商业银行票据业务多元化发展与跨界创新

Diversified Development of Commercial Bank Bill Business and Cross-border Innovation

当前,传统票据贴现、转贴现业务的利差空间越来越小,但新常态为商业银行票据业务多元化经营和跨界创新发展创造了重要机遇。商业银行突破传统票据业务的局限,将跨界思维融入多元化经营和转型发展过程中,全方位发展自营、经纪、投行、资管等不同属性的票据业务,是其提升业务核心竞争力、实现可持续发展的关键和内在要求。

At present, the traditional spread space and bill discount and rediscount business is smaller, but The New Normal creates an important opportunity for commercial bank＇s bill business diversification and cross-border innovation development. Commercial banks break through the limitation of the traditional paper business, introduce the cross-border thinking into the diversification and the transformation of the development process,and promote all-round development of proprietary trading, brokerage, investment banking,capital management and other different attributes of bill business, which is the key and the inherent requirement to enhance the core competitiveness of the business and get sustainable development.