Research On The Bill Business Risk Management Of JS Bank Anhui Branch

Commercial paper is a negotiable instrument that can be circulated freely in the market, issued by the drawer, and promised to be paid unconditionally by the principal or a third party on the maturity date of the instrument. As a non-direct payment settlement method, as a commercial bank, the bill business that can expand their scale of business both inside and outside the table, adjust their capital structure, but also to explore high-quality settlement financing customers, enhance customer stickiness, Benign development. Unlike commercial acceptance bills, which are mainly in circulation in the developed countries' market, commercial bank bills are mainly bank acceptance bills. Therefore, the "notes" in this paper are bank acceptance bills. Due to the late opening of China's bill market, the uneven market participants and the imperfect laws and regulations and industry self-regulatory provisions, and the bank's lack of knowledge about the nature and business risks of the notes, the risk of the bill business exposed. In recent years, with the gradual enrichment of bill instruments and the continuous promotion of interest rate marketization, the risk types of commercial bank bill business from traditional credit risk to new operational risk, market risk and legal risk spread, how to identify and manage the business risk Become the subject that bank manager must face seriously, which is the significance of this paper.In this paper, normative research method and case study method were used to study. First of all, using the normative research method to sort out the relevant literature of domestic and foreign bill research, summarize the theory of risk of modern commercial banks and explain the development of China's paper market, select JS Bank Anhui Branch of the bill business data (2013-2016) There are four main types of risk:credit risk, operational risk, market risk and legal risk. Then the case study method is used to identify the risk of the typical bill risk case of JS Bank Anhui Branch, and to analyze the causes of all kinds of risks in the bank bill business and give the risk management strategy from the perspective of system construction, team training, standard management and data innovation. JS Bank Anhui Branch of the development of standardized notes business, risk management has a strong practical significance to meet the bank business management objectives, to enhance of market competitiveness of JS bank Anhui Branch. In addition, the conclusion maybe provide a little of references for the risk management of other commercial bank bills business.This article is divided into five chapters to JS bank anhui branch paper discusses business risk management:the first chapter elaborated the research background, research significance and the research content, proposes the research innovation point; The second chapter introduces paper research status at home and abroad, and elaborated the basic classification of the paper and main theory of modern commercial bank risk management. The third chapter reviews development paper market in China, introduce JS bank anhui branch kinds and features of various types of paper combining business data analysis nearly three years the bank notes, business development present situation; The fourth chapter summarizes JS bank anhui branch representative bill business risk, and through the specific case in this paper, the formation of various types of risk theory, realize the complex business background of risk after the essence; The fifth chapter mainly discusses JS bank bills business risk management idea and method of anhui branch.