Research On Risk Identification And Control Measures Of Rural Commercial Bank Credit Business In LY City,Henan Province

With the vigorous development of China's economic system in the new era,the financial industry plays a pivotal role in the new era of reform and opening up in China's rapid economic development.The entire banking industry also guarantees the development and progress of the social real economy in the payment circulation.The healthy and sustainable development of commercial banks can improve the efficiency of the entire social economy and enable the social economy to achieve steady and steady development.Commercial banks must achieve long-term sustainable development,establish and improve the characteristics of commercial banks in China,and not copy them abroad.The internal control system of the internal control system is extremely important.China is a big agricultural country.The rural population and agricultural economy play an important role in China's development.The development of agriculture is related to social stability and the construction of China's modernization.The sustainable and stable development of agriculture is inseparable from the financial support of financial business,and the Rural Commercial Bank is the main force of rural finance in China.The credit business is the most important business activity of rural commercial banks,and the majority of economic disputes and illegal and disciplinary actions involving the Rural Commercial Bank are also caused by credit problems.The internal control of credit business is an important guarantee for rural commercial banks to prevent credit risk.The risk identification and control measures are also the most critical part and content of internal control of credit business,and also an important issue of concern to the state and academic circles.Many scholars at home and abroad have done a lot of research on the internal control of commercial banks,while the academic research on bank risk identification ismostly concentrated in commercial banks and the four state-owned banks,but the credit business of rural commercial banks with major credit business is agriculture-related loans.There are few studies on internal control risk identification.Therefore,this paper identifies and analyzes the internal control risks of the specific commercial bank's credit business,and contributes to the development of China's credit business internal control.The first part is the introduction,which mainly understands the background and current situation of the research through theoretical background and realistic background.It analyzes the research direction according to the actual background and theoretical background,and establishes the theoretical and practical significance,through certain qualitative and quantitative The research method to analyze the object,paving the way for the following text.The second part is mainly to summarize and analyze some research situations at home and abroad.There are many researches and reports on internal control and risk identification control measures of commercial banks,systematically read and sort out the research status and development,and find research space and theory.basis.It also introduces the relevant theoretical basis and provides the necessary theoretical basis for the following reasons analysis and recommendations.The third part is mainly to analyze the case in detail,including the basic introduction of the bank and the basic information of the current credit business,as well as the organizational structure of the bank and the process of the credit business,and then the relevant situation of the bank's internal control and the current management.The system and process are presented,and the status quo is introduced to provide the basis for finding objective problems from an objective existing system.The fourth part is mainly the risk identification and evaluation process.The risk problem is explored through three ways.Firstly,the questionnaire is relied on the evaluation of the employee and the expert leadership team to find the risk from the subjective aspect,and then through the analysis of the objective status and internal control.The group interview found that the risks were discovered from the objective aspect.Finally,some of the problems were collected through the major risk bad creditcase database,and all the problems and risks that may occur were comprehensively and objectively summarized and collected.Then,based on the analysis of the problems,relying on the internal control decision-making leading group to carry out major risk identification,and analyze the causes of major risks based on the theoretical basis.The fifth part is mainly the control measures.According to the analysis of the major risks and causes analyzed above,it pays attention to major risks,and proposes some feasible and effective control measures based on the theoretical basis of major risks and advanced experience at home and abroad.Conclusions and outlook.Through the above thinking logic and problem analysis research,the paper clarifies the problems and major risks of the internal control of LY Agricultural Commercial Bank's credit business,and puts forward corresponding countermeasures and suggestions,hoping to provide reference for the development of the bank's future credit business internal control.