Research On Optimization Of Internal Control Of ZY Branch Of Huishang Bank

The development of our country's economy and financial market promotes the rapid growth of all kinds of commercial banks.At the same time,the competition among commercial banks is more intense.If commercial banks lack effective internal control,there may be problems such as internal and external fraud,irregular process and so on,which may lead to the loss of bank interests.Strengthening internal control and enhancing the ability of commercial banks to guard against internal and external risks are areas that commercial banks need to improve and improve,which has a very positive significance.This paper takes the ZY branch of Huizhou Merchant Bank as an example to analyze the problems existing in its internal control and put forward the measures to strengthen its internal control so as to improve its operation quality.This paper first analyzes the internal control status of the ZY branch of Huizhou Commercial Bank from the internal control environment,risk assessment,control activities,information and communication,and supervision,and points out the internal control goals of the bank.Secondly,this paper analyzes the problems existing in the ZY branch of Huishang Bank and points out that the bank faces the lack of risk management consciousness of the branch executives,and the talent team construction needs to be strengthened.The assessment technology and methods are backward,and the early warning ability needs to be improved;The credit risk release measures are single and the frequency of operation risk is high.Information islands exist,information system protection measures are not perfect,and there are problems in the field of supervision.At the same time,it also points out that the reasons for the above problems are mainly internal factors such as the lack of internal control culture,the lack of employee risk awareness,the lack of professional talents,and the imperfect comprehensive risk management system.Based on the above analysis,this paper strengthens the construction of human resources by raising the internal control consciousness of the senior management of the branch;Improve the business risk assessment system,fully estimate macro and micro risks,and establish and improve the early warning system;Improve the credit risk release tools,improve the operation of risk management means;We will strengthen information connectivity and the application of big data,and strengthen the security and protection of information systems.Several aspects,such as strengthening the authority and independence of the internal audit work and establishing a three-level preventive system,have formulated an optimized plan.Based on the theory of internal control,this paper puts forward a specific plan based on the actual situation of the ZY branch of Huizhou Commercial Bank.It also provides some reference and reference for similar commercial banks to improve their internal control level and business quality.It has certain theoretical and practical significance.