The Study On The Managing Of Bill Discount Business Risk Of Industrial And Commercial Bank Of China (icbc), Ben'xi

Bill is the necessary result of the economic development and the indiscerptible tool under the market economy. Recently, bill market presents swift and violent developments along with the economic grow in China. At the same time, the risk issue comes along with the rapid development of bill market. The risks and losing of the bank are caused by the credit inflation and the bubble shows occasionally, all kinds of non-sensible competition behavior occurs repeatedly, bill crook activities played booty inside and outside by criminals. Corresponding risk-defend mechanism must be established in order to develop the bill market. Meanwhile, improved risk-managing means and the updated and accurate operation-supervise network are necessary. As a result, study on the managing pattern of bill discount business risk has its profound theoretical meanings and the upper practical value as well.This paper that focus on studying the managing of bill discount business risk of industry and commercial bank of China, Ben'xi branch by case study method indicates the existent problems of Ben'xi branch, and also the existent risk points during the processes of marketing exploiture, query and double-check of the bill, make price of interest rate, the bill and the data checkup and accountant dispose. With the study and use of reference of the commercial bank from western countries, this paper bring forward the countermeasures in allusion to the existent problems in bill discount business risk-managing of Ben'xi branch in order to make sure the secure circulation within the Ben'xi branch.