当前我国商业银行票据贴现业务快速增长研究

A Study on the Rapid Growth of Bills Business in Chinese Commercial Banks

当前,国内商业银行票据贴现业务的发展出现了迅猛增长的势头。本文认为:现阶段我国商业银行票据业务的快速增长,实际上是受企业、商业银行的利益驱动,加之制度层面上的一系列因素共同作用而出现的、特殊时期的特殊结果。尽管其主流层面上是健康的,但也存在着一些值得关注的问题。因此,在我国票据业务发展的初级阶段中,充分认识不规范发展票据业务的危害、强化贸易背景的审查、建立与我国现阶段票据业务发展相适应的贴现利率形成机制,以及商业银行票据业务发展的严格自律,将是商业银行票据业务健康、稳定和可持续发展的必要选择。

Recently, the bills business of domestic commercial banks has developed rapidly. This trend is virtually driven by the interests of enterprises and commercial banks, with combination of effects of institutional factors, and is a special phe- nomenon during a special period. Although the bills business is healthy as a whole, some issues should be concerned. There- fore, during the initial stage of the development of bills business, commercial banks should pay more attention to the follow- ing issues to realize the healthy, stable and sustainable development of the business： （1） fully understanding the harm of un- regulated development of bills business; （2） strengthening the investigation of real trade background; （3） establishing a for- mation mechanism of discounted interest rate suitable to the development status of Chinese bills business; （4） emphasizing the self-regulation of commercial banks.