| Along with our country economy develops with steady steps, the bill service obtains enterprise's favor by its cost inexpensive, the procedure is simple, handles quickly and so on the characteristic. Now, the bill market has also been considerable development, and gradually become an important part of the financial markets. However, after the rapid growth, there are many issues of the commercial banks bill market have been revealed. Because the bill service could increase the enterprise deposits,grow banks capital strength and stable high-quality customers, as well as its few restrictions, commercial banks competing to offer, some even offer bank acceptance and bill discounting business illegally. That makes the relatively low risk business gradually enlarge its risk. Especially in the years the bills crime have occurred frequently. Most of these cases have characteristic of a mint of money,a variety of modus operandi,crime span expansion,collusion, or gang crime and so on. These cases not only bring the community and the banking industry a negative impact, but also warn the commercial bank to control the risk of bills.This article researches the risk control of bills in Chinese commercial Bank in this background. It uses the experience of home and abroad academic and summarizes the research situation in the first chapter. The second chapter of the paper introduces the concept of bills to make sure the readers understand. It discusses China's commercial banks bill service's development and risk control systematically in chapter three. The forth chapter citing three cases about bill crime and analyzes them. The next chapter establishes the bills risk control system for the situation of China's commercial banks. It also raised several recommendations on controlling the commercial banks bill risk, such as improving the legal system, enhancing the external environment of bills and internal control system, implementing of e-paper and so on. It is helpful to improve the capability of risk control. |
