票交所新业态下银行票据业务经营转型前瞻

A Prospective Analysis on the Transformation of Banks＇ Bills Business under the Operation of SHCPE

上海票据交易所的建成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。票交所新业态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影响深远。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并优化票据经营机构组织体系设置。

The construction and launch of Shanahai Commercial Paper Exchanae（SHCPE） has remolded the traditional commercial paper market. The SHCPE has achieved the electronic processing and integrated management throughout the pre-, mid- and post-trade of commercial paper trading, which has a profound impact on the business operation, profit model, risk management and innovation of the bills business of commercial banks. In the future, the commercial banks should promote the intensified management and adjust the risk control model of bills business, accelerate the pace of bills business transformation and improve the organization system of bills institutions.