Study On The Risk And Prevention Of Bank Acceptance Bill Business

There are two kinds of commercial drafts, one is the commercial acceptance, the other is the banker’s acceptance. Banker’s acceptance bill is a kind of credit instrument, which combines commercial credit and bank credit, thus greatly improving the credit degree of the bank.Bank acceptance bills of exchange with strong acceptance, circulation, high flexibility and can save the cost of capital and other characteristics, which are widely used by the enterprise and the banking institutions.Enterprises use bank acceptance bill can ease the financial pressure, improve the financing capacity, optimize the structure of assets and liabilities, especially for some small and medium enterprises, it is a good choice; for the banks can increase the deposit amount, improve the ability of credit, so as to improve the economic benefit and occupied some of bill market in the financial sector.However, with the expansion of the scope of use of bank acceptance bills of exchange, the potential risks are more and more exposed, the problem is also very difficult to deal. Because of the risk of delivery, so to avoid the risk of bank acceptance bills, protect the financial security of enterprises and banks, and promote the healthy development of the bill market, is the problem we need to solve at present.Bank acceptance bill to acceptance by the bank, the risk is mainly borne by the bank. Commercial Banks to reduce the risk of acceptance, it is necessary to strictly control each link, from the enterprise to apply for issuing bank acceptance, to review and later with the approval of the examination and approval, supervision cannot treat STH lightly. Bank acceptance is the most often deal with bank credit business, is the most common methods for a corporate finance, although it is off-balance sheet business relationship but also to the bank’s profit and loss, so the bank managers should pay more attention to the bank acceptance monitoring of business risks, veterinarian, in order to maintain the stability of financial markets.Based on this, this article obtains from the related concepts of bank acceptance bill, and then expounds the status and role in the development of bank acceptance bills, and then from the policy risk, operation risk, credit risk, management risk and legal risk, the risk of bank acceptance bill from five aspects: point, and has carried on the case analysis, their respective finally lead bank acceptance bill business risk prevention measures, so as to promote healthy and stable development of paper market.