Research On The Risks Of Agricultural Bank Of China Zhejiang Branch A Sub-branch Bill Transaction

In recent years, commercial bank bill businesses developed rapidly, becoming the major method of commercial banks acquiring great profits and the main means of enterprises building up short-term capital. The main reason for this is under the condition that our capital market is underdeveloped, the bill businesses alleviate financial difficulty of corporations to some degree and meet the profit targets and regulatory diversification needs of commercial banks as well, thus resulting in violation of rules to deal with different bill businesses in commercial banks and enterprises. However, with the rapid development of bill businesses, the risk is also increasing. On one hand, the actions of main members of bill market are not regulatory and there are a lot of irregular deals, the bill businesses are faced with huge credit risk and operational risk; on the other hand, with the further reform of China's financial market, particularly, with the advance of interest rate market, the interest rate risk is becoming a major market risk of bill businesses.This thesis stresses on the risk of commercial bank bill transaction. Firstly, it states out related conceptions of commercial bank bill transaction, as well as its importance in banks and markets. Then it introduces recent development of commercial bank bill transaction in China. Followed, from the aspects of certain transactions, the thesis analyzes the risks of commercial bank bill transaction and the reasons for the risks, with the focus on the solutions to the related problems. Lastly, the thesis analyses A bank as a case study to explore some countermeasures.