Commercial Bill Risk Prevention Research For LJ Bank

Commercial banks notes financing business started from 1980's,commercial bills started as the initial simple settlement tool,but gradually developed into one of the central means of monetary policy.Commercial bills not only increase financing channels for enterprises,reducing financing costs,but also improve the safety and liquidity of commercial bank assets.In 2009,the People's Bank of China issued the? E-commerce Bill Business Management Approach ?,marking the official e-commerce bill onto the stage of history,compare with the commercial paper bills,e-commerce bills are safer,but paper commercial bills circulating in the market for many years,enterprises and financial institutions have formed a complete distribution channels,that makes electronic commercial bills develop slowly.In recent years,the risk of commercial bank bill businesses continue to highlight,only in 2016,more commercial bills crimes have occurred.In the early 2016,Agricultural Bank of China occurred 3.9 billion yuan commercial bills crime,the same year in April,Bank of Tianjin reverse repurchase commercial bills also occurred crime,involving 786 million yuan.Accelerate electronic paper tickets,increase the supervision of bill market,strengthen the risk management of commercial bills business has become a major task of the new period.It is more important to commercial banks to increase the commercial bills risk management.This article started from the current research situation of domestic and foreign bill market,and briefly introduces the meaning of nouns,business processes,security features and identification methods in commercial bill business.China's commercial bill business has developed rapidly in the past five years,the amount of commercial bills issued,discount,discounted continued growth,increasing year after year,but the commercial bill market discount interest rate fluctuates,continued to decline since 2013.This article analyzes the current situation of risk management of LJ bank's current commercial bill,finds out the problems in LJ bank's commercial bill business risk management.The LJ bank's rules and regulations are not perfect because of its establishment time.Based on the rules and regulations,the risk of the commercial bill business is evaluated,and obtained by analyzing three aspects: the market risk,the operational risk and the credit risk.The risk assessment of LJ bank commercial billbusiness is obtained by quantitative analysis,and give the risk managment suggestions and control measures of LJ bank commercial bill business.Based on the LJ bank commercial bill business risk management analysis and give some suggestions on commercial bill business risk prevention,hope to give useful advice on the healthy and orderly development of China's commercial bill market.