Research On The Prevention Of Credit Risk By Internal Audit Of Commercial Banks

The advancement of economic globalization and China's accession to the WTO have brought double significance to China's economic development.One side is the world's economic development opportunities,one side is the multi-party economic challenges,especially in China's commercial banks in this industry,the industry is very competitive,the development of all aspects of pressure and want to seek better and faster development,it is necessary to strengthen the internal control of the bank especially the internal audit work,in order to better understand the real situation of banks and the existing problems in the direction of development,so as to promote the healthy development of the bank.However,The development of China's commercial banks has gone through a long period of time,the development of the problems,not overnight to solve,more or less on the internal audit of commercial banks have a hindrance.The impact of internal control,especially the impact on the credit risk is extremely profound.The development of commercial bank audit is hampered,which will inevitably affect the effect of internal control,especially the impact on credit risk is extremely profound.Therefore,this article.This article takes J City branch as a case,application case analysis,induction and evolution,experience summary method with other methods,it first explain concept of internal audit then discusses the problems and causes of credit risk management and then deduces the audit methods of credit risk prevention of commercial banks,introduces the existing problems and solutions to the credit risk management in the internal audit of commercial banks in China.From the perfect organizational structure Construction,strengthening credit risk prevention strategy,improving the audit methods and means to improve the quality of auditors and other aspects and made a brief discussion and analysis for China's commercial banks to strengthen credit risk prevention and enhance the level of internal audit to provide some reference and reference.