我国商业银行票据业务的风险及应对措施RisksandCountermeasuresofCommercialBankBillBusinessinChina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RisksandCountermeasuresofCommercialBankBillBusinessinChinaAbstractDuetopaperbusinessgraduallybecomeanewprofitgrowthpointbank,China'scommercialBankstoopenbillbusiness,notonlythetraditionalpaperacceptance,discount,discountanddiscountbusiness,butalsointroducedsuchasrepurchasetypeturndiscount,thebuyerpayinterestbillsdiscounting,suchasinnovativepaperbusiness,promotetodevelopinthedirectionofmorediversifiedcommercialbankassets.Atthesametime,therapiddevelopmentofChinesecommercialbanks'billbusinesshasalsoprovidedconvenienceforenterprisefinancing,andtherearemanywaystoincreaseenterprisefinancing.Althoughthepaperquicklysenda,showagoodtrend,butdrivenbytheinterestsoftheenterprises,commercialBanks,combinedwiththebankmarketpositioningisnotclearandimperfectlawsandregulations,hinderthefurtherdevelopmentofChina'scommercialbankbillsbusiness,underthebackgroundofChina'smarketeconomygraduallyimproved,furtherstudyofcommercialbankbillsbusinessproblemsandcountermeasures.Thispaperwillusefinancialexpertise,chartsanddataexamplestostudytheproblemsexistinginthebillbusinessofcommercialbanksandthecountermeasures.ThroughthestudyofChinesecommercialbanks'billbusiness,thepaperanalyzestheproblemsexistingintheemergingstageofcommercialbanks'billbusinessandputsforwardbeneficialstrategiesandsuggestionsfortheseproblems,soastopromotetheeffectivedevelopmentofChinesecommercialbanks'billbusinessandimprovethemanagementofcommercialbanks'billbusiness.Keywords:Commercialbank;Billbusiness;Risks目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II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...
