The Research Of The Internal Control Countermeasure About Heze Rural Commercial Bank Based On SWOT Anlysis

Internal control mechanisms are an integral part of rural commercial banks internal control Heze construction of a series of risk control Heze rural commercial banks to achieve business objectives and operational activities of internal employees are engaged in the implementation of system management and mutual restraint the method of supervision,the sum of the measures and procedures.Heze rural commercial banks,because of its traditional Heze restructuring of rural credit cooperatives,not only property rights need to be converted,the management system needs to be reformed,and therefore greater pressure to improve internal control in the face.Therefore,by the internal control theory to learn and master,the internal control Heze rural commercial banks SWOT analysis in order to identify the problems of the bank's internal controls and propose appropriate measures,it is necessary,which helps rural commercial Heze Bank as soon as possible to optimize internal controls,improve the comprehensive competitiveness,provide better financial services to the public in Heze.Firstly,on the theory of internal control to learn and master,analysis of commercial banks to develop elements of internal control;secondly use SWOT method,rural commercial banks in Heze City,Shandong Province advantage of internal controls,weaknesses,opportunities and threats Full analysis and use in the form of SWOT analysis table of Heze rural commercial banks to summarize the problems that exist in Heze rural commercial banks internal control structure chaos,control activities serious violations,poor communication,risk assessment system is not improved risk assessment single,techniques and methods of risk assessment backward,risk consciousness,lack of internal control culture,the lack of incentive control mechanism;again,the article internally in the United States,Britain and India,led by foreign rural financial institutions to control the situation reference is to introduce their practices in internal controls that are designed to highlight the organization's authoritative oversight bodies,with strict authorization and approval system,with emphasis on preventive work to identify credit risk,diversification of the internal control methods,information practices depth application of technology is very desirable,is also worth Heze rural commercial banks to draw on;Finally,Heze rural commercial banks have problems,put forward reasonable proposals.This paper argues that,for the current Heze rural commercial banks internal control problems that exist,it is necessary to make the following improvements: First,to optimize the organizational structure,including the establishment of a modern corporate governance structure of commercial banks,establish a sound internal control building of enterprise culture improve the internal control system and excitation control system,internal audit system and strengthen supervision to strengthen the links and so on;Second,establish and improve the rural commercial bank risk assessment system of internal control,including risk assessment enhance the overall quality of staff,strengthen risk management emphasis on assessment,improve risk assessment comprehensiveness of the content,to strengthen the quantitative analysis in the risk assessment and so on;Third,establish and improve the system of control activities,including activities in strict accordance with the system of measures for internal control activities,strengthen internal control provisions enforcement,improve the hierarchical management system,improve systemic and other internal control activities;Fourth,improve information exchange mechanisms,including information systems to cover the whole process of management,the establishment of a complete sensitive information feedback system,strengthen the department's between the exchange and communication of information.