Research On The Construction Of Internal Control Of Chinese City Commercial Banks

In recent years, as China’s banking industry continuous developing and innovating, it’s getting very competitive in banking industry, many city commercial banks in order to make up for their small scale, started late, the variety of the business relative to a single defect eager to expand and listing, in order to expand the stronger, but in the process of development, many city commercial banks by the interests of the driven, attaches great importance to the development of core business at the same time, ignoring the strengthen self construction of the internal control, thus inducing a variety of cases of violation of discipline, and finally cause irreparable serious consequences.In order to promote the healthy and orderly development of the city commercial banks in our country, better serving the local enterprises, the prosperity of the local economy, this paper in the case of second and third tier cities of commercial banks as the research object, through in-depth analysis of the three City Commercial Bank in the different cases found resulting in case the reason is nothing more than five aspects, namely: internal control environment is weak, the internal control system is not effective execution, poor communication, internal oversight is not in place. Because of China’s city commercial bank is the predecessor of the urban credit cooperatives, started relatively late, competition ability lower, internal control is weak, and the industry competition is becoming increasingly fierce, the development of city commercial banks facing enormous challenges. At the same time, the city commercial banks eager to expand and market, internal control of heavy business, making its risk prevention and control capabilities can not keep up with the scale of the expansion, which led to the occurrence of various types of cases. Aiming at the existing problems of internal control of China’s city commercial banks, in order to effectively reduce the cases, through in-depth case analysis, summarizes the countermeasures to improve the internal control of China’s City Commercial Bank, the first to build a good internal control environment, improve employee occupation quality and professional competence in the perfection of governance of Banking Company at the same time; secondly, to perfect the risk assessment system to more efficiently identify risks, and improve the risk assessment of the related technologies and means; again, should carry out internal control activities effectively; at the same time, to establish the system of information communication unimpeded, and strengthen the construction of information system and perfect information feedback channel; finally, we should perfect the internal supervision system.