Study On Risk Management Of Bank's Acceptance Bill Business In Jiangsu A Rural Commercial Bank

Bank acceptance bill business can broaden Banks' profit channels,adjust credit scale and improve asset quality,which is favored by more and more Banks.With the rapid development of China's commercial bank business,bank acceptance bill business accumulated a lot of risks in the rapid expansion.In recent years,bill cases in Chinese banking are frequent,and bank acceptance bills tend to gradually evolve into high-risk business.This reflects the lack of risk management of some Banks,there are more weak links.The outbreak of the risk of bank acceptance bill will cause huge losses to commercial Banks,and will also have a great impact on the development of social economy.Therefore,it is of great practical significance to analyze the risks existing in China's commercial Banks' acceptance bill business,to discover and prevent the potential risk cases of bank acceptance bill business,and guarantee the sustainable and healthy operation of Banks.This paper takes the risk management status of Jiangsu A Rural Commercial Bank's bank acceptance bill as the research object,briefly introduces the relevant theories of bank acceptance bill and the risk management theory of commercial bank,and introduces the development of Jiangsu A Rural Commercial Bank's bank acceptance bill and its business.This paper use SWOT analysis method to analyze the status of Jiangsu A Rural Commercial Bank's acceptance bill business,and systematically analyzed the problems existing in the risk management of Jiangsu A Rural Commercial Bank's acceptance bill business.This paper holds that the acceptance bill business of Jiangsu A Rural Commercial Bank has perfect internal control management system and scientific business operation process,and its risk management ability is generally acceptable.However,there are still many problems exposed in the business practice in recent years,which are summarized as credit risk,market risk and operational risk.This article has carried on the thorough analysis to the above risk and its formation reason one by one.Based on the above analysis,this paper proposes countermeasures to improve the risk management level of Jiangsu A Rural Commercial Bank's acceptance bill business,and puts forward targeted improvement measures for different types of risks.By establishing a credit sharing platform,improving credit access,strengthening the skills of employees to enhance the ability to identify risks in advance,By improving internal control,monitoring dynamic risk to control risks,By introducing risk hedging mechanism,adjusting credit list dynamically,setting up the emergency plan remedial methods to form after-action remedy and risk reduction,which provides references for comprehensively improving the risk management ability of Jiangsu A Rural Commercial Bank's acceptance bill business.In order to ensure the effective implementation of the risk management strategy,this article also aimed at the actual situation of Jiangsu A Rural Commercial Bank from rules and regulations guarantee,personnel guarantee and system guarantee for three different dimensions.It has strong theoretical and practical significance for the stable operation goal of Jiangsu A Rural Commercial Bank's acceptance bill business.At the same time,the content,methods and conclusions in this paper can also provide reference for risk management of acceptance bill business of other small and medium-sized banks.