The Study On The Risk Control Of Bank Acceptance Business In M Rural Credit Cooperative

In recent years,to develop the business market and strengthen their own power and expend their own business scale and deal with the other state-owned and joint-stock commercial bank's competition,China's local banks actively explore the potential from paper market and look for business opportunities in the bank acceptance with low risk and high profit and financing ability.The bank acceptance bill business has been rapid development.The earning of the acceptance and discounting have been largely improved,and the other business of commercial bank also gets great development,and the commercial bank wins business customers and the economic benefits in some extent.However,as the continuous expansions of the paper business,the major and important paper cases related to bank acceptance bills occur frequently.The commercial bank faces the increasing pressure of risk prevention and control in bank paper business.As a non-banking institution servicing to agriculture,Rural Credit Cooperative's service objects mainly are the small and medium-sized enterprises in town and agriculture,and the measures and experience of risk prevention and control is less than the state-owned commercial bank and joint-stock banks.The bank acceptance business of Rural Credit Cooperative faces great pressure of risk prevention and control.Thus,it is an urgent issue for Rural Credit Cooperative to explore a risk-aversion method protecting the security of capital and promoting the standard operation and healthy development of the paper business.This article takes the M Rural Credit Cooperative,which is belonged to the H Rural Credit Cooperative Association,as a research object,and aims to study its policy of risk prevention and control for bank acceptance business.Firstly,on the basis of introducing some knowledge relating to banking acceptance business,this article analysizes its risk source from the draft procedure of the bank acceptance bill.Then,through the analysis on the present situation of the bank business in M Rural Credit Cooperative and on the basis of actual examples,this article investigates the main risk of bank acceptance business and explores the main causes of risk for M Rural Credit Cooperative.Finally,based on the above analysis and combined with the character of Rural Credit Cooperative,this paper puts forward some countermeasures and suggestions for preventing the risks of bank acceptance business from two aspects of external environment and internal business operation sector of M Rural Credit Cooperative.Based on actual enterprise as the object,this paper studies the risk prevention and control of bank acceptance bill business in Rural Credit Cooperative,and puts forward some countermeasures for risk control.This study is helpful to the healthy development of the commercial banks and other financial companies certainly.Thus,it has good practical significance.At the same time,this article also provides some reference for the risk control theory,and so has certain theoretical significance.