The Research Of A Bank's Development And Innovation In Commercial Bills Business

Commercial bills is one of financial products that banks in China provide to corporate customers,commercial bills market is an important part of the Chinese money market. Since the 90s 20th century, the business of commercial bills in China has developed very fast, commercial bills has become an important tool of the settlement between enterprise,meanwhile it has become a tool of the company's short-term financing.the business of commercial bills provides an easy way in the financing to enterprises in China. As the continuous development of business of commercial bills, the size of commercial bills market in China is growing fast.A national commercial bills market has been formed gradually. Because of the high correlation with the real economy, as well as full competition within the market,Chinese commercial bills market has become an important part of the money market.In a perfectly competitive market environment, business of commercial bills in banks of China developed rapidly.Because of the functions in regulating the commercial bank credit scale, adjusting the asset structure, providing more financial servicese,commercial bills has become an important tool of mamagment in liquidity of commercial banks.In the note market growing process, A bank bill market has gradually become an important player and leader, but as the paper market continues to develop, and A bank listed in 2005 after the paper market, A Bank notes franchisees because of its huge assets in the A bank's location ambiguity problem facing the continued development of its bottleneck. At the same time in the paper market, has introduced a variety of product innovation, industry customers through product innovation A bank's market share eroded, posing a threat to its, A slightly more conservative banks lagged the market strategy and product development to slow growth changes in business strategy, increase product development and innovation, has become the A Bank to lead the market an important issue.In the process of growing, A bank has gradually become an important player and leader in commercial bills market, This paper will analyses the current situation and commercial bills products of A bank in the market environment of China, combining with the comparison in products between other commercial banks and A bank,inventing a new product of commercial bills, and it will discuss the possibilities of the new product.Innovation of this paper. According to the original article notes financial products model, constrained by the policy to improve the existing financial model, financial model to propose new ideas and new modes of risk analysis and recommendations, while A new financial management model banks location for analysis, development of financial business under A bank asset custody business, ideas and suggestions.