risk internal control system of H branch of enlightenment.The fifth chapter is aiming at the shortcomings of the H branch to exist some countermeasures and Suggestions are given.The sixth chapter summarizes the whole article, the corresponding conclusion, the prospect of research on the deficiency of this article.This paper research method mainly adopts the literature research and case analysis. On the bank of China H branch specific comb generalization of credit business internal control processes, mainly composed of field survey to understand way. For specific case analysis, uses the method of combining the theory with practice. Do the abstract theory combined with a specific case, more structure, more comprehensive to the bank of China H branch credit business internal control is analyzed.