论我国商业银行票据业务经营战略-企业管理专业论文.docxVIP

内容提要票据业务对我国商业银行来说是一个古老而又崭新的课题。近年来，票据业 内容提要 票据业务对我国商业银行来说是一个古老而又崭新的课题。近年来，票据业 务以其“三性”俱佳的特征成为商业银行竞相追逐的目标。票据业务的快速发展， 对于商业银行改善经营局面、提高经营效益、尽快与国际接轨、推进利率市场化 改革等具有重要的意义。 我国的票据业务与国外有着本质的区别，其深层原因涉及交易主体、交易客 体、交易方式、配套政策法规等方面，由于参与主体的广泛性和市场交易工具的 不断增加，票据市场的容量日益庞大，票据业务成为企业的重要融资渠道。 票据业务需要专业化机构来经营，我国有不同的票据专营模式。只有在机构 定位上推行公司化运营模式，经营机制上实行专业化、规模化、集约化经营，建 立产权清晰、运营规范、管理科学的票据专营机构，才能适应票据业务发展的要 求。 从创新的途径角度来看，商业银行要在稳步发展商业汇票业务的同时，努力 开拓商业票据业务，与国际业务相关的如信用证项下的银行承兑汇票贴现业务、 保付代理业务和福费廷业务等品种，票据发行便利，票据代理，以及诸如国外盛 行的CD(大额可转让定单)业务、银行本票、商业本票、保单等其他业务。 商业银行经营票据业务，风险控制的重点是政策风险、经营风险和道德风险， 应当严格按照“三岗分离”的原则，实行流程控制，确保票据业务稳健经营、健 康发展。 Conl：ractBill Conl：ract Bill business is all old business for commercial banks，while its development these years widen a new area．Many commercial banks open its bill business because the characters of the bill offer much convenience to customers as its quickness，safety The quick development of the business have vital meanings for the commercial banks to improve the management，increase the profits，widen the connection with the international market as much as possible and advance the reform of Chinese interest rate market． China’s bill business have initial difference with foreign one’s，the profound reasons involve the subject，object，way of managemant，and the regulations，as the increase of the subjects and the tools for trade，bill become the main channel of the corporations for financing Bill business needs to corporate with professional agencies our country have a varies of models of bill management．Only under the models of corpormive management，mechanism of professional and organizing the agencies with clean productive right，normal corporation and scientific management，can we adapt the demand of the development ofthe bill business Commercial banks need to open commercial bill business for innovation the relevant business are so many as banker’s acceptance bill under the L／C，negotiation of documentary collection and promissory notes，commemial notes，commercial paper forfeiting，which are