关于商业银行票据业务事业部制改革的思考

Opinion on management structural reforms for commercial bank bills business

自1981年起,伴随改革开放的商业银行票据业务已经走过了27个年头,先后经历了探索起步、制度建设、快速发展三个阶段,在法律体系、制度基础、服务经营、风险防控、利率市场化、经营模式、业务创新、人员队伍等诸多方面取得非凡成就的同时,在经营机制改革、风险技术推广、经营作用发挥、区域发展平衡等方面也存在一些发展瓶颈,票据业务在整体金融市场中的作用仍待进一步发挥。针对经营体制瓶颈突出难题,该文提出了以事业部制改革推动商业银行票据业务新发展的改革设想,并从实践层面对具体改革实施进行了初步规划。

During the past 27 years starting from 1981, the bills business of commercial banks has undergone three phases： exploratory start-up, institutional construction and rapid development. While the business has made great achievement in terms of legal system, institutional basis, service and operation, risk prevention, interest rate marketization, operation mode, business innovation and human resources, there are still bottlenecks in reforming the operation mechanism, promoting risk technology, and balancing regional development. In short, the bills business needs to be given full play in the whole financial market. In view of the bottlenecks in the business development, the authors propose promoting a business development based on multi-division structural reforms, and put forward a preliminary scheme for implementing the reforms at a practicat lever.