目 录
导言 ···············································································
1
一、银行开展票据业务的理论依据和现实意义·································
1
1.银行开展票据业务的必要性···············································
1
2.银行开展票据业务的意义·················································
2
二、现阶段我国票据业务的特点···············································
3
1.票据业务的政策规定出现六个“扩大” ································
3
2.票据业务成为商业银行新的利润增长点·································
3
3.票据行为日渐规范，金融机构防范和化解票据风险的意识增强······
3
4.目前具备了银行开展票据业务的良好宏观环境和法律保障··········
3
三、我国发展票据业务面临的主要问题及原因····························
4
1.我国发展票据业务面临的主要问题······································
4
2.我国票据业务现状的成因··················································
5
四、银行开展票据业务的建议················································
6
1.建立专业性票据公司是突破口············································
6
2.建立专业性票据公司同时应注意的几个题······························
7
五、结论············································································
9
参考文献···········································································
10
内 容 摘 要
2001年我国已经顺利加入世界贸易组织(WTO), “十五”时期中国金融改革和发展将面临一个崭新的制度环境，银行业务将会面临严峻的挑战；同时，随着社会主义市场经济的确立，早在1994年初，人民银行颁发了《信贷资金管理暂行办法》,提出要加强人民银行金融宏观调控，开始将再贴现政策作为货币政策的工具加以运用，对票据业务进行重点扶持。鉴于银行票据业务在现阶段对我国经济金融的重要性，本文试图对我国商业银行开展票据业务的有关问题进行探讨和认识，明确在现阶段我们对发展票据市场应持有的态度以及我们要坚持的方向；在我国开展票据业务、发展票据市场存在的缺陷进行深刻认识后，提出针对性建议，解决如何发展、向何处发展的问题。当然，票据业务和票据市场的发展不能一蹴而就，对现存缺陷的解决和完善不会一部到位，重要的是找到解决问题的突破口。本文认为，建立专业性的票据公司是目前发展票据业务、发展票据市场的第一步，是可以带动全局发展的关键所在。最后，本文还提出了建立专业性票据公司要注意的若干方面。
