Risk Management Research On Bill Business In ICBC,Hunan Province

In recent years, belongs to the bank assets business of bill business, in order to optimize the bank assets structure, run a risk dispersedly, improve the bank management benefit window has been more and more Banks chase after hold in both hands, the rapid development. Bill business in the financial system and even the entire economy, the role of the market is becoming more and more important. However, high yield often with high risk, it is not difficult to find that the bill case, everyone is shocked the national major. Therefore, how to effectively prevent risks, has become a commercial bank notes business the healthy and orderly development of the key. Research instrument risk problem, carding bill risk form, the present developing bill business and commerce of hunan province for Banks, can rise to alert, supervisory role, to have the certain reference value and practical significance.Using the combination of theory and empirical research methods, from the relevant financial theory to our country commercial bank bill business risk management this particular problems in theoretical analysis and summary of at the same time, through the concrete data, case to empirical investigation. The paper chooses commercial bank of hunan province as the research object, its bill business development and the existing risk management problems were analyzed, and pointed out that the operational risk, credit risk and interest rate risk in detail problem; Then, put forward the risk management optimization scheme, from risk management principle, instrument business save tube mode optimization, risk internal control system construction and three kinds of risk prevention strategies are studied; Finally, the article puts forward the risk management of the implementation of the safeguard measures, and points out that commercial bank of hunan province should take the perfect risk management system, optimize the human resources management, carry out special risk inspection work, establish the risk loss database, innovation bill products and strengthen cultural construction, security measures.Through the research, the article thinks that the commercial bank of hunan province in bill business risk management has made great development, but there are still many problems, should from the process, system optimization, according to all kinds of risk to take concrete measures to ensure that the bank bill business risk in the controllable range.