Research On Bill Business Operation Risk Management In EGF Bank Jinan Branch

In recent years as the country round of another round of adjustment of monetary policy,currency market is becoming more and more prominent in the regulating function of the economy as a whole.Bank bill will help countries quickly transmitting monetary policy adjustment.It is advantageous to the commercial Banks flexible quickly adjust the scale of bank credit and asset structure,and helpful for enterprises to broaden the financing channels and payment.Therefore,no matter from the aspects of national economy,banking business or enterprise development bank bill plays a crucial role.But the current market has uncertain external environment,imperfect relevant laws and regulations,forming good social credit system,the prohibition of irrational competition,commercial banks are difficult to obtain real strength and financing amount practical use and other important information.So the bank acceptance operation risk is coming and bring loss to the bank,and the management and control of bill business operation risk has important significance.Based on EGF Bank Jinan Branch as an example,through case studies and standardize the way of combining qualitative research and quantitative analysis it is concluded that the internal control system and business operation risk prevention is not sound in the Branch,bills business people set and scientific and technological means are not inadequate,the operational risk management consciousness is poorer,the business operations after the measures of the risk management system and correction system is not sound,and so on.For these lacks we propose to perfect the beforehand management of operation risk management mechanism,to improve the operational risk event management mechanism,and to perfect for specific risk management measures in three aspects.So we can do the balance of business development and operational risk management.The conclusions in the paper may be a good reference for EGF Bank Jinan Branch and other commercial banks.