Study About Credit Risk Internal Audit Of A Rural Bank

At present, how to prevent and control the credit risk and strengthen risk management screen is one of the most serious challenges facing the banking system. Along with our country economy is stabilizing and markets are expanding, industries in various areas especially the vast number of companies dependent on bank credit is more and more high, the pressure of credit risk management has increased further, particularly bad credit accounted for a growing trend, it is need bank intensify control of internal audit, in order to reduce the adverse effect caused by the risk. Overall, the current village Banks are faced with the urgent task is still rely on to avoid credit risk as the main content of internal audit work, one thousand ways to transfer and remove bad risk, in order to achieve the purpose of credit circle. But at present our country villages and towns bank credit risk management in depth and breadth of the internal audit activity, not only the gap compared with developed countries, and far cannot meet the needs of the village and town bank credit risk management. In this background, this article in A village Banks, for example, to power plant S events as the breakthrough point, analyzes the A village bank credit risk status quo and problems existing in the internal audit, and puts forward corresponding countermeasures. Through the study of this article to strengthen A village Banks and other domestic village Banks to strengthen the credit risk of internal audit has A certain practical significance and reference value.The main content of this article is divided into five parts, respectively is: the first chapter, introduction, introduces the research background and significance of this article, the research status at home and abroad was described; The second chapter, the credit risk and internal audit related theory, the bank credit risk management theory and internal audit related theory is presented in two aspects; The third chapter, A village bank credit risk internal auditing present situation and problems, mainly to A village and town bank credit risk analysis, the internal audit process and summarize A village bank status quo and problems of the internal audit activity; Chapter iv, explore to A village and town bank credit risk internal audit concept, and put forward A perfect suggestion of village and town bank credit risk internal audit system of; The fifth chapter, conclusion.Throughout most of domestic and foreign research on bank credit risk internal audit for each big commercial Banks, state-owned Banks, the study of village Banks is very limited. Banks growing, but at present our country villages and towns for the construction of our country economy has made a great contribution. Through the research of this paper chooses A village bank is innovation point in this paper. The shortcomings of this article is in the study of factors affecting rural Banks credit risk when no specific quantitative, not intuitive to see the influence degree of each factor, the author hope to be realized in the future research.