Research On Risk Management Optimization Of Bill Pool Business Of G Bank Suzhou Branch

In recent years,with the rapid development of China's bill market and the continuous improvement of infrastructure,bill business plays an increasingly active role in market economy and has become an important service project and profit source for domestic commercial Banks.With the progress of Internet technology,bill pool business,as an innovative product of bill business,has gradually become a new trend of bill business development.G bank,as one of the large state-owned commercial banks,the business products design and perfect bill pool has been one of the leading enterprises in the domestic trade,its products can realize the bill financing business application,contract signing and withdrawal reimbursement of network,greatly enhance the market competitiveness of the bank instrument business,but also there are a lot of rapid expansion of our business risk management issues.Especially since 2016,the bill business has shown a trend of frequent,frequent and unexpected risk events,and the grey area of the bill industry is gradually exposed.Therefore,how to effectively improve the risk management level of bill business has become the subject that commercial banks need to study to maintain the steady development of bill business.Taking the risk management of bill pool business of G bank suzhou branch as the research object,in the course of the research,we introduce the research background,research methods and research value of the topic comprehensively.We take G bank suzhou branch as the main research object,summarize its development history,and improve the risk pressure we bear,development status,current risk management system and existing problems.Then,the risk factors of this business are identified and concluded from the five aspects of compliance,operation,ethics,credit and market,and the risk causes are analyzed comprehensively in combination with the risk management problems.Finally,on the basis of the analysis of the causes of risk,the thesis designed an optimized plan for the risk management of note pool business of G bank suzhou branch from five aspects,including internal control mechanism,credit system mechanism,information transmission mechanism,team building mechanism and market operation mechanism.This thesis hopes to make a comprehensive analysis on the risk management of bill pool business of G bank suzhou branch,and then put forward feasible optimization plan,which can be used as a reference for the optimization of bill business risk management measures of G bank and even other commercial banks.