摘要
经济进入新常态后,利率市场化和互联网金融深入发展,传统商业银行业务竞争加剧,交易银行以其业务范围宽泛、资本消耗更低、盈利相对稳定和依托电子渠道拓展业务等优势,成为我国商业银行业务模式转型升级的优选策略。票据是企业重要的支付结算和融资工具,是商业银行迈向交易银行转型的重要业务之一,票交所的成立为交易银行票据业务模式提供了更加有效的操作平台。我国交易银行票据业务转型发展应采取更新发展理念、改进组织架构、优化客户体系和改进风险管控体系等措施。
In China,with the development of new normal economy,liberalized interest rate and internet finance,the competition of traditional banking business becomes stronger.Trade bank has wide operation scope,lower capital consumption,stable earnings and e-business channel to develop business,which becomes the optimal strategy to transit business mode for banks in China.As an important tool of payment and financing,bill becomes one of the important businesses of trading bank.The building of SHCPE would provide operational platform for trading bank bills business.The author puts some advices for transition of trading bank bills business,such as innovation of business concept,improvement of business structure and customer system and risk management,etc.
出处
《上海立信会计金融学院学报》
2019年第6期76-85,共10页
Journal of Shanghai Lixin University of Accounting and Finance
