Bank Acceptance Of Business Risks And Prevention

China's financial industry is now in a new period of transformation and development. As a means of financial settlement of bank acceptance bills, bills of exchange as a business, since the application has already become an important settlement tool. Over the last decade, as the market economy development and improvement of business-to-use as the settlement bank acceptance requirements are becoming stronger. As banks can only accept a draft business banks to optimize asset allocation, increase profits, but also broaden the financing channels for enterprises to reduce financing costs, so the issue of bank acceptance of the financial institutions more and more businesses become bank acceptance Commercial Bank's new profit growth point. The financial institutions operate according to bank acceptance of the discount and rediscount business, both strongly support local economic development, but also the formation of China's paper market and laid a good foundation. This is the business development of benign multiple purposes. However, as with bank acceptance bills without reason and independence of the characteristics of the applicant to pay the bills the capacity problem is not due payment, the bank must fulfill as a bill acceptor due to unconditionally pay. Thus, with business expansion and development, financial crimes have become increasingly serious. In recent years, due to the business of breeding of bank acceptance of crime has been ranked the top financial crime. One instance of shocking crimes, to the banks and enterprises causing serious economic losses. To reduce the risk of occurrence of bills to protect the safety of bank funds, we must rise to the risk arising from the source, through the development of appropriate preventive measures to effectively circumvent the possible risks, thus ensuring the health of bank acceptance business development.From the bank's internal control problems and improve measures to start business operations of bank acceptance and systems management.control processes to do the necessary research. This paper studies the general idea is to follow the order: the theoretical basis of the problem --ask questions to solve the problem. In this paper, case study, inductive analysis and other methods, the business of bank acceptance of risk and prevention in-depth research. First analyzes the business of bank acceptance background and significance, and domestic and foreign bank acceptance status of the business; Secondly, the characteristics of bank acceptance and existing problems; Then, in-depth analysis of the acceptance of bank draft business risk, improving prevention measures proposed; finally, focuses on the acceptance of China's banking market building.This full implementation of the theory and practice the principle of combining, an improved acceptance of bank risk and prevention methods and ideas to be on the healthy development of China's paper market to provide ideas.