Study On Risk Control System Of A Bank

In the risk of commercial banks,the risk of credit business is a very important part especially the credit risk of public credit business,but it also becomes the main source of credit risk of commercial banks.The anti-risk ability of the small and medium-sized commercial banks is low as lacking of perfect risk control mechanism,so it will lead to the small and medium-sized commercial banks on the issue of public credit risk is also more prominent.In fact,in the business system of small and medium-sized commercial banks and the public credit business is the main source of profit for commercial banks,it can also be said to be the pillar of the business and how the public credit business in effective risk control,and it has become the key to the small and medium-sized commercial banks to obtain a stable and healthy development.In recent years,with the deepening of financial reform in China,more and more small and medium-sized commercial banks,small and medium commercial banks are expanding financing channels for enterprises,and it plays an important role in promoting enterprise development.However,it should be noted that the public credit business in the small and medium-sized commercial banks faces with the risk control problem.Some small and medium-sized commercial banks are short of good control mechanism in the public credit business risk control,and they fail to establish perfect risk control system,especially the internal control and internal audit mechanism,which leads to many small and medium-sized commercial banks in the aspects of public credit business facing with the risk problem.This paper takes the small and medium-sized commercial banks as the research object,and makes a research on the risk control of the public credit business of the small and medium-sized commercial banks.This paper expounds the basic concepts and basic principles of commercial banks to public credit business,and the basic strategies for commercial banks to control the risk of credit business.Selecting A Bank as a case to analyze,through the investigation,the author found that there are still some outstanding issues of A Bank credit risk control,such as the bank in public credit business approval procedures and processes.There is a non-standard,lacking of relatively perfect the public credit business supervision mechanism,especially the internal control and internal audit mechanism,and it did not fully play its due role.A Banks in the public business has a risk of control problems,but also many small and medium-sized commercial banks generally exist.There is a certain representative.To solve these problems,combined with the actual situation of a bank,this paper proposes about perfecting a bank of public credit business risk control countermeasures,such as the public credit business risk control should comply with the basic ideas and basic principles,and the corresponding improvement in business process examination and approval,supervision,daily management,internal control and internal audit.From the external construction of A Bank,this paper puts forward the relevant suggestions on improving the risk control of A Bank to the public credit business.