Research On The Internal Control Evaluation Of Credit Risk In Suzhou Branch Of NY Commercial Bank

Internal control evaluation of credit risk is the key way to manage bank credit risk.With the gradual extension of the evaluation method,it has become an indispensable risk evaluation method in the development of the development strategy.Now,the evaluation of bank credit risk is usually based on the audit conclusion,but the shortcomings of this approach is that some non-audit indicators may not be included in the impact.Therefore,with the above content,this paper tries to construct a scientific and reasonable model to evaluate the credit risk of banks,which can be revised according to the actual situation of banks.This article is mainly discussed from six chapters.The first chapter introduces the research background,research significance and purpose of this paper,and lists the research methods and research ideas of this paper,and puts forward the innovation of the research.The second chapter is about the commercial bank credit risk internal control system evaluation theory introduction,This chapter also introduces the domestic and foreign commercial banks' internal control evaluation system and analyzes the existing internal control evaluation methods.The third chapter mainly introduces the shortcomings of the evaluation system of the internal control system of the credit risk of Suzhou Branch of NY Commercial Bank,and analyzes it.The fourth chapter introduces the index and evaluation method of the evaluation of the internal control system of the credit risk of Suzhou Branch of NY Commercial Bank.The fifth chapter introduces the application of the internal control evaluation of credit risk of Suzhou branch of NY commercial bank.In the sixth chapter,the author puts forward some suggestions on improving the internal control of credit risk in NY bank by means of the shortcomings of the paper.The research example chosen by this paper is the Suzhou branch of NY Commercial Bank.Through the verification analysis,it is found that the model is strong and the evaluation result is not only high accuracy and more comprehensive,but also better than other methods of evaluating the internal control of credit risk in commercial banks.So that this paper shows that the evaluation model constructed in this paper is suitable for commercial banks to improve the credit risk evaluation mechanism,strengthen the ability of internal control risk,promote the further improvement of the quality of credit assets,and promote the improvement of commercial banks' management ability.