Research On The Optimization Of The Risk System Of The Bill Business Of The Construction Bank Of Inner Mongolia Baotou Branch

Paper is one of the recognized three major currencies in the world,plays a vital role in the financial system,with the continuous development of social and economic democracy and perfect credit system,paper will be more and more sought after by companies and commercial Banks,the national macro policy will give corresponding notes development support,so the paper market development space is huge in the future[1].Can note in the future business development,seize the opportunity,in the sound and rapid development of the key commercial bank risk management ability of a negotiable instrument,because of the risk management ability to decide the bank profitability,and market reputation,so the paper in the commercial bank risk management is particularly important to research and explore[3].In this paper,the construction bank of China,Inner Mongolia baotou branch as the research object,through to the bank from the center since its establishment of historical data and the specific work of the management of risk,the paper analyzes the bank risk management of the business of the existing problems and the cause of the problem.Draw lessons from foreign and domestic risk management theory and practical experience in the field of Banks,combined with the actual situation of China construction bank Inner Mongolia baotou branch,on the bank notes how to carry out the business risk management was studied and discussed.In this paper,using the method of empirical analysis and experience summary,for the China construction bank notes of Inner Mongolia baotou branch business structures,puts forward the ideas and methods of risk system.China construction bank Inner Mongolia baotou branch of the business mainly include acceptance business,bill straight stick,bills turn post business,the electronic bill business and so on,paper business risks mainly can be divided into operation risk,credit risk,liquidity risk and interest rate risk.In this paper,the above four expounds the forms and the causes of risk,to China construction bank notes of Inner Mongolia baotou branch business risk management status was analyzed,and the business risk management system to set up the bank paper puts forward the idea to control operation risk,credit risk,liquidity risk and operational risk specific measures are put forward.