Risk And Countermeasures Of China's Commercial Banking Bill Business To Explore

Along with our country economy to be fast develops with steady steps, The bill service obtains enterprise's favour by its cost inexpensive, the procedure is simple, handles quickly and so on the characteristic. In which primarily leads after the commercial bank the market main body positively impels, the percentage of bill financing in credit property occupying enhanced rapidly. With bill service rapid development, the bill risk also unceasingly increases. In April 18, 2006 the banking supervising committee sends "the Chinese Banking supervising committee Urgent Notice about Bill Service Risk Prompt ". The notice pointed out four state-owned commercial banks discovered bill case 11 from July, 2005 to March, 2006 of the amount 750 million Yuan and causes risk credit 410 million Yuan. The bill cases include agricultural bank 3, Bank of China 3,construction bank 5.The amount of case exceeding 10 million Yuan reach 6 . These cases bring enormous negative influence for China banking industry. Moreover, it brings the negative influence for the bill service normal development in nation various bank. How effectively guards against the bill risk, maintains the financial organ the normal management order, promotes our bill service standard development became urgent important issue. Therefore, this article will quote several typical bills cases which occurred recently several years in our country. In view of in handles in the bill service to be easy to have the problem the bill to lead with the storage, accepts, discount and payment, the article carries on the thorough analysis and then draws out the blind development of bill service, bill market legislative work backwardness and so on in internal and external reasons. In proposed speeds up the bill market construction, the consummation correlation law system, strengthens the society credit system construction, strengthens the supervising and Internal control system construction. Use the modern science and technology method to Strengthens bill management and establishes bill risk joint defense network and so on guard measure and suggestion. Finally we want to find a practical feasible way to guarantee our bill service development.In brief, with the bank experiences of 10 years and related financial theory knowledge which studied in MBA, I analysis the bill risk and propose the corresponding guard measure. The goal is to find a way of bill risk guard. Also it is an examination and the enhancement to me with the knowledge studied in MBA stage .In view of the lack of knowledge, I believe there are some mistakes in the article .I will appreciate that the experts giving some suggestions. And I will try my best to enrich myself and sharpen analysis ability in the future.