The Risk Of Bill Business Of Commercial Banks And The Countermeasures

Since twenty-first Century,bill business has the rapid development,the scale is expending and the business innovation is increased,those has become a very important part of the currency market.Bill business has the function of settlement and financing,high liquidity and stable income,and it is an important settlement tool between banks and banks and between banks and enterprises.However,due to the lack of regulatory concepts and systems,the development of the bill business has accumulated a considerable risk.Especially in recent years,there are many discount and transfer discount risk cases in the commercial bank paper Market,and the amount of risk is so big,and has seriously affected the development of the market economy.In this paper,under the background of the rapid development of the bill business and the frequent risk,based on the disclosure cases of public information,the paper summarizes the risks of bill business under the new situation,makes a deep study on the mode of illegal operation of discount and rediscount business,then puts forward some countermeasures.The article is divided into the following parts: the first part is the introduction,which mainly introduces the background and significance of this paper,and the literature review.Literature review is mainly based on four aspects,namely,the causes of risk,the risk of discount,the risk of discount and the trend of development.The second part mainly introduces the current situation of the development of the commercial bank bill business.The third part is the focus of this paper.First,it summarizes the risk of the bill business under the new situation,and then analyzes and sums up the illegal operation mode of the commercial bank discount and rediscount market in detail,lists some case to analyse.In the fourth part,the author puts forward some countermeasures from the following three aspects:macro supervision,the bank itself and the bill intermediary.Finally,In the end,summarize the paper and give some prospects.The purpose of this article is to give some help to the ability of risk response and risk governance of discount and transfer discount business of commercial bank bills market.Establishing and improving the internal control system of commercial banks as soon as possible,strengthen external supervision,and severely crack down on irregularities of commercial bank bills discount and transfer discount business,Creating a healthy business environment for bills business.