Research On Credit Risk Control Of Bank Acceptance Draft Of A Finance Company

With the continuous development and expansion of bank acceptance bill business in China in recent years,its development form,scale,quantity and business variety have developed rapidly.It has been used by more and more banks and enterprises.It has become an important means of payment and financing.However,business has two sides.While it becomes a circulation tool,it also brings some risks,especially in the case of bank acceptance bill.It is reflected in the risk of credit.At present,many studies on credit risk control of bank acceptance bills are written from the perspective of commercial banks.For another new type of financial institution at the end of 1980's,enterprise group finance company,although its development scale is growing,it also carries out bank acceptance bills business accordingly,and studies how to control the credit risk of bank acceptance bills.Few literatures have been published.From the standpoint of financial company,a special non-bank financial institution,this paper analyses the credit risks it may encounter in bank acceptance of bills of exchange,analyses the causes and manifestations of these risks,and puts forward concrete examples-the current development situation,credit risks and their causes of bank acceptance of bills of exchange business of Group A Finance Company,and from the perspective of organization.In the aspects of guarantee,system guarantee and credit risk factor management,the improvement schemes are put forward respectively for reference by other financial companies.