Research On Risk Management Audit Of S Commercial Bank

With the rapid development of the globalization of the financial industry,while bringing opportunities to China's financial markets and services,it has also brought many challenges.In the context of the current new normal of the economy,the external economic situation faced by domestic commercial banks and the internal industry competition environment have undergone profound changes.The market segmentation has been deepening,the development of new financial products has been increasing,and banking business has been divided.The transformation of industry management into mixed operation has put forward higher requirements for the risk management level of commercial banks.Especially with the opening of financial markets and the rise of financial technology,the banking industry has become increasingly competitive in terms of market share,quality customer resources and entry into the international financial industry,and external stability has become increasingly tight.At present,the problem of weak risk management and the lag of risk concept in China's banking industry has become increasingly prominent.Therefore,strengthening the internal management of commercial banks,building a sound risk management system,and vigorously improving corporate governance capabilities and risk management and control capabilities have become the general trend.As a major component of commercial bank internal audit,risk management audit plays an important role in promoting risk identification,monitoring,early warning,response,and disposal of commercial banks.It is conducive to the realization of bank strategic objectives,promotion of bank corporate governance structure optimization,and operation.The overall improvement of the effect will achieve the steady development of the bank.This paper focuses on risk management internal audit,and uses literature research,case analysis,normative research and other methods to conduct an in-depth study of S commercial bank risk management audit.Firstly,this paper summarizes the relevant literatures on risk management audit at home and abroad,and on the basis of reviewing the theories of fiduciary responsibility,strategic management and comprehensive risk management,analyzes the necessity and feasibility of commercial banks to strengthen risk management audit.Secondly,on the basis of studying the current situation of risk management audit of S commercial bank,the problems existing in risk management auditof S commercial bank are analyzed.Finally,it puts forward the countermeasures and measures to improve the internal audit of S commercial bank's risk management.This paper aims to make reference for commercial banks,to learn from and improve the level of risk management,to meet the challenges of the development of the times and environmental changes,to meet the needs of the healthy development of the socialist market economy.