南通农商银行审计监督精准发力

Core Viewpoint - Nantong Rural Commercial Bank is focusing on enhancing its audit supervision quality and efficiency as part of its "Credit Business Improvement Year" goal, integrating audit supervision throughout the entire credit business process to support high-quality development [1][3]. Group 1: Risk Management - The bank is conducting a comprehensive audit of collateral management, aligning with regulatory requirements to identify and manage risks throughout the entire process from entry to monitoring and disposal [1]. - A thorough audit approach is being implemented across branches, focusing on compliance, risk control, and internal management, utilizing audit models and credit file reviews to uncover operational status and potential risks [1]. - Internal audit feedback is promptly provided to business departments to encourage self-inspection and correction, maximizing the value of audits [1]. Group 2: Audit Efficiency - The bank adopts a research-oriented audit approach, analyzing root causes of issues and proposing targeted recommendations to convert audit results into effective governance [2]. - A systematic review of 11 risk scenarios related to mobile business platforms has been conducted, resulting in a comprehensive guide that includes risk manifestations, impact assessments, and prevention suggestions [2]. - The bank employs a three-path approach ("upward reporting, parallel suggestions, downward communication") to ensure the effective application of audit results, thereby enhancing management efficiency [2]. Group 3: Continuous Improvement - The bank emphasizes a combination of immediate corrections and long-term systemic improvements, focusing on both problem rectification and enhancing institutional mechanisms [3]. - A robust rectification responsibility mechanism has been established, designating the main responsible person for each audited unit, and implementing a problem list, rectification ledger, and closure system to ensure issues are addressed [2]. - The bank aims to deepen the application of audit results to improve overall audit supervision effectiveness, contributing to stable business development and establishing a solid defense for sustainable growth [3].