我国商业银行票据业务的风险及应对措施

我国商业银行票据业务的风险及应对措施摘要由于票据业务逐步成为银行新的利润增长点，中国各商业银行大力开办票据业务，不仅仅推出传统的票据的承兑、贴现、转贴现和再贴现业务，而且也推出诸如回购式转贴现票据、买方付息票据贴现等创新型票据业务，促进商业银行资产向更多多元化的方向发展。与此同时，中国商业银行票据业务的迅速发展也为企业融资提供了便利，增加企业融资的多种途径。虽然票据业务的迅速发张，呈现好的趋势，但是受企业、商业银行利益的驱动，加之银行市场定位的不明确以及法律法规的不完善，阻碍中国商业银行票据业务的进一步发展，在中国市场经济逐渐完善大背景下，进一步对商业银行票据业务问题与对策进行研究。此篇文章将运用金融专业知识，图表和数据举例的方法对商业银行票据业务存在的问题及对策进行研究。通过对中国商业银行票据业务的研究，分析出现阶段商业银行票据业务存在的问题以及针对这些问题提出有益的策略和建议，促进中国商业银行票据业务的有效发展，完善对商业银行票据业务的管理。关键词：商业银行：票据业务：风险-I-Risks and Countermeasures of Commercial Bank Bill Business inChinaAbstractDue to paper business gradually become a new profit growth point bank,China'scommercial Banks to open bill business,not only the traditional paper acceptance,discount,discount and discount business,but also introduced such as repurchase type turn discount,the buyer pay interest bills discounting,such as innovative paper business,promote todevelop in the direction of more diversified commercial bank assets.At the same time,therapid development of Chinese commercial banks'bill business has also providedconvenience for enterprise financing,and there are many ways to increase enterprisefinancing.Although the paper quickly send a,show a good trend,but driven by theinterests of the enterprises,commercial Banks,combined with the bank market positioningis not clear and imperfect laws and regulations,hinder the further development of China'scommercial bank bills business,under the background of China's market economygradually improved,further study of commercial bank bills business problems andcountermeasures.This paper will use financial expertise,charts and data examples to studythe problems existing in the bill business of commercial banks and the countermeasures.Through the study of Chinese commercial banks'bill business,the paper analyzes theproblems existing in the emerging stage of commercial banks'bill business and putsforward beneficial strategies and suggestions for these problems,so as to promote theeffective development of Chinese commercial banks'bill business and improve themanagement of commercial banks'bill business.Key words:Commercial bank;Bill business;RisksII-目录摘要......Abstract.........I引言.3(一)研究背景.3(二)研究目的与意义.31.研究目的.….32.研究意义..3(三)研究方法一、理论基础及文献综述…5(一)票据业务含义.5(二)文献综述51.国外专家学者对票据业务的研究…。2.国内专家学者对票据业务的研究53.商业银行票据风险及防范措施综述，.6二、我国商业银行票据业务种类及发展历程，.7(一)我国商业银行票据业务种类.71.传统票据业务….72.创新型业务….7(二)我国商业银行票据业务发展历程」.8三、我国商业银行票据业务风险及原因分析10(一)信用风险…10(二)操作风险10(三)道德风险…11(四)合规风险11(五)市场风险….11四、我国商业银行票据业务风险应对措施12(一)加强信用制度建设.12(二)规范票据业务操作…12(三)端正思想，增强风险防范意识..13(四)完善法律法规，规范票据市场.131.将银行承兑汇票纳入银行的规模总量的控制范围」132.加强票据业务的规范性监管，注重票据业务市场秩序…13-13.加强商业银行的内部监督管理.13(五)加强市场风险管控.141.对于利率风险142.对于流动性风险….14结i论2.15参考文献….16-2-