Research On Risk Control Strategy Of ZG Bank's Acceptance Bill Business

The development of ZG Bank in recent years is very rapid.As an important intermediary business of ZG Bank,the acceptance bill business has been increasing in recent years,which also puts forward new requirements for the risk management and control of ZG Bank's acceptance bill business.Based on the above background,how to effectively control the risk of acceptance bill business in the fierce market competition and the transformation of banking business model is an important issue that needs to be paid attention by ZG bank managers.This paper will summarize the risks of ZG Bank's acceptance of draft business at the present stage,analyze the reasons for the risks of ZG Bank's acceptance of draft business,put forward the countermeasures and suggestions for risk control of ZG Bank's acceptance of draft business,and strive to control the business style of ZG Bank's acceptance of draft.Insurance will help ZG Bank to improve its comprehensive development level.This paper combines the risk of ZG bank acceptance of bills of exchange business,analyses the causes of the risk of ZG bank acceptance of bills of exchange business,and puts forward the countermeasures and suggestions of risk control of ZG bank acceptance of bills of exchange business combined with the development goal of ZG bank acceptance of bills of exchange business.In this way,the credit structure of ZG Bank can be further optimized,the efficiency of asset allocation can be improved,and ZG Bank can ensure the market competitiveness of acceptance bill business by means of scientific risk control system,which will support the scientific construction of acceptance bill business system of ZG Bank.Therefore,this study can improve the comprehensive competitiveness of ZG Bank's acceptance of bills of exchange business,but also optimize the scope of service,as a new profit growth point of ZG Bank,further to form effective support for settlement business and deposit and loan business.The first part of this paper is an introduction,which mainly introduces the research background and significance of ZG Bank's acceptance bill business risk control,summarizes the research status of domestic and foreign experts and scholars on the acceptance bill business risk control;the second part summarizes the concept of acceptance bill business and the importance of its development,and at the same time based on risk management.The theory and information asymmetry theory form an effective support for the research theory of this paper,which provides a theoretical basis for the research model of combining theory with practice.The third part is to analyze the actual situation of the development of ZG bank acceptance bill business,to identify the potential risks of ZG bank acceptance bill business at this stage,and through case studies.This paper introduces the risks of ZG bank acceptance of bills of exchange.The fourth part analyses the causes of the risks of ZG bank acceptance of bills of exchange from the aspects of internal control,management process and staff quality,and finds that there are many reasons for the risks of ZG bank acceptance of bills of exchange at this stage.The fifth part puts forward ZG bank for the risks and causes.The sixth part is the conclusion of this paper,which summarizes the research content of this paper,and puts forward the direction of future risk control activities of acceptance bill business.