The Research Of A Bank’s Development And Innovation In Commereial Bills Business

In recent years, with the pace of China’s financial reform speeding up, the bill market mechanism gradually perfect. Bill business in the rapid development at the same time, also gradually show business bottlenecks.:Bill business gradually liquidated for homogeneity between the commercial Banks, products more competitive. Current situation analysis and the trade through A bank is found in the paper has made some achievements, but also show A certain number of problems. Bill financing balance ranked eighth in the bank, suggests that A bank financing business need to be further expanded; A bank acceptance business need further improvement; Bill business still is given priority to with straight stick, reverse repurchase business fell sharply; The acceptance and discount, discount ticket business as the focus of the domestic banking business development in recent years, high liquidity, low risk and low capital intensive management brings higher yields, such as Banks began to attach importance to it. It is developing for the connection of monetary market, credit market across the financial services market. Can speed up the business transformation of commercial Banks, to improve asset returns and risk of intermediate business income.In the process of paper business, the market there are four participants, respectively: market regulators, Banks, enterprises and the holder. The four market main body is from the perspective of benefit maximization, according to the information to make a judgment, and the behavior of the mutual influence, will ultimately affect the is the issue of bank notes and circulation. This article through to the problems existing in the business of A bank bills, analyzes the market factors, process factor, price factor, marketing factors. From the four dimensions of four dimensional analysis framework, theoretical analysis of the four dimensions of improving whether can achieve the development of the paper. And starting from the demand of market and customers, to improve business efficiency of the notes, paper corresponding development strategies were put forward.