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近年来,银行承兑汇票(以下简称银票)作为一种支付、流通和结算工具,以其流通性强、变现能力快等特点,在银行和企业间使用得越来越广泛,并成为商业银行扩大信贷投入和企业拓展融资渠道的重要手段。但银行在快速发展银票业务的同时,必须要高度重视因签发银票而带来的存款结构变动和其他可能产生的风险。本文通过某商业银行(以下简称甲银行)为当地某集团公司(以下简称乙公司)签发银票案例,分析如何发现并防范可能出现的风险。
In recent years, as a payment, circulation and settlement instrument, bank acceptance bills (hereinafter referred to as the “bank draft”) have been widely used among banks and enterprises due to their strong liquidity and fast liquidation, and have become commercial banks Expand credit investment and enterprises to develop an important means of financing channels. However, banks should attach great importance to the changes in the deposit structure and other possible risks arising from the issuance of bank bills while rapidly developing the banking business. This article through a commercial bank (hereinafter referred to as A Bank) for a local group company (hereinafter referred to as B Company) issue of banknote case, analyze how to detect and prevent possible risks.