A Study On The Risk Management Of The Import Bill Discount Of XX Commercial Bank

The international trade in China is growing fast since2000.The import billdiscount among commercial banks have been growing fast too in order to meet theneeds of the company’s development. In consideration of the security and efficiencyof the bank’s management, the commercial banks pay close attention to themanagement of the import bill discount’s risk.Because of the invalidation of the management of the import bill discount’s risk,it had happened several times that the commercial banks had the problem when theydid the bill discount to their customs. Along with the carrying out of the new BaselAgreement in China, the commercial banks attach importance to the management ofthe risks of import bill discount. The management of the risks of import bill discountin commercial banks directly affects the development of the commercial banks.This article’s object is the approval of the amount of the import bill discount. Onthe basis of learning the theory of the management of the credit and loan incommercial banks, this article analysis the current situation of the risk andmanagement of the import bill discount, finding out it has exist some deficiencies inthe approval of the import bill discount, we need do some improvement in this section,and this article come up with several suggestions.This paper is divided into five chapters. The first chapter is an introduction; Thesecond chapter analysis the current theories about the management of the risks of theimport bill discount; The third chapter analysis the management of risks in xxcommercial bank; the fourth chapter analysis the deficiencies existing in the approvalof the import bill discount, and make some suggestions for improvement; Chapter5conclusions and Outlook concludes the paper and put forward the need to payattention to the problem of risk management.By a systematical study of xx commercial bank’s risk management of the importbill discount, finding the deficiencies, and make some suggestions, this articlesupports the development of the bank’s business greatly.