商业银行内控制度建设现状

商业银行内控制度建设现状内容摘要：

s especially stateowned mercial Banks, ownership and the integrity of points from, running and managing existing in the process of shortterm, radically affect the mercial Banks internal control longterm machine system established. Although say, mercial Banks has generally established internal audit anization system, but the internal audit department fails can directly to the board of directors and top management is responsible for the stateowned mercial Banks, other grassroots branches according to administrative divisions set pattern has not fully reversing, institution of too many levels and reduce the sensitivity of internal control, increased group woven operation risk. Second, it is mercial Banks internal control system construction lack of systematic, prehensive, prospective study Fundamentally, our country banking industry is still in extensive development, not according to mercial bank itself the anizational system, business operation system and risk control situation and other factors on systematic, prehensive and prospective studies, thus making set the consistent with their own development regularity of the internal control system of the construction plan. The daily management work is often a business to send exhibition, there a problem, just go considering internal control system of research and formulate, or some business development process appeared in fact risk to sum up experience, research risk control measures, the end can not specimen. Third, the mercial Banks internal control means relatively lags behind, the technology content is relatively inferior, the reaction speed is relatively slow The bank39。 s internal control and management is a dynamic control process, covering the whole process of bank business, the purpose is to have effect of guard against operational risks occur, promote the business development. Some Banks internal control content simply to formulate system, carry out inspection, treatment peccancy, as technological application level is relatively backward, the internal control system failed to establish a set of scientific and efficient, standardized puter risk control system, internal control means still with manual exercises is given priority to, from large portfolio of artificial screening and control, inevitably will appear omissions, not only the management cost is high, and low efficiency of the management. Internal control system construction is still a passive cope with the situation. Second, our country mercial bank inside control construction of the emphases and difficulties mercial Banks internal control of the construction of key should be: the establishment of a modern enterprise system, perfect the corporate governance structure, from the construction of internal control systems of system and mechanism continuity source such as sexual problems on to try to solve. Commercial Banks shareholding system the aim is not。