A Commercial Bank Bill Business Operation Risk Management Research

In recent years,commercial bills was used more and more frequently in the settlement and payment of a large number of applications,so bill business of commericial banks presents a trend of continuous expansion.But at the same time,the rapid expansion of the bill business also accumulate much risk,especially the operational risk.In recent years,many legal cases occoured in bill business of commericial banks in China,involving hundreds of billion legal cases,bill business have gradually trend to be a high risk business,reflecting some banks pay little attention to operational risk of bill business,and there are many weaknesses in the management of operational risk of bill business.Therefore,it's very important to analysis the operational risk management of commercial banks' bill business,to find the existing problems and put forward the optimization scheme,to prevent the occurrence of legal cases and guarantee sustainable and healthy operation of today's commercial banks.This paper takes the operational risk of A bank bill business as the research object,summarizes the theory related of commercial bank risk management and bill business,analysises the main operational risk of A bank bill business,and introduces the current situation of operational risk management of A bank bill business,uses the SWOT analysis methods to study the A bank's current operational risk management system.This paper argues that the current risk management of A bank bill business has a good system,the business was developed and there are many other advantages,the risk management is generally effective.But there are still many deficiencies in the specific implementation.With SWOT analysis,we conclude that the main problems of operational risk management of bill business of A bank risk management including the organizational structure of risk management system is not reasonable,the implementation of bill business procedure is not in place,business personnel quality needs to be improved,quantification skill of the operational risk still falls behind,and so on.In order to enhance the risk management of bill business,this paper analyzes the causes of the problems existing in the current A bank bill business risk management deeply,mainly from the cultural construction aspect,A bank staff's moral quality,assessment incentive orientation,relevant legal construction and so on.This paper puts forward some measures for strengthening the risk management of A bank,to improve the operational risk management level of commercial bank bills business.In addition,according to the physical truth,this paper argues that the smooth implementation of the operation risk management optimization scheme needs some security measures,including strengthen the education of staff,strengthen the construction of compliance culture,by improving the staff's awareness of risk,fundamentally reduce the operational risk of the bill business.