Research On The Risk Countermeasures Of Bill Business Of Suzhou N Bank

The bill has become an important currency market tool in China and it is of great significance for improving the efficiency of the money market,enriching the money market instruments,deepening and accelerating the development of the money market.However,at present,the development of China' s bill business is not yet mature,and there are many problems such as imperfect laws and regulations,and asymmetric information among banks.As a result,credit risks,operational risks,legal risks,and market risks are created in the bill business operations.The continuous and healthy development of the bank bill business has caused great obstacles.How to effectively improve the risk management and control capabilities of the comnercial bank bill business has become an important issue for the bill business to support corporate financing and reduce financing costs.Therefore,this paper takes the bill business risk of Suzhou N Bank as the research object,makes a detailed analysis of the bill business of Suzhou N Bank,and obtains relevant optimization suggestions on the bill business risk management of Suzhou N Bank.Firstly,this paper takes the bill market of our country as the breakthrough point,studies the main classification and transaction mode of bill business in our country's bill market,analyses the characteristics of our bill market,and makes a detailed analysis of the related risks faced by our commercial bill business.Subsequently,this paper studies the risk of Suzhou N Bank in the specific banking bill business,and quantifies and analyses the management risk,operational risk,moral risk and policy risk in its business process.Through the analysis of the development status,existing risks and risk management identification and measurement of the bill business of Suzhou N Bank,this paper obtains the relevant optimization opinions and suggestions on the bill business risk management of Suzhou N Bank.This paper believes that risk management in bill business of Suzhou N Bank,it should start from three aspects:business integration,process optimization,management reform and professional training.Firstly,it is necessary to optimize the allocation of responsibilities of process departments to enhance the effectiveness of Business Internal Control Management and the quality and efficiency of business processing.Secondly,from the perspective of management,we should strengthen internal control,strengthen supervision and innovate customer management.Finally,from the perspective of staff development and training,we should pay attention to the construction of staff specialization and professional quality training,strengthen the professional construction of risk management team,and establish professional bill business team.