Research On Risk Prevention Of Electronic Bank Acceptance Bills In Commercial Bank

Bills are an important channel to solve the problem of corporate financing difficulties.The bank acceptance bills have a unique advantage to solve the problem of corporate financing difficulties in China and has a significant role in promoting economic development.The bill business is an important part of the banking business,and the bill market occupies a considerable part of the currency and capital markets.With the increase in the demand for corporate funds,and taking into account the characteristics of high yield and liquidity of bills,major domestic banks are paying more and more attention to the development of bill business,and the proportion of revenue brought by bills has also increased year by year.However,in recent years,the number of participants in the bill market has increased,paper tickets have gradually been replaced by electronic tickets,competition has become increasingly fierce,and arbitrage behavior has also increased to induce various risks.In this situation,how to promote the development of bill business more securely has become a major issue for banks.Recent cases of electronic commercial bills of exchange are frequent,and the main body of the cases are related to banks.Then what are the causes of electronic commercial bills of risk and how can commercial banks prevent and control the risks of electronic commercial bills of exchange,which attracts us.This article selects the case of being accepted as an electronic commercial bill of exchange,using a case study to understand the causes of the risk of electronic commercial bills of exchange,and how banks can prevent the risks of electronic commercial bills of exchange.Analyze the risks of electronic commercial bills mainly from the perspective of commercial banks.After making a relevant overview of commercial electronic bills of commercial banks,the paper introduces the general situation of the bill business of the bank involved and the case history,and then analyzes the access of electronic commercial bills agents to access.the reason.At the same time,in combination with the case of China Travel Service CO.,Ltd,Jiaozuo being faked and accepted an electronic commercial bill of exchange,an in-depth analysis of the commercial bank's electronic commercial billing agency access risk was found,and the problem was found between the correspondent bank and the correspondent bank.In addition,the bill business process involved in the case was analyzed,and it was found that the bank did not notice that there was a false trade relationship between the enterprises during the ticketing process,and that the bank had assumed interest rate risk during the reposting process.To risk warnings,and co-operation with bill intermediaries for violations.Aiming at the problems and reasons of the paper business risk management of China Travel Service CO.,Ltd,Jiaozuo and Industrial and Commercial Bank of China,this paper proposes the bank's optimization measures to strengthen the risk management of electronic commercial bills,and proposes specific improvement measures for the operation of various links of the paper business.Commercial drafts agency business processes;secondly,to strengthen the internal management of banks and improve their internal control mechanisms;secondly,to establish a quantitative risk management system for bank bills business;finally,to regulate the cooperation between banks and bill intermediaries to prevent electronic commercial bills risks in various aspects.