The Case Research On The Problem Of The Internal Control Of H Rural Commercial Bank

With the economic development entering a new normal,the problem of unbalanced development in rural areas has become the most prominent.To solve the problems of rural development and revitalization,it is necessary to further improve the level of financial services,improve the rural financial system suited to the characteristics of agricultural and rural areas,and constantly strengthen the local legal person institutions,to provide effective support.However,there are still many problems that need to be improved in the rural commercial banks restructured from the local legal person institutions.Especially,the internal control system still lags far behind the advanced foreign banks and large domestic commercial banks.There are many problems such as poor operating performance,high rate of non-performing loans and confused internal management.The root cause of some problems is the imperfect internal control system.Founded on June 19,2015,H rural Commercial Bank is a local banking financial institution with independent legal personality.Compared with other local banks,it has independent decision-making and independent management rights.This paper studies the current situation of internal control system of H rural Commercial Bank by means of data analysis and case analysis.It uses internal control theory to analysis the existing problems of H rural Commercial Bank from five aspects: the current situation of internal control environment,risk identification and evaluation,internal control evaluation measures,information and communication,supervision and correction.Through analysis,it is found that H rural Commercial Bank have room for improvement in improving corporate governance structure,internal control measures,strengthening internal control guarantee and internal control supervision,and specific suggestions are put forward.In order to further enhance the ability of rural financial services and increase the support for rural funds,only by establishing a sound internal control system,increasing investment in the construction of internal control system,ensuring that all operational indicators are controlled within a reasonable range and achieving sustainable development,can rural financial services be better provided.H rural Commercial Bank and other local financial institutions can learn from relevant measures to improve management efficiency,reduce operational risks,prevent accidents and major illegal cases,constantly improve the internal control mechanism and improve their comprehensive competitiveness.