对商业银行开展票据理财业务的分析和思考

An Analysis and Contemplation on Commercial Bank's Financial Business on Commercial Papers

近年来,作为商业银行理财产品的重要组成部分,票据理财产品得到了较快的发展。本文在介绍票据理财产品发展背景、历史演变和市场格局的基础上,着重分析了开展票据理财业务的中长期意义,并且从合规经营、风险防范和金融创新的角度阐述了发展票据理财业务应注意的问题。

In recent years, as an important part of financial products in commercial banks, financing products investing in commercial papers has developed rapidly. In introducing the background, evolution and market structure of financing product investing in commercial papers, the paper focuses on the long-term significance of carrying out financial business on commercial papers and expounds issues that beg our attention from the angle of compliance management, risk prevention and financial innovation.