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A Study on Problems of Internal Control of Chinese Commercial Banks

Author: LiQing
Tutor: WangChunShan
School: Dongbei University of Finance
Course: Accounting
Keywords: commercial banks inernal control application guidelines
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 706
Quote: 0
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Abstract


Banking, as a hihg-risk, high sensitivity industry, its stability influences the stability of the whole financial system and national economy. In order to confrom to the international competitive trend, by December 2006,China’s banking industry has been fully opened to the outside world and commercial banks in China speed up the process of joint stock system reform. With the rapid development of banking industry, constant exposition of serious cases in banking indicated that there are many loopholes in internal control of our commercial banks. The financial risk occurred in 2008 causes huge changes in international financial environment, and banks in China are facing fierce competions.How to perfect internal control system of commercial banks and carry out it effectively is becoming the central issue on which the supervision anthorities and the banks focus.The Ministry of Finance, CSRC, the National Audit Office, CBRC and CIRC jointly published Supporting Guidelines for Enterprise Internal Control on 26 Apr. 2010,which provides the construction and perfection of internal control of commercial banks with ideas. This paper analyzes current internal control situation of some representative banks from the achievements of interal control construction, such as Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, Shanghai Pudong Development Bank and so on. Although the guidelines don’t contian the application guidelines about banking, we can propose some reasonable suggestions for perfecting the internal controls of commercial banks by means of combining Basic Standard for Enterprise Internal Control issued in 2008 with Guidelines on Strengthening Internal Controls of Commercial Banks issued in 2002 and according to the operating characteristics of commercial banks. Based on this, this article study the internal control of our commercial banks from several aspects. Firstly, there is a introduction of studying background and significance. Secondly, elaborates the developing process of inernal control of commercial banks in China and foreign countries and lists some points that we can borrow. There is a statement on basic content of inernal control of commercial banks in the third part. In the fourth part, sums up the current situation of some banks’internal control, and analyzes the existing problems. This part is the most important part in the paper. Finally, proposes some suggestions about these problems.As our supervision departments paying more attention to the internal control of commercial banks and the regulations becoming more perfect, how to improve the implementation capacity of internal control becomes the most important point.Ⅰhope this paper could have a positive influence on the construction of internal control of our commercial banks.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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