Bank Notes Business Risk Control Research

Since the Chinese government worked on reform and opening up,bill market has experienced a process of development from scratch.Bill business is playing an increasingly important role in the economic development of our country.At the macro level,with the increasing development of bill market,it’s really an important way for our country to support the real economy especially for small and micro enterprises;At the micro level,as an important asset of the commercial banks,the healthy development of the bill is conducive for commercial banks to adjust and control the credit scale and improve the efficiency of financial intermediate.Anyway,bill business is expanding the source of profit growth gradually.It’s still an important source of bank business transformation and upgrading.However,in the course of the actual business development.There are many ways to violate the nature of the bill causing many kinds of series of risks.Such as credit risk,compliance risk,operational risk,legal risk and so on;At the same time,with the liberalization of interest rate,bill has been an important asset allocation in the interest rate volatility in the market environment,there is a rise in the cost of capital,the discount yield decline,rediscount trading spreads gradually narrowing the market risk.This article bases the notes of agricultural bank of China about 3.9billion cases,analysis of operational risk and market risk in the operation of the current bill business,the root of the risk is the risk management of banks and the asymmetry of market information.Thus it can be seen,this thesis expounds the concept of the bank acceptance bill business,and analyzes the causes of the risk of Agricultural Bank of China with the information asymmetry theory and risk management theory of modern economics.Finally,according to the results of the case analysis,combining theory and practice,this dissertation puts forward the overall ideas and suggestions on risk management of commercial bank bill business from the banking system of internal and external,in order to provide reference for standardizing the operation of commercial bank bill business.