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1、畢業(yè)論文畢業(yè)論文題目:招商銀行商業(yè)匯票貼現(xiàn)業(yè)務(wù)操作流程及風(fēng)險(xiǎn)控制姓名：吳淑娟班級(jí)：會(huì)計(jì)091學(xué)號(hào)：11號(hào)指導(dǎo)老師：賴妍老師完成時(shí)間：2013年05月25日招商銀行商業(yè)匯票貼現(xiàn)業(yè)務(wù)操作流程及風(fēng)險(xiǎn)控制摘要隨著我國(guó)市場(chǎng)經(jīng)濟(jì)體制的完善，票據(jù)業(yè)務(wù)已成為市場(chǎng)主體交易的重要結(jié)算工具，票據(jù)貼現(xiàn)也發(fā)展成為商業(yè)銀行信貸業(yè)務(wù)的重耍組成部分。商業(yè)匯票業(yè)務(wù)的迅速發(fā)展，使得銀行承兌匯票的案件口益增加，發(fā)案率及金額也在逐年上升，更有一些商業(yè)銀行為了增加存款金額、增加銀行的資金實(shí)力過(guò)度放寬承兌的條件，大量尋找異地貼現(xiàn)票源，放松其對(duì)票據(jù)真實(shí)性的審查，
2、使得風(fēng)險(xiǎn)相對(duì)較低的業(yè)務(wù)風(fēng)險(xiǎn)逐漸擴(kuò)大，票據(jù)業(yè)務(wù)呈現(xiàn)過(guò)度、無(wú)序競(jìng)爭(zhēng)的狀態(tài)，這無(wú)疑給商業(yè)匯票埋下了安全隱患。在當(dāng)前不斷變化的經(jīng)濟(jì)環(huán)境中，招商銀行與部分銀行業(yè)金融機(jī)構(gòu)一樣，也存在著種種問(wèn)題。因此，如何有效防范和控制商業(yè)匯票的風(fēng)險(xiǎn)，加強(qiáng)票據(jù)業(yè)務(wù)管理，維護(hù)銀行的信譽(yù)和資金安全，維持金融機(jī)構(gòu)的正常經(jīng)濟(jì)秩序，已經(jīng)成為我國(guó)商業(yè)銀行亟待解決的問(wèn)題。本文結(jié)合招商銀行商業(yè)匯票貼現(xiàn)業(yè)務(wù)實(shí)際情況，從該業(yè)務(wù)的操作流程對(duì)招商銀行商業(yè)匯票貼現(xiàn)所而臨的主耍風(fēng)險(xiǎn)以及防范商業(yè)匯票貼現(xiàn)風(fēng)險(xiǎn)的措施等方而進(jìn)行了初步的探討和分析。關(guān)鍵詞：商業(yè)銀行；票據(jù)；貼現(xiàn)業(yè)務(wù)；
3、風(fēng)險(xiǎn)控制CommercialbillsdiscountedoperationalprocessesandriskcontrolinChinaMerchantsBankAbstractWiththeimprovementofChina'smarketeconomicsystem,thebillbusinesshasbecomethemainplayersinthemarkettransactionsettledinstruments,billsdiscountingalsodevelopedintoanimportan
4、tpartofthecommercialbankcreditbusiness.Withtherapiddevelopmentofbusinessofcommercialbills,bankers*acceptancescasesincreasingincidenceandtheamountisalsoincreasingeveryyear,andsomecommercialbankstoincreasethebank'sfinancialstrengthinordertoincreasetheamountofthed
5、eposit,excessiverelaxationoftheconditionsofacceptance,alotoflookingoff-sitediscountedvotes,relaxitsreviewoftheauthenticityofthenotes,makingtheriskisrelativelylowbusinessriskgraduallyexpandedbillbusinesswithexcessiveanddisorderlycompetitioninthestate,whichundoub
6、tedlyburiedasecurityrisktocommercialbills.Intoday'schangingeconomicenvironment,ChinaMerchantsBank,aspartofthebankingfinancialinstitutions,therearealsoproblems.Therefore,howtoeffectivelypreventandcontroltheriskofcommercialbills,billsbusinessmanagement,tomaintain
7、thebank'sreputationandfinancialsecurity,maintenanceoffinancialinstitutionsinthenormaleconomicorder,hasbecomeaseriousproblemofChina'scommercialbanks.Inthispaper,ChinaMerchantsBank,commercialbillsdiscountedtheactualsituationofthebusiness,fromthemainrisksfacingthe
8、operationofthebusinessprocessofChinaMerchantsBank,commercialbillsdiscountedandforthepreventionofcommercialbillsdiscountedriskmeasurescarriedoutapreliminarystudyandanalysis.K
