中小企业票据融资的优势及政策选择

Advantages of Note Financing in Small and Mediun-sized Enterprises and Future Policy choice

票据融资是解决中小企业融资难的一条有效途径 ,在具体运作中具有独特的优势。近年来 ,票据市场在快速发展的同时 ,也出现了一些不容忽视且亟待解决的问题。正视这些问题 ,引导中小企业票据融资市场走向规范、有序、高效的道路 ,其可行的政策选择主要有 :切实坚持商业汇票的真实贸易背景原则 ,加强对票据的合规性管理 ;积极稳妥地发展票据市场工具 ,在重点推广使用商业承兑汇票的同时 ,开展融资性票据的试点工作 ;尽快建立健全区域性的统一票据市场 ;加强票据融资的风险防范等。

Note financing is an effective way to deal with the difficulty in the financing of small and medium-sized enterprises, having special advantages in the concrete functioning. In recent years, the note market is developing quickly. Meanwhile, some urgent problems which can't be ignored also arises. Guiding the small and medium-sized enterprises to develop in a standard, orderly and effective way, the following are the positive and feasible policy choices: to stick to the real trade backgroud principle of commercial notes, strengthen the note management which fits the rules, develop note market instrument steadily and actively, make experiments for note financing, establish and perfect reagional united note market, enchance the note financing risk prevention.