商业银行票据融资业务现状与思考

Commercial banks＇ bill financing recent developments and implications

受政策调整、市场流动性趋紧以及监管加强等因素的影响，商业银行票据融资业务在近两年经历了较大的起落，这促动商业银行开始对票据融资业务的未来走向进行重新审视。文章分析了当前票据融资市场的发展现状，以及商业银行票据融资的经营模式，并从加强业务创新、完善业务模式、推进系统建设等方面提出商业银行票据融资业务的发展建议。

Due to the policy adjustment, tight market liquidity and enforcing regulation, commercial banks＇ bill financing experienced great fluctuations in the recent two years, which pushes the commercial banks to reconsider the future development of bill financing business. This article analyses the current situation of bill financing market and the operation models of commercial banks＇ bill financing business. It then puts forth development suggestions for such bill financing in terms of strengthening business innovation, improving business models and pushing forward system development.