随着市场经济的逐步完善和金融体制改革的不断深入,新常态下国有政策性银行市场化改革的步伐也越来越快,使多年积累的体制、机制弊端日渐暴露,潜在的金融风险日益表面化。从最近全国农发行系统通报的几起违法违纪案件看,多数与内部监控不严有关。一些基层行内部监控工作依然存在对内控风险认识不够、重要环节监控不严、规章制度执行不力等问题。一、基层农发行内部监控工作不严密的主要原因 With the gradual improvement of the market economy and the continuous deepening of the financial system reform, the pace of market-oriented reform of the state-owned policy banks under the new normal is also getting faster and faster, exposing the system and mechanism defects accumulated over the years to increasingly exposed potential financial risks to increasingly surface . Judging from the recent cases of violation of laws and discipline notified by the National Agricultural Development Bank, most are related to the lack of internal control. Some grassroots banks still face internal control over the risk of internal control is not enough awareness, lax monitoring of important aspects, the implementation of poor rules and regulations and other issues. First, the primary reason for the internal control of grassroots agricultural development bank is not tight