我国票据市场对贸易融资的制约及对策研究

发布时间：2018-04-27 04:34

本文选题：票据市场 + 贸易融资　；参考：《天津财经大学》2013年硕士论文

【摘要】：国际贸易融资是一种重要的资金融通方式,它贯穿于企业整个贸易行为的全程中,不仅能解决企业在生产经营中的资金缺口问题,同时又能拓展银行业务,给银行带来丰富的中间业务收入,对企业和银行的业务发展都有着重要的推动作用。随着我国对外贸易的快速发展,国际贸易融资规模逐年扩大。据统计,目前全球各国之间开展的国际贸易中,有一半以上都需要贸易融资的支持。随着我国国际贸易规模不断扩大,我国的国际贸易融资缺口也愈发明显,我国的国际贸易融资明显不能满足企业旺盛的融资需求。我国国际贸易融资不能满足企业需求的原因是多方面的,诸如国际贸易融资有效的风险控制手段落后、国际贸易融资的资金供给后劲不足、国际贸易融资的形式过于简单,融资方式单一、国际贸易融资政策法规不完备,相关的法律依据有待于进一步完善等。票据(汇票、本票、支票)是进出口企业贸易结算的主要工具。作为企业贸易融资的重要场所的票据市场,其发展程度与贸易融资缺口的缓解息息相关。因此,本文试图从我国票据市场的角度出发,在分析我国票据市场我国票据市场规模不断扩大,参与主体逐渐增多,票据违规逐渐减少的发展现状的基础上,指出由于在信用环境、法律法规、运行机制、交易主体、交易工具等方面的不完善造成票据市场的滞后发展。并以福费廷业务在我国的开展情况为例,说明票据市场滞后对贸易融资业务的限制。并比较分析英美日三国三种不同的票据市场发展模式,在吸收发达国家票据市场发展经验如推进票据电子化、票据交易品种创新化、政府推动作用的基础上,提出改善我国票据市场的对策诸如建立社会信用体系,明确市场监管权限,完善票据市场法律体系,扩大票据市场交易主体和交易工具,推进票据融资方式多元化等,促进我国贸易融资业务的开展。
[Abstract]:International trade financing is an important mode of financing, which runs through the whole course of the enterprise's trade behavior. It can not only solve the problem of financing gap in the production and operation of enterprises, but also expand the banking business. It brings rich intermediate business income to banks, and plays an important role in promoting the business development of enterprises and banks. With the rapid development of China's foreign trade, the scale of international trade financing is expanding year by year. According to statistics, more than half of the international trade between countries in the world needs the support of trade finance. With the expansion of China's international trade scale, the gap of China's international trade financing is becoming more and more obvious. China's international trade financing obviously can not meet the exuberant financing needs of enterprises. There are many reasons why China's international trade financing can not meet the needs of enterprises, such as the backward effective risk control means of international trade financing, the shortage of capital supply of international trade financing, and the simple form of international trade financing. Financing mode is single, international trade financing policies and regulations are not complete, relevant legal basis needs to be further improved. Bills of exchange (bills of exchange, promissory notes, cheques) are the main means of trade settlement for import and export enterprises. As an important place for enterprise trade financing, the development of paper market is closely related to the alleviation of trade financing gap. Therefore, from the point of view of our country's bill market, this paper tries to analyze the current situation of our country's bill market scale expanding, the participants increasing gradually, the bill violating regulations decreasing gradually. It is pointed out that due to the imperfection of credit environment, laws and regulations, operation mechanism, trading subject, trading tools, etc., the paper has lagged behind the development of the bill market. Taking Forfaiting's development in China as an example, this paper illustrates the limitation of paper market lag on trade financing business. Three different development models of bill market in Britain, America and Japan are compared and analyzed. On the basis of absorbing the development experience of developed countries, such as promoting electronic bill, innovating the variety of bill trading, promoting the function of government, The paper puts forward some countermeasures to improve the bill market, such as establishing the social credit system, clarifying the market supervision authority, perfecting the legal system of the bill market, expanding the trading subjects and tools of the bill market, promoting the diversification of the bill financing methods, etc. To promote the development of China's trade finance business.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.6;F831.5

【参考文献】