Research On Internal Control Of Z Bank Provincial Branch Based On Enterprise Risk Management

With the economic development,the external form of the banking industry is extremely grim,the past two years,domestic and international financial markets filled with anxiety and even panic.The global stock market crash,the exchange rate market volatility,emerging market currencies weakened sharply.From the domestic situation,China's economic cycle has come,and is expected to continue for a long time.As China's economy is in speed shift,structural adjustment,power conversion key node,the economic downside pressure is still great,the banking industry has entered the "profit growth slowed down,bad assets steep rise" stage.In recent years,China's commercial banks frequently risk cases.We can see there are still many loopholes in the management of commercial banks.Banks' focus on risk management and internal control is far from enough.Internal control is a kind of self restraint in the operation of commercial banks.Commercial Banks as a monetary operations,has high risk,all kinds of business have different features of formed their own risk.In order to ensure its stable development,it requires a commercial bank to have a set of its own effective and consistent internal control management system.The strengthening of internal control can not only improve the ability of commercial banks to prevent risks,but also help to create a stable development of the business environment.Now commercial banks need to speed up the transformation of the internal control system,so that it can adapt to the development needs of various types of business,to prevent the occurrence of various risksThe research of this paper firstly expounds the relevant theories of enterprise risk management and internal control of commercial banks.Then introduced the internal control management model and the status of risk management of Z bank provincial branch.Put forward the main problems in the existence of risk management according to its different business includes personal financial business,loan business,electronic bank business,international business,accounting settlement business.On this basis,analyzes the problems existing in the internal control through literature research,case analysis and other methods.So as to put forward relevant measures to improve risk control in different business,and put forward the relevant suggestions on the internal control of Z Bank,such as optimizing the internal control system,improving the information exchange and feedback mechanism.