Study On Risk Management For The Acceptance Bill Of C Commercial Bank

With the introduction of "negotiable instrument law" in China in 1995,the development of the financial industry in our country has been in a steady rising trend.For nearly a decade,with the continuous growth of China’s economy,more and more the demand of entrepreneurs through fund-raising financing to bank loans rises rapidly,and some of the short-term bank loans can through a clearing business to achieve owing on the loan.Bank acceptance bill plays an extremely important role in the development of the financial industry.It can not only help banks to the rational allocation of their asset allocation,accelerate the speed of the flow of bank capital stock,improve the economic income of the bank,but also provide sufficient funds for the development of enterprises.It becomes the objective that many banks and entrepreneurs sought after.With the expand and application of the bank acceptance bill business,more and more entrepreneurs suffer from the draft business,especially under the decline in the economic and increasing financing difficulties,to make the criminals have the opportunity.This hinders the normal development of bank acceptance business seriously and causes the irreparable economic losses.Therefore,it is of great significance to analyze the risk of bank acceptance by studying the business process of bank acceptance.First,this paper analyzed the related concepts,characteristics and transfer process of bank acceptance bills and deeply studied the risk types of the bank acceptance bill business in the process of development.This paper took the acceptance bill as the research object,the C commercial bank as the research subject,and pointed out the problems existing in the risk and management of the C commercial bank in the acceptance draft business.Drawing on the experience of other bank acceptance bills,this paper constructed the risk management mechanism of C commercial bank,and put forward the countermeasures and suggestions for the specific problems existing in the current C commercial bank acceptance drafts.