Study On The Optimization Of Internal Fraud Risk Management And Control System For The A Bank

Commercial bank is an important part of China's financial system,playing a significant role in China's reform and opening-up.Moreover,the safety and stability of commercial banks are directly related to the stability of our social order.However,with the stream of financial innovation,commercial banks are subject to great risks while making huge profits.Internal fraud risk is one of the most dangerous risks.In recent years,internal fraud risk event,coupled with the huge amount and wide range,has not only caused huge economic losses and serious reputation of the bank,but also endangered the stability of the national economic order and financial security.This has attracted the attention of the banking.How to control the internal fraud risk?Therefore,it is very urgent to pay attention to the internal fraud risk's management and research,and build a scientific and effective internal fraud risk management system.In this paper,Take A bank for example,the author discusses and analyzes the existing management and management system defects through the A bank internal fraud cases.Then,the author puts forward optimization plan of the internal fraud risk control system and guarantee measures.Therefore,the research results of this paper not only help to improve the level of internal fraud management,but also provide a reference for the other commercial banks.This paper is divided into six parts.The first part is the introduction,in which the author briefly and discussed the background,main contents,purpose,basic framework.The second part is the basic theory and literature review at domestic and abroad.This paper summarizes the theories of modern corporate governance theory,internal control theory,information asymmetry theory,mechanism design theory,self-interest behavior theory and the research status of domestic and international internal fraud risk.The third part,the author analyzes the causes of the A bank internal fraud risk and management deficiencies.This chapter first studies the types of internal fraud in the A bank,and then analyzes the causes of its events and the defects of the existing management system of the A banks.The fourth part is about how to put forward the optimization plan of the internal fraud risk control system.The fifth part is the guarantee measures of the internal fraud risk management system.Consist of organization support,system support,technical support and personnel training support to discuss.The sixth part is the conclusion of the research.