Research On Risk Control Of Bill Business Of M Commercial Bank

In recent years,the business of bills has been developing rapidly,and the total amount of its business has been increasing.The bill business began to become the main business used by enterprises to finance the financing.At the same time,the bill business has become an important channel for commercial banks to earn large profits.But the development of the bill financing business is also accompanied by many problems,such as the vicious competition between banks,the weak bank internal control system and so on.The illegal elements use the loopholes inside and outside of the bank to carry out the crime and cause huge losses to the bank.M commercial bank is a city commercial bank,thanks to the good momentum of development of the bill market,its business scale is expanding year by year,and its risk is also increasing.M commercial bank has always attached great importance to the management of credit risk,but it has not formed a more professional management of operational risk,interest rate risk and liquidity of bill.This article selects the M commercial bank bill business risk management status as the research object,uses the literature reading research method,the case analysis method,the quantitative and the qualitative analysis method,analyzes the M commercial bank bill business present situation and the risk control situation,and asks the M commercial bank bill business risk control question.The analysis and research will be of reference to the risk management of commercial bank's bill business in China.This paper analyzes the policy of bill discounting related documents,and then combines the risk of credit,operation,interest rate and other places in the current bill market,and according to the M commercial bank bill discount business framework,analyzes the risk management status of commercial bank bill business in M commercial bank,the risk management problem of M commercial bank bill business and uses it.The fuzzy comprehensive evaluation method constructs the risk control model of the bill business,establishes the M commercial bank bill business risk assessment system,thus effectively points out the exposed work loopholes and potential risks in the development process of the bank bill business,and then gives the plans and measures for the implementation of a series of risk management and control.