| The bill is a kind of payment tool that carries the commercial credit.In our country,the bill has made rapid development and more important,the participation subject is increasing,and all kinds of innovation emerge However,in recent years,the risk of bills has been continuously exposed,and the bill seems to be the hotbed of the risk cases.As an important participant in the bill business,commercial banks are also facing difficulties and challenges.How to renew the contribution of the bill business to the banks,how to effectively control the risk of the bill business,and achieve three synergies in efficiency,scale and risk?This paper attempts to research the risk control status of CM bank bill business,Referenced at home and abroad the bill risk theory and paper,Based on CM bank bill business problem,started from the risk identification,measurement of various types of risk,analyzed the cause of the problem the diagnosis,and puts forward solutions for the risk prevention and control of CM bank,with a view to commercial bank bill business risk control system reconstruction and provide reference and suggestions.In this paper,using the data and case,risk identification and effective measurement,it shows that operational risk,management risk,capital risk and moral hazard are the main risks in the CM bank bill business.This paper points out that the prevention and control of the risk of bill business is an important part of the comprehensive risk management.This paper argues that the risk control of bill business runs through the entire line of operation.We must rely on the balanced cooperation of multiple lines,and achieve the goal through the establishment of the internal checks and balances mechanism and the setting up of three firewalls.At the same time,bill business risk control plan design should include five aspects:system specification,assessment adjustment,personnel management,process reengineering,supervision. |
