A市票据市场发展情况调研报告

发布时间：2018-03-23 15:51

本文选题：票据业务　切入点：调研报告　出处：《广西大学》2013年硕士论文

【摘要】：票据市场作为一国金融市场的基础组成部分,在企业拓宽融资渠道,商业银行改善信贷资产质量以及中央银行调控金融市场等方面都发挥着不可替代的作用。随着我国票据市场的不断改革和发展,票据市场对市场经济的影响日益加深。如何解决当前票据市场中不断涌现的各种问题,从而推动我国票据市场的稳步发展,这是我们当前必须关注的问题。本文首先对A市票据市场的调研状况进行了介绍,A市票据业务整体发展水平较低,票据年交易量与GDP的比重低于全国平均水平,各商业银行票据业务发展相对不平衡,城市商业银行的票据业务发展较快。城市商业银行因为独有的“本土优势”,加上具有票据承兑授信权,并可以自主安排贴现额度,直接成立票据中心更能够帮助A市企业方便、快捷地办理票据承兑贴现,故其票据业务一家独大,影响了A市整个票据市场的发展失衡。A市票据信用环境欠佳,主要表现在承兑汇票的恶意挂失和空白背书票据屡见不鲜,也有不法分子利用票据管理的漏洞牟取非法收益。同时A市也存在着利用票据业务来逃避信贷审核,民间贴现机构扰乱票据市场秩序,票据再贴现率与市场贴现、转贴现利率相脱节,央行再贴现窗口指导失去作用等问题。本文最后部分通过对A市票据市场的现状进行分析总结,并有针对性地提出促进A市票据业务平衡发展,缔造良好的信用环境的建议,诸如引入做市商制度,使民间贴现机构阳光化,加强对民间贴现机构的监管等。本文的创新之处在于把A市票据市场的详细发展状况作为调研内容,归纳列举票据市场在发展过程中呈现出来的各种问题并提出解决措施,希望对票据市场制度化和规范化的实现做出贡献。
[Abstract]:As a fundamental part of a country's financial market, the bill market broadens financing channels in enterprises, Commercial banks play an irreplaceable role in improving the quality of credit assets and the central bank in regulating the financial market. With the continuous reform and development of the bill market in China, The influence of bill market on market economy is deepening day by day. How to solve all kinds of problems in current bill market and promote the steady development of bill market in our country is the problem that we must pay attention to at present. Firstly, the paper introduces the status of bill market in A city. The overall development level of bill business in A city is relatively low, the proportion of bill trading volume and GDP is lower than the national average level, and the development of bill business in commercial banks is relatively unbalanced. The bills business of the city commercial banks develops relatively quickly. Because of their unique "local advantages" and the right to accept and grant credit on bills, they can arrange the discount amount independently, and the establishment of a bill center directly can help the A city enterprises to make it more convenient. Deal with the bill acceptance discount quickly, so its bill business is dominant, which affects the development imbalance of the whole bill market in A City. The credit environment of the bill of note in A city is not good enough, which is mainly manifested in the maliciously reported loss of acceptance bill and the common occurrence of blank indorsed bill. There are also lawless elements who make use of loopholes in the management of bills to make illegal profits. At the same time, in City A, there is also the use of bill business to evade credit audit, private discount agencies disrupt the order of the bill market, the bill rediscount rate and the market discount rate. The last part of this paper analyzes and summarizes the present situation of the paper market in A city, and puts forward to promote the balanced development of the bill business in the A city by means of the disjointed interest rate and the failure of the guidance of the central bank rediscount window. Suggestions for creating a good credit environment, such as the introduction of market maker system, the sunshine of non-governmental discount institutions, and the strengthening of supervision of non-governmental discount agencies, etc. The innovation of this paper lies in taking the detailed development of the bill market in A city as the research content, summarizing and enumerating all kinds of problems in the process of development of the bill market and putting forward the solving measures. I hope to make a contribution to the institutionalization and standardization of the bill market.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.51

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