浅析我国商业银行票据直贴业务管理模式

Analysis on China's Commercial Banks Bills Straight Paste Business Management Mode

在金融全球化、资金脱媒化、利率市场化的背景下,重视票据直贴业务的管理,是我国商业银行进一步提高资金使用流动性和盈利性,实现规模经营,促进银行内涵式发展,可持续性发展的关键一环。因此,我国商业银行应根据票据直贴业务管理中存在的主要问题,构建票据直贴业务管理模式,有效地达到票据直贴业务结构与效率、质量与效益的有机统一。

Under the circumstance of financial globalization, funding disintermediation, and interest rate market-oriented, it is important for China＇s commercial banks to pay great attention to bills straight paste management, which also a key step to improve funding liquidity and profitability and achieve the connotative and sustainable development. Commercial banks should build bills straight paste business management model in the light of the existing problems thus to achieve the unity of structure and efficiency, quality and benefit.