Research On Internal Control Optimization Of Credit Business Risk In Q City Branch Of Industrial And Commercial Bank

With the development of the economy,the credit business risk of commercial banks is still one of the objects that the financial industry pays attention to and is constantly improving the control.In addition,influenced by the fluctuation of global financial market,the banks and investment businesses all over the world are facing huge credit risk crises and challenges.According to the actual survey data,one of the main reasons for the bankruptcy of commercial banks is the risk of credit business.For our commercial banks,the accumulation of bad credit assets has made the credit risk of commercial banks become an urgent problem to solve in the domestic financial industry.Therefore,it is of great significance to study the existing problems in China's commercial bank's risk management system,and further improve its risk management internal control system,and carry out the prediction and control of the credit risk of commercial banks.In this paper,the theory of internal control and risk management based on the literature,using the method of qualitative analysis and quantitative analysis research method,case analysis method and so on,the industrial and Commercial Bank of Q City branch as the research object,and there is a detailed analysis of the internal risk control of credit business problems pointed out,one by one example,then according to these given the risk assessment system,to perfect the scientific method of risk management,strengthen the implementation of control measures,improve the monitoring mechanism,credit risk internal control system optimization measures,once again stressed the credit risk internal control system of the importance of.In order to prevent credit business risks,ensure fund safety and promote healthy and long-term development of banks,this paper aims to study and optimize the internal control system of bank credit business risk and corresponding system improvement measures.