Research On Bill Risk Prevention For A Bank

Bill business is widely favored by market, for the characteristics of strong liquidity, higher-yielding, not only speed up the flow of funds in the market, but also become an important source of profit for bank. Since the reform and opening up, the bill market of our country has entered into a new stage that developed rapidly, is playing an increasingly important role. With the rapid development of bill market, the risk gradually appears.This paper,with the bill risk of A bank as research object, through analyzing the bill business of A bank, finds out four kinds of major risks that are credit risk, market risk, operation risk and compliance risk. In this study, combined with the case analysis method, analyzes the reasons that generate credit risk. System perfection, internal control, personnel training and institutional improvement is needed to prevent risk. Consequently, this paper gives out risk Prevention suggestions for commercial bank bill business.