Process Reengineering And Commercial Bank Acceptance Of Draft Business Operation Risk Guard

In recent years, the business of bank papers has developed rapidly and formed several major paper markets one after another in our country. But among numerous paper markets, the rapid development of the bank acceptance bill is especially notable and even become the backbone business in some small and medium-sized banks. However, because the paper market is not perfect in our country, and our commercial banks also have some shortcomings, such as, the unreasonable legal person governance structure, the imperfect internal control system, and the unsound risk-prevention measures so on. What’s more, recently, with the global economic recession, China’s real economy has been hit heavily. Some practitioners began to take risks in order to obtain bank funds, and started to go around the bank acceptance bill in the financing difficult circumstances. So that the crimes about bank acceptance bills rise year by year and it renders some characteristics, such as, the diversified means of crimes, the complex processes of crimes and the concentrated outbreak of criminal cases. All sorts of crimes like fictitious trading background, forgery, internal and external collusion emerge endlessly. The amount of criminal money is becoming bigger and bigger which causes serious credit losses to the bank as well as economic losses. Therefore, how to guard against acceptance business operation risk effectively is a problem which commercial banks, especially small and medium-sized city commercial banks must face and solve.Combining with the author’s working experiences, the thesis analyzes the cause of bank acceptance bill business operational risk and its hazards in detail. Besides, through the examples analysis, it points out the serious deficiencies about current commercial banks in preventing bank acceptance business operation risk. It also proposes a new idea, that is, to guard against operational risks effectively by bank acceptance business process reengineering. And based on the process reengineering work of WF bank, it expounds the effectiveness of the process reengineering to guard against of the bank remittance bill business operation risk comprehensively. The thesis aims at providing the beneficial reference for small and medium-sized financial institutions to prevent bank acceptance business operational risk...