Risk Analysis And Management Countermeasures Of Commercial Banks In Underwriting Business Of Debt Financing Instruments

Response to the call of State Council to develop the Chinese capital market and further active monetary market, numerous corporate debt financing instruments have been introduced. The debt financing instruments broads the financing channels for enterprises. It helps the enterprises to adjust the financing structure and increase the proportion of direct financing. The advent of such financial products eases the financing difficulties of small and medium enterprises to a certain extent. In order to adapt to the changes in the market, the commercial banks are trying to change the business model. They are making great efforts to carry out the underwriting business of debt financing instruments. This is conducive to commercial banks to increase intermediate business income. Commercial banks also compete for high-quality customer resources through debt financing instruments underwriting business. In the underwriting business, if commercial banks can’t do effective risk control, risk will cause serious losses to the commercial bank. Therefore, the research of debt financing instruments underwriting risk control on the development of commercial banks has a very strong practical significance.This paper combines macro and micro research methods and also theory and practice. Through the analysis of the background and significance of the study, it is concluded that the in-depth study on the risk control of the underwriting of debt financing instruments will have a very important theoretical value and practical significance. Next, the paper describes the debt financing instruments underwriting business risk literature review and related theoretical basis. And then it in-depth analyses the current underwriting business potential risk points. It analyses the causes of debt financing instruments underwriting business risk from two aspects of the external factors and internal factors. In view of the external factors and internal factors, this paper puts forward various control measures. Finally in the conclusion part, the current commercial banks in the underwriting of the problem can’t be solved with the research and prospects, and make a conclusion of this paper.It is not a simple problem can be completed in a short time that solves the problem of commercial banks in the development of debt financing instruments in the underwriting business risk control. This requires different areas and different sectors of mutual cooperation, common run in, and jointly promote. We should fully consider the factors such as relevant system and the market mechanism and actively and steadily improve the risk management of commercial banks underwriting business.