Research On The Internal Control Of Commercial Banks Based On Credit Risk

In the financial storm surges, the increasingly intensified competition in the banking, financial markets continuously subdivision of today, the internal control of commercial banks plays an important role on the development of bank, if it mishandled, commercial Banks will face the operation risk, moral risk, legal risk and other risks. Banks operat risk, in the economic downturn of the environment, the influence of the credit risk of commercial banks is essential, how to strengthen bank risk warning and prevention, strengthen the internal control of commercial banks, improve the internal control of warning, standardization, effectiveness, and comprehensive, is an important issue in the development of the research of commercial bank today.This article elaborated the research background, purpose and significance, summarizes domestic and foreign literature exploration situation, analysis of the traffic bank H branch credit business development present situation and existing problems, from the internal control environment by means of on-site assessment and evaluation, risk identification and evaluation, evaluation of internal control measures, supervise and correct evaluation, information communication and feedback evaluation in five aspects, emphatically illustrates the existing problems and the causes of internal control, internal control that bocom H branch exists in the internal control mechanism is not sound, internal control culture has yet to carry out such problems as inadequate enforcement and control measures, then the deficiency existing in commercial Banks in credit risk control, breakthrough for the purpose of seeking to commercial bank credit risk internal control machine, in order to reduce the credit risk, to adapt to the wave of financial markets, to better grasp the business development direction, specification management, and enhance market competitiveness.