The Risk Analysis And Prevention Research Of The Bank Acceptance Bills Of CDB Ningxia Branch

China’s financial industry is experiencing a period of rapid development. As an important means of financial settlement, the bank acceptance bills became an important settlement instrument for enterprises since its introduce. Along with market economy’s development and improvement, enterprises’desire for bank acceptance bills as a settlement instrument are getting stronger. Enterprises’ issuance of notes help transform their future purchasing power into present purchasing power, speed up the flow of goods, reduce their cost of financing and broaden their financing channels as well. Conducting bank acceptance bills business also enables banks to optimize their asset allocation, obtain huge profits, avoid credit-and mortgage-loan extensions, therefore more and more financial institutions began to issue bank acceptance bills. However, with the expansion and development of bank acceptance bill business, its risk is also increasing at the same time. The number of crimes resulted from bank acceptance bills have already ranked first among various financial crimes. The risk point of operational-and fraud-risk are particularly serious, causing serious economic losses to banks and enterprises. In order to reduce the risk of bills business and ensure the safety of banks’funds, we should adopt measures considering the origin of risks, prevent and avoid all various risks may appear during the whole process of bank acceptance bills business.As a key financial institution in Ningxia, China Development Bank Ningxia branch is conducting more and more bank acceptant bills business with purposes to meet financing requirements from key enterprises in Ningxia and enhance its intermediate business income. This paper will take bills market as background and business process as mainline to analyze how to handle emerging risks and recognize, control and prevent potential risks in business process, basing on demonstrating related concept meanings of bank acceptance bills and formulate a safe operation environment for bills business of Ningxia branch. Through adopting corresponding prevention measures, researching related policies and measures, to effectively avoid various risks which may arise and advocate bills business principles, so as to ensure the healthy development of bank acceptance bills business of China Development Bank NingXia Branch.