The Research On Risk Management Of Commerical Bank’s Bill Business

In recent years,the pace of reform and development of Bill Business in all major commercial banks is accelerating.In addition to the conventional acceptance business,direct business,transfer discount business and rediscount business,various innovative billing business derivatives and internet bills business have emerged in response to the dynamic environment.The Bill Business plays a significant role in promoting the economic development of our country.On the one hand,it provides enterprises with financing facilities and increases the support for the real economy.On the other hand,it can be used to regulate the bank credit scale and bank financing,to enhance efficiency and to increase the profits.The Bill Market is rapidly developing;however,many risks are hidden.It has lurched from crisis to crisis and major cases have been attacked Bill Market frequently.This paper provides a theoretical model about the Bill Business with regard to the possible risk factors in the process of operating the Bill Business in commercial banks.The model involves credit risks,operational risks,market risks,legal risks,moral risks,policy risks and some other main risk factors.This paper rely on the case studies to demonstrate the corresponding risks as well as the cause of formation based on the theoretical model.In addition,it provides the theoretical basis of risk management of Bill Business for commercial banks.Meanwhile,by incorporating the practical comparison of current bill policy,I provide some ideas about risk management and business development.