中国票据信用70年回顾与展望

China’s Bill Credit Development over the Past 70 Years and Its Outlook

信用是票据的灵魂和基石,票据业务的本质在于经营信用。积极发展票据信用有利于更好地服务实体经济。新中国成立70年来,票据业务为实体经济发展提供了金融支持,对经济发展产生了积极的作用。分析影响和制约票据信用发展的因素,认为应充分认识票据信用对经济社会发展的作用,借力电子票据系统拓展商业承兑信用,建立经纪公司和评级公司,建立公共信用信息平台,发挥科技作用,完善相关法规制度等,以促进我国票据信用的发展。

Credit is the soul and cornerstone of bill and the essence of bill businesses is the management of credit.It helps to better serve the real economy to actively develop bill credit.Bill businesses have provided financial support for the development of the real economy and played an active role in promoting economic growth during the 70 years since the founding of the People’s Republic of China.This article analyzes the factors that affect and constrain the development of bill credit,and argues that we should fully recognize the functions of bill credit in propelling the development of the society and the economy.It is recommended to expand the commercial acceptance bill credit by making use of electronic bill system,establish brokerage and credit rating companies,and construct governmental information platform and other platforms,display the role of technologies,and improve relevant rules and regulations,etc.to promote the development of China’s bill credit.