股份制商业银行信贷业务内部控制探讨

摘要
 在当今市场经济的大环境下，作为最重要的金融机构之一的商业银行，在社会经济活动中扮演着非常重要的角色。而股份制商业银行凭借其先进的组织管理架构，和高效的运营模式，在市场经济高速发展的大环境下，迅速崛起，成为我国商业银行中一富有活力的生力军。
信贷业务作为商业银行的主营业务，是股份制商业银行的重要盈利来源。同时信贷业务的性质决定了其为高风险性业务，信用评级和信贷审批过程中的差错，都将可能为银行带来巨大资金损失，甚至造成整个金融系统的紊乱。因此，需要一套健全有效的内部控制体系防范信贷业务中可能存在的各类风险。
本文旨在通过对股份制商业银行信贷业务相关案例的分析，对其内部控制进行探讨，最终找寻信贷业务内部控制合理化运作及其在现实经济活动中的重要意义。

关键词：股份制商业银行；信贷业务；风险管理；内部控制The investigation of inner controls of the credit business for the Joint stock commercial Banks
ABSTRACT
In today's the environment of market economy, commercial banks,as one of the most important financial institutions, play a very important role in the socio-economic activities. The joint-stock commercial banks by virtue of its organizational and management structure, and efficient operating model, in the rapid development of market economy environment,  rapidly become a vibrant new force in China's commercial banks.
Credit business as a commercial bank's main business is an important source of profit of joint-stock commercial banks and credit business nature of its high risk business. Errors in the credit rating and credit approval process will likely bring huge financial losses for the bank, or even cause the entire financial system disorders. Therefore, a sound and effective internal control system is needed to prevent credit that may exist in various types of risk.
This thesis is intended for joint-stock commercial bank credit business case analysis, to explore its internal control, and ultimately find the credit business to rationalize the internal control and operation of real economic activity.
Key Words ：joint-stock commercial banks；Credit business；Risk Management ； internal control

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