The Internal Control Case Study Of Z Urban Commercial Banks In Foreign Loans For International Guarantees

In recent years,with the deepening of the internationalization of China's financial markets,the commercial bank's business has been diversified and internationalized.As a rising star of the banking industry,some urban commercial banks actively support the "going out" strategy of domestic enterprises by expanding their business scope,which are no longer limited to the low risk business such as foreign currency settlement in international business.These banks begin to try some high risk business such as Foreign Loans for Domestic Guarantees.But the complex risk of Foreign Loans for Domestic Guarantees has brought great challenges to the internal control and business development of urban commercial banks.At present,because of capital,technical competence,talent pool,system configuration and other factors,compared to large national banks,urban commercial banks have a large disadvantage in the internal control system design and implementation situation.Therefore,when conducting internal insurance business,only adhere to the the principle of internal control and system priority,improve the internal control system,improve all staff's awareness of internal control,and constantly strengthen the implementation of internal control and internal audit supervision,can the urban commercial banks improve the overall strength and risk prevention capabilities,so as to resist the various risks of business development process.This paper uses Z Urban Commercial Bank's foreign loans for domestic guarantees business as research object,analyzes the risk events of the Z urban commercial bank's foreign loans for domestic guarantees business from the perspective of the five elements of internal control,and proposes to improve the institutional framework,reasonably set business competence,and strengthen unified credit management,clearly review standards,establish effective post-credit risk early-warning mechanisms,and other measures to strengthen the internal control of Z-Cheng firms within the foreign-guaranteed loans business,which is certain practicality.Due to the limited level of my knowledge,there are still many deficiencies in the research results,which need to be constantly improved in the future study and work.