The Research On Development Of The Bank Acceptance Business Of Harbin Bank

Financial industry is in the period of transformation and development of a new business in our country at present.The Bank Acceptance business has become a market economy in our country an important payment and settlement tools since the popularization and application.The Bank acceptance business can make bank to optimize asset allocation,increase profits,and help enterprises to expand the financing channels,reduce the financing cost,can effectively support the development of local economy,and build a good foundation for China's paper market mature.Through the studies of the related literatures about the Bank Acceptance business at home and abroad,this article analyses and compares the Bank Acceptance business types in China,to review the development process of the Bank Acceptance business,and uses relevant theoretical basis for the systemic research.This article studies the actual development of the Bank Acceptance business of Harbin Bank in the present situation which is analyzed in detail in recent years,and further defines the Harbin bank to carry out the problems existing in the Bank Acceptance business including the low functional organization efficiency,the insufficient business risk control,the imperfect information process,the inaccurate target customer orientation,the difficulty of performing the relevant policies and regulations.Aiming at the problems of the Bank Acceptance business of Harbin bank existing in the development,this article puts forward the corresponding countermeasures.Including: construct a professional business team,strengthen the business risk prevention and control,optimize the business process,make a different marketing strategy,break through the relevant policies and regulations limit,etc.From the perspective of development strategy,the suggestions promoting are the authorized low risk business permissions,the Bank Acceptance draft spin-off,the combination of business and financial products,the flexible adjustment of deposit ratio,the electronic bank acceptance business,the set-up of paper pool in the range of Harbin Bank,and the buyer service portfolio bill discount,which are the business innovation models.This paper,by combining theory and practice,as well as to the readers,clearly expounded the development situation of the Bank Acceptance business of Harbin bank,which is facing the problems and defects,points out the development prospect and development suggestions,which has certain reference meaning to it.