浅谈电子银行承兑汇票的风险识别及防范

Discussion on the Risk Identification and Prevention of Acceptance Bill of Electronic Bank

网络信息时代的发展改变了人们生活的多个方面,改变了人们的生活方式和交易方式。承兑汇票是一种延期支付方式。承兑汇票的交易形式中,既有电子版的承兑汇票又有纸质版的承兑汇票。通过电子银行进行承兑汇票的交易,是一种金融交易的网络服务方式。承兑汇票的发展日益完善,满足现代的生活交易需要。但是这种网络金融交易方式存在较大的风险,所以需要识别电子银行承兑汇票的风险。针对电子银行承兑汇票的风险管理十分重要,要注意防范其中的风险。

The development of network information age has changed many aspects of people’s life,changed people’s life mode and transaction mode.Acceptance bill is a mode of deferred payment.In the transaction form of acceptance bill,there are both electronic version acceptance bill and paper version acceptance bill.Acceptance bill transaction through electronic bank is a kind of network service mode of financial transaction.The development of acceptance bill is increasingly perfect to meet the needs of modern life transaction.However,this kind of network financial transaction mode has great risk,so it is necessary to identify the risk of acceptance bill of electronic bank.The risk management of acceptance bill of electronic bank is very important,and we should pay attention to prevent the risk in it.