Research On Internal Control In Xinchun Branch Of Agricultural Bank Of China

Commercial banks are at the heart of China's financial industry,but also China's high-risk industries in the financial industry.With the advent of the US sub prime mortgage crisis,the financial crisis gradually swept the world,for the banking industry,the steady development of the future is the main direction of development in the pursuit of profit growth at the same time,prevention and control of financial risks become a new issue of banking management The In recent years,China's state-owned commercial banks have carried out joint-stock reform,from the traditional state-owned system to the joint-stock banks to change,self-management,self-financing and listed on the market,the commercialization of the banking industry is getting higher and higher,The degree of construction requirements have gradually increased.The internal control system of commercial banks is a major guarantee to complete the annual work plan of the board of directors of the bank.Commercial banks with the shareholding system reform and listing are responsible for all the shareholders.After realizing the steady growth of the profits after the year,to prevent the occurrence of various types of economic crime and financial risk events,so improve the internal control of banks is a very difficult and need long-term important work.For a long time,the internal control risk management of the Agricultural Bank of China has always been a weak link in the management,from the initial asset preservation to the current credit limit and list management,from the credit management system reform to the present comprehensive risk management,To have,experienced a gradual development process.Agricultural Bank of China determined to build a first-class modern commercial banks,to enhance the overall level of internal control management of the work is even more urgent.Strengthen internal control of compliance management to ensure that the business activities of the compliance are the basis for the steady development of commercial banks,but also the staff should share the responsibility of the staff.As one of the many branches of the Agricultural Bank of China,the Changchun Xinchun sub-branch is a sub-branch with a good operating performance and is responsible for the management of seven sub-branches.Although the sub-branch is closely followed by the deployment of the provincial administrative arrangements to strengthen the internal control management and construction,and do all kinds of risk prevention and control work,but in recent years,the overall situation of internal control compliance is not optimistic,compliance awareness still need to be strengthened,There have been many irregularities and major cases,to the Bank caused a great reputation and economic losses,fully exposed its internal control management work there are still many problems and loopholes,but also the Bank's business activities,net profit growth Had an obstacle.the internal control system has been relatively perfect circumstances,still the above problems,the reason is particularly important.This paper analyzes the current situation of internal control and management of Changchun Xinchun Branch of Agricultural Bank of China,finds out the existing problems and loopholes,analyzes the root causes and puts forward countermeasures.First of all,this paper analyzes the internal situation and external environment of Changchun Xinchun Branch,and digs out the existing problems in the internal control management of the branch.Secondly,the search for the cause of the problem,the main reason is that employees are not strong sense of compliance,did not form a good internal control environment;risk identification and control ability is not high,the risk of vigilance is not strong;information transfer chain is too long,employees Can not keep abreast of the provisions of the document system;supervision,evaluation mechanism is not perfect and so on.Finally,the paper puts forward some countermeasures to improve the comprehensive evaluation level of sub-branches and promote the continual development of sub-branches.