The Case Analysis Of The Risk Management Of Bank A's Bill Business

The bill as an important part of monetary market,with the payment and settlement function,it conveys the deepening credit,investing and trading function.At the same time,the bill is playing an increasing important role in improving the structure of assets and liabilities of commercial banks,innovating the financing channels of the small and medium-sized enterprises,reducing the financing costs of enterprises and supporting the development of the real economy.In recent years,the bill market develops very fast,the transaction scale expands unceasingly at the same time.For example,acceptance amount,bill acceptance balance,cumulative discounted amount of financial institutions and the discount balance are all increasing abundantly.However,affected by macro-economy,financial market and all types of institutions who participate in the bill market,a lot of unexpected things constantly happened in bill business of commercial banks except for all kinds of risks.In recent years,there have been many cases of bank bills in the bill market,with a huge amount of money.As a rapidly-growing commercial bank in recent years,the development of bank A's bill business is reasonably representative,but the bill risk events are common at the same time.This paper takes the bill risk cases of bank A as the research object.Through the introduction of its typical bill cases,study the causes of bill risk from external and internal aspects respectively.It is found that there are various kinds of risks such as operational risk,credit risk,compliance risk and market risk in the process of bank A's bill business.On one hand,because the scale of the bill market expands rapidly in China,the bill business is becoming more and more competitive,unscrupulous intermediaries participate in the market and credit system is imperfect.On the other hand,because bank A is radical in its own operations,internal management is weak,business personnel are lack of awareness of risk prevention and bank A ignores regulatory requirements of relevant departments.Finally,in view of the risk exposed and the causes of risk,the corresponding countermeasures and suggestions are provided.Measures can be taken from the following five aspects to guard against the business risks of bills.Firstly,commercial banks should adhere to the concept of prudent management,enhance the awareness of overall risk and raise the level of internal control.Secondly,strengthen the training of bank employees,including vocational ability training and risk awareness training.Thirdly,the formal establishment of Shanghai Bill Exchange has a greatinfluence on the development of commercial bank bill business,banks should adapt to the pattern of the cleaning house and new market rules as soon as possible.Fourthly,standardize the management of bill intermediary to guarantee the stability of bill market.Fifthly,establish a good credit environment of bill market and it can promote the healthy development of bill business.This paper not only analyzes the risk problems in the process of bill business of bank A and the causes of them,but also makes a beneficial exploration on the risk management research of commercial bank bill business.This paper provides a useful reference for the prevention of bill risk and can promote the secure and healthy development of bill business.In addition,the conclusions of the study can also provide some reference for the work of relevant departments.