城市商业银行支付清算风险防范与内部控制

To be on Guard the Payment Risk of the City Commercial Bank and Internal-Control

城市商业银行是我国新兴的地方性股份制商业银行,对其监管一直是中央银行的监管重点,而支付风险的防范又是地方中央银行监管的"重中之重"。本文着重控讨如何通过城市商业银行内部控制的建设来防范风险,认为合理的岗位分工、提高风险防范意识、提高人员素质和完善法人治理是支付风险防范的根本措施。

The city commercial bank is the new type local stock bank to our country, and also is emphasis to central bank supervise, and payment risk is'the first point of first point'to supervisor. The paper study how to built interal-control to be on guard the risk, point out rational division of labor?improving crisis consciousness and employee quality?perfecting administer company legal are basic to be on guarden to payment risk of commercail bank.