商业银行发展供应链电票融资的现实意义

Realistic Significance of Commercial Banks' Developing the Supply Chain Electric Ticket Financing

当前,互联网飞速发展,传统的线下票据融资服务模式受到挑战,供应链电票融资业务以其可以有效控制风险的特点逐步受到商业银行的重视。文章具体解释了供应链电票融资的含义及具体模式;剖析了推进供应链电票融资对商业银行的重大意义;提出了创新贸易背景真实性审查的监管要求、中小银行加快电票系统建设、尽快确立电子票据的法律地位等切实推动商业银行供应链电票融资业务开展的建议。

At present, with the rapid development of Internet, the traditional offline bill financing service mode has been challenged, while the supply chain electric ticket financing business has gradually attached the attention of commercial banks for the characteristic of effectively controlling the risks. The article explains the meaning and gives out the specific model of supply chain electric ticket financing, analyzes the significance of promoting supply chain electric ticket financing on commercial banks, puts forward the supervision requirements for the investigation of the authenticity of innovative trade background, and suggestions like speeding up the construction of small and medium-sized banks' electrical ticket system, establishing the legal status of electronic bill as soon as possible and etc. to promote practically the development of commercial banks' supply chain electric ticket financing business.