Research On Risk Management Of SD Bank Commercial Bills Business

Since the reform and opening up, China's rapid economic and social development, the country's deepening reform of the financial sector, China's currency market and capital market has changed dramatically, the financial industry has gradually with international standards, has made considerable progress, commercial bill as a tool and financing tool has gained unprecedented development. Especially in recent years, commercial bills of exchange are becoming the important financing tool of enterprises, commercial banks also bring huge profits for the commercial banks of our country. But with the accumulation of these gains, commercial bank commercial bill business brings a variety of risks are also increasingly apparent, all kinds of risk events are also beginning to emerge, these risks not only to commercial banks caused a certain real loss, but also to the future of commercial banks to develop a huge threat. Therefore, in our country's money market is constantly improving, the interest rate market is actively promoting the big background, how to effectively manage and control the risk of commercial bank commercial bill business, to ensure the healthy development of commercial banks increasingly become a need to study the real problem.Firstly, this paper reviews the basic concepts, main features and the development of commercial banks in our country, and analyzes the risks of commercial banks in the business of commercial banks from four aspects:the credit risk, operational risk, interest rate risk and liquidity risk. In the concrete analysis, the author mainly uses the empirical and comparative way to explain these risks in the commercial bill of which link and risk factors, such as the main way of performance. At the same time, the author makes full use of the business experience of the business in the last 7 years, the risk management practice of SD bank commercial bill, and the combination of theory and practice, the paper analyzes the management of credit risk, operational risk, interest rate risk and liquidity risk in SD bank.In view of the current situation of SD bank commercial bill risk management, combined with the actual situation of China's financial market and SD bank's development objective, the author proposes to manage and control the risk of SD bank commercial bill business by adopting new business risk management system, promoting enterprise risk culture concept, and increasing employee training.