Bills Business Risk Management System Research In Bills Department Of Icbc

In recent years, belongs to the bank of the intermediary business and to optimize the bank instrument assets structure, run a risk dispersedly, to improve the management benefit window has been more and more Banks eventually, rapid development. Bill business in the financial system and the entire economic market, the role of is also becoming increasingly important. However, the high income usually accompanied by high risk, it is not hard to find calendar year, all are instrument cases of national 1st shock. Therefore, how to effectively prevent risks, has become a commercial bank bills business healthy and orderly development of the key.This article selects the icbc bills department bills business risk management as the research object, through its risk prevention present situation inspection, emphatically analyzed the current icbc bills department bills in risk management business, including the problems existing in the management of lay particular stress on credit risk and risk process about the lack of effective risk identification and risk classification management, lack of perfect risk and report system, a risk management technique still lag behind, external risk environmental aspects deficiencies. Harmonic.detailedly icbc bills department bills business operation risk, facing the interest rate risk, credit risk detailed analysis, Finally in an all-round way, the entire journey, common, new risk management principles established icbc bills business risk management system, and the risk management system to implementation countermeasure were further discussion. The author in this paper according to the current Labour in the risk management, the problems that exist in the key work. Do the following established by 13 business scopes, three risk prevention and integrated risk management processes of risk management system, including three risks of preventing the author adopts the standard method and VAR system, basic indicator approach will its quantitative analysis, and then based on 13 bills business process in the specific link introduces daily work to do. The integration of risk management processes to embody the three risk management and organizational strategy, setting specific risk management process, proposed the risk control infrastructure facilities, and build the risk management environment, and gives the implementation countermeasure.