摘  要：2015年以来，中国的经济增长趋于平稳，并且在未来出现大幅度增长的概率很小，但是可以说是稳中向好。总体投资消费均呈增长势态，就业总体稳定，房地产投资增速回升，新兴产业发展迅速，企业效益恢复性增长，有望追求中高速发展，向中高端水平迈进。可是中国的银行业在面临国内经济结构调整、发展方式转变、和金融市场演进的深刻变革以及国际的金融经济发展形式的多方面冲击下并未能探究出银行业发展的新态势，新格局，没有跟上变革的步伐，受到了新兴经济形式的冲击和挑战。中国的银行业亟需寻找突破口面对新形势下的压力和挑战。本文就试图通过国内国外银行业三性指标对比，国内银行业安全性、流动性、盈利性透析，以江苏银行为例基于三性的视角，分析商业银行的内部控制存在的问题，进而寻找解决银行业内控制度不完善的方法，提出加强银行业内部控制的相关措施。73390

毕业论文关键词：银行业，新形势，三性指标，内部控制

Abstract：Since2015，China’s economic growth tends to be stable ,and the probability of a large increase in the future is very small,but it can be said to be steady and better。  Overall investment consumption showed a growth momentum, the overall stability of employment, real estate investment growth picks up, the development of emerging industries rapidly, enterprise benefit to restore growth, is expected to pursue high-speed development, toward the high-end level。 But China's banking industry in facing the domestic economy structure adjustment, change the mode of development, and the financial market evolution of profound change and international financial and economic development in the form of various shocks and failed to explore the new trend of the development of the banking industry, new pattern, have not kept pace with the   change of pace, by the impact and challenge of the new economic form。 China's banking industry is in urgent need of finding a breakthrough to face the pressure and challenges in the new situation。 This paper attempts by domestic and foreign banking liquidity index contrast, domestic banking industry safety, liquidity, profitability of dialysis, Jiangsu bank as an example based on the perspective of the triplet。 Analysis commercial bank's internal control problems, and finding the methods to solve the banking internal control system is not perfect, put forward relevant measures for strengthening the internal control of banking industry。

Keywords：banking industry, new situation, three indicators,internal control

目  录

1  引言 4

1。1  研究的背景 4

1。2  研究的意义 5

2  银行业三性指标和内部控制概述 5

2。1  三性指标概述 5

2。2  内部控制概述 6

3  江苏银行三性指标概况及内部控制现状的分析 7

3。1  江苏银行三性指标概述 7

3。2  江苏银行内部控制现状 10

3。3  江苏银行内部控制存在的问题分析 11

4  基于三性指标视角的银行业内部控制优化策略 12

4。1  优化内部控制环境。 12

4。2  优化信息披露。。 12

4。3  优化内部控制措施  12

4。4  优化法律法规的遵守 。 12