【作者】 王璐；

【导师】 蒋冠；

【作者基本信息】 云南大学 ， 工商管理， 2012， 硕士

【摘要】 我国商业银行票据融资业务从20世纪80年代初期起步,近几年来,进入了飞速发展的阶段,票据融资市场逐步成为我国货币市场中一颗耀眼的新星,票据融资业务已成为国内企业资金融通的重要渠道之一。然而,在票据融资业务不断发展的同时,各商业银行票据融资业务风险日益凸现,信用泡沫时有显现,犯罪分子与商业银行工作人员内外勾结从事票据诈骗活动,各种诈骗案件屡禁不止给银行带来巨大的风险、造成严重的损失,如何防范与控制票据融资业务风险是各商业银行当前亟待关注和解决的重要问题。发展票据融资业务,必须建立相应的风险防范机制、完善相应的风险管理手段。本文主要运用实证及比较研究方法,围绕以下几个方面对商业银行票据融资业务风险管理进行研究。一是,提出本文的研究背景、技术路线及预期价值；二是,通过研究近年来我国商业银行票据业务的发展概况并通过实例分析我国商业银行票据融资业务风险管理现状；三是,着重从信用风险、操作风险、利率风险、政策风险、道德风险五方面分析了现阶段我国商业银行票据融资业务风险产生的原因；四是,以信用风险管理、操作风险管理、利率风险管理、政策风险管理、道德风险管理五方面为重点对商业银行票据融资业务风险提出管理对策；五是,以商业银行高层管理人员为对象,对商业银行票据融资业务风险管理发展提出六点建议。更多还原

【Abstract】 Commercial banks Notes financing business in China started from the early1980’s, in recent years, it have developed rapidly, Notes financing market has gradually become a new dazzling star of China’s money market, it has become one of the important channels in domestic enterprise financing. However, with the development of notes financing business, the risks are becoming more and more obvious. Credit bubble is revealed, criminals and commercial bank staffs engaged fraud, all kinds of fraud behavior remain exist despite repeated prohibition give banks risks and losses, how to prevent and control notes financing business risks are various commercial bank urgent attention and solve an important problem of each commercial bank notes financing business risk is becoming more and more obvious. Development notes financing business must establish the risk prevention mechanism, perfect the risk management methods.The paper, uses empirical and comparison research method, encloses the following aspects to research commercial bank notes financing business risk management:first, put forward the research background, technical route and expected value; second, through the research in recent years our country commercial bank notes business development situation and through the case analysis the commercial bank bill financing business risk management situation of our country; third, analysis risk causes of our country commercial banks notes financing business from credit risk, operation risk, interest rate risk, policy risk, the moral risk; Fourth, give management countermeasures of commercial bank notes financing business risk management credit risk management, operational risk management, interest rate risk management, the policy risk management, moral risk management five aspects as the key; fifth, puts forward six commercial bank notes financing business risk management development Suggestions to the senior of commercial bank.更多还原