富滇银行内部控制存在的问题及优化对策
摘要
随着世界金融全球化与自由化的不断加深，世界金融市场动荡加剧，导致全球经济金融危机高发。内部控制作为商业银行扩大市场份额占有率，提高经济效益，增强竞争力的重要手段，能够促进地方经济发展。健全金融安全保障体系、防范金融风险并确保金融安全已成为全球，特别是发展中国家急需研究的课题。所以，以正确的态度认识国有银行在发展过程中面临的不稳定因素，建立适合商业银行发展的内部控制体系将会是一项重要和现实的任务。本文以富滇银行为研究对象，通过深入调查富滇银行的运营情况，发现富滇银行内部控制存在的问题，结合富滇银行近年来完善内部控制的举措，据此提出进一步完善富滇银行内部控制建设对策建议。
关键词：内部控制 富滇银行 问题 对策
Abstract
With the globalization and liberalization of world financial deepening world financial market turmoil, the global economic and financial crisis led to a high incidence. Effective internal control as a key means to improve commercial banks’ core competence, to ensure a stable banking system has run an important role. Improve the financial security system to guard against financial risks and ensure financial security has become the world, especially in the developing countries. Therefore, it is an important and realistic task to establish the internal control system that is suitable for the development of commercial banks, by understanding the unstable factors that the state-owned banks face in the development process，effective and reasonable internal control system will be a very real problem and long-term task. Taking Panzhihua commercial banks as the research object, through in-depth investigation of the operations of commercial banks in Panzhihua, Panzhihua found internal control problems of commercial banks, commercial banks in recent years, combined with Panzhihua improve internal control measures, pursuant to proposed commercial banks to further improve internal Panzhihua control of construction Suggestions.
Keywords: Internal Control Panzhihua Commercial Bank problem Countermeasure
目 录
（二）内部安全控制对商业银行的重要性……………………….. 1
二、富滇银行近年来完善内部安全控制的举措及存在的问题.. 2
（二）近年来完善内部控制的举措…………………………….. 2
（一）加强内部风险和内部监控控制，构建监督评审体系，………… 4
（二）加强内部控制力度，设置相互制衡的内部组织结构………….. 5
（三）加强信息系统建设，培养内部控制人才……………………. 5
（四）完善人力资源政策，储备内部控制人才……………………. 6
（五）加强外部监督，内部控制与外部监管相结合………………… 6
