Case Study On Risk Management Of Bill Business

With the rapid development of the market economy of our country, bill business around the country has been widely recognized by many financial enterprise due to its simple procedures, low cost and high efficiency, which laid the foundation for sustainable development and influence of bill market within a short period of time. However, with the development of bill business market of commercial bank, many banks and online Internet financial companies are facing more and more challenges, such as the disorder in bill market of commercial banks and the platform for P2P bill financing paper market order confusion, and some banks even operate acceptance bills and discount business illegally for outstanding enterprise bill business, P2P platform bill business only on self-discipline and lack of effective external supervision. Besides, some commercial banks did not strictly audit and supervise their enterprise credit level and actual operation, which resulted in many legal disputes and commercial crimes with the high risk and brought great negative influence to the society and the bank industry, the risk management of bill business has been carried out by banks imminently.Based on this, this paper will firstly start from the current commercial bank bill market situation to introduce the background of risks on commercial bank bill business, then describe and discuss the theoretical and practical significance from the selected case of JN branch of DY bank and P2P platform bill and large number of domestic and foreign research scholars and important information on the theories of proposed bill risk. Secondly, the author selected the case of JN branch of DY bank and P2P platform bill in a certain year as the study materials to analyze the present situation of the development and bill business with the cases of bill risks, to support the analysis of risk existed in the bill business. Besides, this paper analyzed from main risks existing in the bill business process and explored the causes of risks with the cases which include the credit risk, operation risk, non-real transaction risk, identification risk and background checking risk confirm. Finally, from the bill business, internal system, business personnel, information management system and other aspects to put forward the countermeasure of the risk management of bill business.