Commercial Banks In China Paper Business Strategies

Bill business is an old business for commercial banks, while its development these years widen a new area. Many commercial banks open its bill business because the characters of the bill offer much convenience to customers as its quickness, safety. The quick development of the business have vital meanings for the commercial banks to improve the management, increase the profits, widen the connection with the international market as much as possible and advance the reform of Chinese interest rate market.China's bill business have initial difference with foreign one's, the profound reasons involve the subject, object, way of management, and the regulations, as the increase of the subjects and the tools for trade, bill become the main channel of the corporations for financing .Bill business needs to corporate with professional agencies our country have a varies of models of bill management. Only under the models of corporative management, mechanism of professional and organizing the agencies with clean productive right, normal corporation and scientific management, can we adapt the demand of the development of the bill business.Commercial banks need to open commercial bill business for innovation the relevant business are so many as banker's acceptance bill under the L/C, negotiation of documentary collection and promissory notes, commercial notes, commercial paper, forfeiting, which are common abroad .The risk for commercial banks mainly in the regulation risk, management risk, and moral risk. We need to control the process, which can ensure the moderate management and well development.