Research On Risk Prevention And Control Of Bank Z's Bill Business

Bank notes is virtual,not direct payment and settlement way,because this way the liquidity is strong,quick turnaround,but also has high yield,widely favored by market,occupies a more and more important status in the entire banking industry.As an important part of the credit business of China's commercial Banks,the bill business has the advantages of strong security,liquidity and profitability.But with the development of city commercial Banks all business,state-owned major lines of business from pressure,the more obvious of the joint-stock Banks,city firms due to relatively flexible development forms,city commercial Banks in the process of competition price advantage is more obvious.In the face of such situation,the state-owned big line of its own thought a lot of ways,in terms of service for small and medium enterprises has obtained certain result,but at the same time,because of the large state-owned has also a certain deficiencies in risk control,in the development of bank acceptance bill business has exposed some risks.Case analysis method is adopted in this paper,in combination with Z some notes in the past two years in the business case,risk from the perspective of bank notes risk:credit risk,operational risk,market risk,analysis of such risks existing in the bank ticket business,and has carried on the reason analysis,finally from the system consummation,the process of transformation,training of personnel quality,perfect mechanism of the risk response measures,the state-owned big advances some Suggestions on how to identify risks and risk prevention,the hope can give commercial Banks as a reference in the development of the paper.