Research On The Internal Control Of Z Commercial Bank

With the development of China's economy,commercial banks,as the most powerful pillar of the financial system,play a more and more important role in modern economic activities,and play an important role in supporting the development of national economy.But at the same time as the main business banks to operate the currency,making it bear a greater risk than the general industry.Commercial banks in the event of a crisis,will not only affect their own development,but also impact on a country's economic situation.With the rapid development of China's economy and the deepening of globalization,the commercial banks to meet the challenges of the defect of the internal control is slowly revealed,so the construction of internal control system of commercial banks has become an urgent problem in the specification.In this paper,the author studies the problems existing in the internal control of the Commercial Bank of Z,and puts forward some suggestions,which is of great significance to improve the operational efficiency,resist market risks and win the competition in the banking industry.This paper in the domestic and foreign commercial banks internal control problems on the basis of summing up,introduces the related theory of internal control of commercial banks,through the analysis of Z commercial bank internal control present situation,from the internal environment,risk assessment,the basic elements of internal control activities,information and communication,internal supervision five aspects of specific issues there is Z internal control of commercial banks and the reasons for analysis,found that the internal environment of human resources management problems and risk assessment of quality of credit assets decline,control activities of cases of risk prevention is not enough,information communication,internal monitoring and supervision is not in place.By drawing on the commercial banks internal control theory and system,improve human resources management system,strictly regulate the loan risk prevention system,establish and improve the case risk prevention system,improve the information communication system,perfecting the internal audit inspection mechanism is proposed to improve the method of the defect of the internal control system of Z commercial bank.Through the case analysis of Z commercial bank,in order to study the internal control of commercial bank Z the whole commercial bank of radiation,and to improve the competitiveness of commercial banks,and promote the healthy development of the market of commercial banks.