Case Analysis Of SPDB Chengdu Branch Moving Non-performing Assets

In 2017,the 19 th national congress of the communist party of China(CPC)proposed to fight three major battles: targeted poverty alleviation,pollution prevention and control.The key to preventing and defusing major risks is to control financial risks and promote the virtuous cycle of the financial system.In the face of the chaos in the banking market,the financial supervision department will take strong measures to promote the rectification of problems and the control of risks.In this context,this paper studies the tengdong non-performing assets case of SPD bank chengdu branch,which has theoretical and practical significance to promote the risk prevention of commercial banks.In this paper,taking SPD bank chengdu branch connection of non-performing assets as the research object,based on commercial banks internal control research angle of view,this case background,process and results,to find,ask questions,solve problems for thought and clue,with comprehensive risk management,the definition of the illegal lending credit approval process and internal control related theory as the foundation,the SPD bank chengdu branch of management strategy and credit approval system,human resource management,risk prevention and control effectiveness and internal and external supervision strength and other issues in-depth analysis,finally from the formulation and implementation of internal control system,supervision and innovation level improvement suggestions are put forward.This paper puts forward the recommendations related to the improvement of the specific loan process,the reconstruction of the business scenario,human resource management,to strengthen the system construction and execution problems rectification,scientific and technological innovation on the internal control of production and so on,especially in combination with the artificial intelligence,great data,chain blocks,5 g a new generation of information technology background,such as creative come up with an idea for bank overall risk management of digital applications,boldly looking forward to the future development trend of bank internal control system.It is hoped that the research on internal control of chengdu branch of SPD bank and the suggestions on internal control construction can also bring some inspirations and reflections to other banks and even non-bank financial institutions,and make some contributions to the improvement of internal control quality of commercial banks in China.