Research On Optimization Of Risk Management For A Bank Changzhou Branch's Discount Business

After 40 years of development,China's bill market has changed greatly from small to large,from weak to strong.On the one hand,the rapid development of the bill market is reflected in the large scale of transactions,rich business functions and multiple participants;on the other hand,the risk accumulation of the bill market,in recent years,"black swan" events broke out one after another,the number of cases and the amount of money are surprising.Therefore,the regulatory authorities have issued a series of regulatory documents to strengthen the supervision of the market.At the same time,it also severely punishes the organizations and individuals who violate the rules.With the bill market entering a new era of electronic trading,the risk characteristics of bill business have also changed.In such a complex and changeable market environment,commercial banks need to timely summarize lessons,check the existing problems in risk management measures,and learn from excellent management experience,improve the risk management ability of bill business,and avoid repeating the same mistakes.This paper takes the risk management of A Bank Changzhou branch's rediscount business as the research object.According to the situation of A Bank Changzhou branch's rediscount business,it analyzes that A Bank Changzhou Branch mainly faces interest rate risk,operation risk and credit risk in the rediscount business.Based on the above three types of risks,combined with the existing risk management measures of A Bank Changzhou branch's rediscount business,this paper analyzes the problems existing in the risk management of A Bank Changzhou branch's rediscount business and the causes of these problems.Then from five aspects of scientific approval process,improving business timeliness,improving operating system,improving risk control ability and optimizing credit management,the paper puts forward specific risk management optimization measures.A Bank is currently in the period of line reform and system upgrading.This paper can provide a reference for A Bank Changzhou branch to improve the risk management ability of the rediscount business,and help A Bank Changzhou branch to develop more safely and steadily.At the same time,I hope the research results can play a reference role for other commercial banks.