Research On Internal Control Of Smart Banking Business Of JS Bank K Branch

Finance is an important part of the national economy,while commercial banks are important elements of finance.With the continuous optimization and upgrading of the industrial structure of the economy as well as the rise of the Internet financial industry,commercial banks are also facing transformation and upgrading.The rapid development of mobile Internet,cloud computing,big data,artificial intelligence,block chain and other new technologies,and the financial technology produced on this basis has changed the development mode of commercial banks,the intelligent development of commercial banks began to start,intelligent banks came into being.With the intelligence of its business processing,the precision of data processing and the popularization of the service group,the intelligent bank is not only compliant with the current trend of the new technology,but also tussling with the impact of the Internet financial enterprise on the traditional commercial bank.Consequently,the construction of intelligent banks has gradually become one of the main strategic directions of commercial banks.However,opportunities and challenges are always accompanied in the process of the development of anything,and there will also be a variety of problems in the process of the development of intelligent banking,one of which is the problem of internal control.Internal control is related to the long-term and healthy development of intelligent banking business,which is worthy of our attention.According to the above research background,based on the internal control theory and risk management theory of commercial banks,and combined with the working experience of secondary branches and grass-roots branches of commercial banks for many years,this paper analyzes the problems and causes of the development status quo of K branches in the internal control of intelligent banking business.The analysis shows that there are some problems in the business of intelligent bank in K branch,such as the imperfect internal control environment,the defects in the construction of key links,the lack of feedback evaluation mechanism of business information,the deficiency of potential risk management,and the imperfection of supervision and restraint mechanism.On the basis of analysis,furthermore,it is proposed that K branch should optimize the internal control of intelligent banking business from the aspects of internal control environment,risk management,business operation,key link construction,information and communication,supervision and management,etc.So that the development of intelligent banking business of K branch is healthier and longer term,and “the second curve” of K branch development can be realized.The development of intelligent banking provides a clear idea for the development and change of the business of commercial banks,through the research on the internal control of K branch intelligent banking business of JS bank,this paper not only provides some guidance for the healthy and sustainable development of K branch intelligent banking business,but also provides new experience and reference for the research of intelligent banking business of commercial banks in our country.