利率市场化背景下商业银行票据业务的变革

Revolution in Commercial Paper Business of Commercial Banks in the Context of Interest Rate Liberalization

随着我国利率市场化改革步伐的加快,商业银行经营转型的压力日益显著,而票据业务可以在商业银行应对利率市场化和实现经营转型过程中发挥重要作用。为了更好地发挥这一作用,票据业务自身也必须实现相应的变革,朝着资金化、衍生化和综合化的方向发展。本文在系统分析该发展趋势的基础上,提出了票据业务转变经营思路、拓宽经营视野和改革经营机制的相关建议。

With the acceleration of China's market-oriented interest rate reform,the commercial banks operate under the ever greater pressures of transformation.Bill business can be of great importance for the commercial banks to cope with interest rate liberalization and business transformation.Reforms of bill business should be proceeded towards a fund-oriented and integrate market with derivatives products and comprehensive services.On this basis,the thesis puts forward the suggestions of bill business in terms of the thinking,the outlook and the mechanism of its operation.