Bank's Acceptance Bill Management

Bank's acceptance bill is a very important part of banking business.Every year,the draft amount of opening the bank's acceptance and discount amount are rising in the whole,and the bank's acceptance bills discount business growth is rising year by year.Also the share of total bank loan business is rising,by the end of 2016,its share has been as high as 5.10%.Bank's acceptance draft has been widely used as a means of payment between enterprises and banks because of its non-causative nature and high liquidity.But from the case of Agricultural Bank of China Beijing branch which happened in 2016 years,cases occur frequently.So many banks have been involved,such as Agricultural Bank of China,ICBC,China Citic Bank and Bank of Tianjin.Reviewing the development history of bank's acceptance bills,big cases occurred frequently.Only since 2006,the amount of big cases has been more than 20 and the amounts ranging from the tens of millions to billions,included the business between banks and enterprises and including business between the banks.This article focuses on internal control,selecting the cases since 2006 to analyze the internal control risk involved.And on the basis of the analysis,this article design business process of the opening,discounting,buying of resold and in-out stock,as well as the process of opening an account fore-bills.And analyze the risk points of each process.At the same time,e-bills gradually replace paper bills and the e-bills market promotion is also busy.But there are still many risks in the transformation process,therefore this article also analyzes the risk in the process of promotion.