A Case Study Of Risk Prevention And Control On Bills In Chinese Commercial Bank

With the rapid development of China’s economy in recent years,the support of the financial system is also synergistic.As a short-term financial instrument of money market,it plays an important function of short-term capital financ ing.The development of bill business plays an important role in satisfying the financing needs of small and medium-sized enterprises and promoting the real economy.It is the inportant way to perfect the financial market in China and to broaden the profit growth space for banks.At the beginning of our country bill market had small size,lack of variety and market entity,through continuous development,has produced great changes.The size of the business acceptance of bills,the amount of discount and the trading volume increased rapidly.The entities of the transaction present a diversified pattern of banks,brokers,funds,insurance,trusts and so on.However,the bill business has developed rapidly,at the same time,it also exposed the risk and seriously affecting the normal function of the bill.It is urgent to analyze and summarize the development situat ion and problems of bill business,identify dangers and explore measures to prevent risks.In recent years,bill fraud cases occured frequently,which is inextricably linked to the problem of banking bills business.This paper summarizes the current situation of these types of risks,and finds out that the problems are mainly manifested in these aspects: the credit risk caused by the imperfect credit system,the compliance risks caused by the imperfection of the internal control mechanism of commercial banks,the market risk caused by interest rate volatility,and the operational risk of the Internet financial model.The paper combines with the bill cases rencently,analyzes the causes of risk and the operation of each case,and identifies the risks involved in the traditional paper,the electronic bills and emerging business.It aimed to explore how to prevent and control the risk of bill business under the current economic situation and the Internet boom through the typical cases of revelat ion from the aspects of optimizing the credit environment of the bill market,constructing the perfect internal control system of commercial banks and standardizing the Internet bills platform.