Study On Risk Management Of Commercial Bank Bill Business In China

In recent years, commercial bank bill businesses have developed rapidly, becoming the major method of commercial banks acquiring great profits and the main means of enterprises building up short-term capital. However, during the rapid development, there exist many problems and risks, so how to control the risks efficiently is a realistic problem to improve the commercial bank bill businesses healthily. Appropriately, under the improving of our market economy and marketization of money market interest rate, it becomes very meaningful to study this problem and this is also the original intention of this thesis.According to linked financial theory, this thesis theoretically analyses and summarizes the risk management of commercial bank bill businesses of our country through the way of investigating concrete data and cases. The aim of my study lies in giving some advice on management of defending the risks of our bank bill businesses theoretically and practically, trying to provide some political suggestions and theoretical basis in distinguishing the risks of commercial bank bill business and founding the defending system, formulating a political decision by supervisory department, increasing the ability of resisting risks of the financial system and developing and improving our modern financial system.The thesis studies the practice of the commercial bank management of bill business in our country. Firstly, it interprets briefly the definition and contents of commercial bank bill business, and then, it is about the development and its reason of commercial bank bill businesses in China. In this part, risks of bank bill business are distinguished and definited. They are actually divided into four types: interest rate risk, liquidity risk, credit risk, management risk and each of them is theoretically described and empirically analyzed and also combined with the practice of the management of bank bill business in our country, it provides theoretical and real practical basis on adopting aimed defending measures and putting forwards to some political advice. At last, in accordance with the risks that the commercial bank bill businesses confronts, the thesis lays down particular Countermeasures and advice on each risk: interest rate risk, credit risk, liquidity risk and management risk of bill business.