Title: Study on Influence Factors of Internal Control of Credit Business in Commercial Banks in China—Take Fudian Bank as an example
Author: Yang Kexiran
Advisor: Assoc. Prof. Dr. Qiu Chao
Degree: Master of Business Administration
Major:International Business Management
Faculty: บัณฑิตวิทยาลัย (Graduate School)
Academic year: 2566 (2023)
Published: The 7th STIU International Conference “Leadership & Social Sustainability in the Tech-Driven Era” on 19-21 August 2023 SECTION-8 (pp.1316-1329) conference proceedings PDF
Abstract
The management of commercial banks paid particular attention to the management of loan risks in their credit business, identified and analyzed the background of internal control issues in enterprise loan risks, and improved them based on internal control.
The main goal of this study is to deeply study the risk management of the credit business of commercial banks in China, starting from two levels, including: 1) To analyze the current situation of internal control of the credit business of commercial banks;2) To explore the influence factors of study on internal control of credit business in commercial banks in China.
This paper takes the Fudian Bank as an example to explore the internal control issues of credit policies in commercial banks. This paper adopted a qualitative research method to develop an interview outline. Conduct face-to-face interviews with employees and leaders of the credit business line and related departments of Fudian Bank.
The conclusion of this study is: 1) There are internal control issues in the credit business of commercial banks, especially personnel-related issues, including insufficient qualifications of credit policy formulation and implementation personnel, weak supervision and management mechanisms, and inadequate professional ethics and incentive mechanisms. 2) The influencing factors of internal control of credit policies in commercial banks mainly include the risk preference of management, risk management systems and regulations, organizational structure, and control system.
Keywords: bank credit business, internal control management,personnel management