Bank Of China Dalian Branch Bills Financing Business Risk Management Study

With the occurrence of the Bankers' Paper financing criminal cases in recently years, the risks behind the Bankers' Paper financing expansion become more and more evident. From 2001,Bank of China DaLian Branch has exposed critical Bankers' Paper financing business risks management loopholes. It's urgent to strengthen the Bankers' paper financing risks management.This paper focuses on the Bankers' paper financing risk management practice of Bank of China DaLian Branch and illustrates the risks management from four parts. The first part is foreword. The second is the existing risks and inner reason analysis. The third is the Bankers' Paper risks management detailed measures. The last part is the conclusion.The paper puts the emphasis on the main risks existing in Bank of China DaLian Branch: fixed discount rate risk, credit inflation risk and operation risk. The operation risk includes due pay risk, paper distinguishing risk and clerk operation fault risk. Through the happening reasons analyzing, the paper holds the specific six precaution methods in accordance with the risks. The measures are: using financial analysis calculation method to determine discount rate; adjusting achievement check plan to control credit inflation; checking the acceptance banks reputation; fulfilling the Bankers' Paper inquiry and answer system; following the operation regulations to standardize the financing operation and strengthening the supervision to correct mistakes.In view of the limitation of the current study theories, the paper involves the concept of opportunity cost and break-even financial method into the Bankers' paper financing management; holds achievements check adjustment into risks management to overcome credit inflation risk. Meanwhile, the paper puts forward the more detailed and valid measures ,such as copying the papers finding out the certificates writing requests in advance answer papers combining with facsimile and secret codes papers mailing process control and so on, in checking the acceptance banks reputation certificate writing method papers inquiry and answer system and strengthening the supervision to prevent the financing business risks from the specific operation chain.