票交所运行模式下银行票据业务经营转型前瞻

Foresight on Transition of Banking Bills Business under SHCPE Operation

上海票据交易所的建立运行是对我国传统纸质票据业务模式的重大革新,实现了票据业务全流程电子化处理和前、中、后台一体化运营管理,重构了我国票据市场业态环境,初步形成了参与主体多元化、多样性票据产品和交易创新,以及票据市场运行机构更加透明高效的发展格局,我国票据电子化时代加速到来。票交所新业态加深了对银行票据业务经营模式、盈利模式、风险管控和业务创新等方面的影响。未来,银行有望进一步深化票据业务集约化经营,转变票据业务风险防控模式,主动加快票据业务经营转型和优化票据经营机构组织体系设置。

The establishment and operation of Shanghai Commercial Paper Exchange（SHCPE）is a great innovation of traditional paper bill business mode in China,which realized the whole process electronization and unified the operation and management of the front,middle and back parts.This innovation rebuilds the structure of bill market environment.There are different anticipators,multiple bill products and transaction innovation in the market.The institutions operate with more transparency and higher efficiency,which means bill electronization era comes soon.SHCPE deeply affected bill business operation mode,profit mode,risk management and business innovation.In the future,banks would operate bill business in large scale,change risk control mode,positively enhance the transition of bill business operation and optimize bill operation organization system.