Research On The Effectiveness Of Internal Control Of Credit Business In CA Commercial Bank

For commercial banks,the market share,scale,and quality of credit business will directly affect the commercial banks' market competitiveness and ability to achieve strategic goals.Credit business is the basis of profitability of banks,but it is also the main source of risk.The credit risk status and risk control capabilities not only affect the continuous growth of credit business and profitability,but also determine the core competitiveness of commercial banks in the future.To ensure a safe,stable and high-quality credit business,commercial banks need to develop effective credit business internal control system.An effective and viable internal control of credit business can improve the quality of credit business and better circumvent the risks of credit business so as to achieve the profitability goals and strategic objectives of commercial banks.This article first introduced the research status of internal control of credit business at home and abroad,described the theory of effectiveness of internal control,and based on these theories introduced the current status of internal control of credit business of CA Bank.Analyze the internal control design standard of the bank's credit business.Based on this,use the fuzzy comprehensive evaluation method and the passing test to evaluate the effectiveness of the internal control of the credit business of the CA bank.The results show that the bank has the following problems in the internal control of credit business: internal governance structure has certain deficiencies,the quality of credit business personnel is relatively low,lack of internal control culture,risk assessment index and process is not standardized,newbusinesscredit risk management needs to be strengthened,credit investigation and post-credit management weak control,performance assessment needs to be improved,insufficient internal supervision and auditing.Finally,we pointed out measures to improve the internal control of the bank's credit business.It is hoped that this will provide positive significance for improving the effectiveness of the internal control of the CA Bank's credit business.At the same time,it also hopes to provide reference for the study of the effectiveness of internal control of other commercial bank credit businesses.