Research On The Optimization Of Pre-loan Investigation Of H Branch Of Everbright Bank Based On Audit Perspectiv

In recent years,commercial banks have frequently failed due to poor risk management,the overall non-performing loan ratio of the banking sector remains high,and the problems in the domestic credit industry are serious.Credit is the core business of commercial banks in China,in the course of carrying out credit business,commercial banks often suffer credit risks and losses due to incomplete pre-loan investigation and poor risk identification.As one of the first commercial banks in the province,Everbright Bank H Branch had a large customer base at the beginning of its existence,but with the establishment of other commercial banks in the province,Everbright Bank H Branch gradually lost its dominant position in the credit market.By using case analysis,comparative analysis and inductive deductive method,this paper firstly discusses the basic situation of credit business,the theoretical method of pre-loan investigation,the requirement of pre-loan investigation and the workflow of H Branch of Everbright Bank.Secondly,by comparing the difference and connection between audit work and pre-loan investigation work,the author analyzes the significance of audit work for the pre-loan investigation work.Finally,according to the advantages of audit work in independence,audit method and control test,the pre-loan investigation of H branch of Everbright Bank is optimized.It is hoped that the optimization of the pre-loan investigation in branch H will arouse the risk control consciousness of the staff of the bank,attach more importance to the pre-loan investigation in practice,and improve the risk management system to promote the stable and healthy development of branch H of Everbright Bank.