摘要
新世纪以来,我国商业汇票互联网化发展先后经历了中国票据网、电子商业汇票系统和互联网票据新业态三个阶段,也存在着互联网票据平台功能不完整、系统覆盖面不全和风险隐患等不足。互联网票据新业态的发展对银行传统票据业务经营模式在客户基础、定价机制和市场地位等方面产生了深远影响,银行推进"互联网+票据"业务的主动意识提升。银行互联网+票据业务可实现跨区域经营、提升资金运作效率和加快经营模式转变。商业银行应借鉴学习互联网金融的用户思维、平台思维和大数据思维,塑造互联网票据经营理念,同时构建具有用户准入及产品信息汇集发布、票据托管、交易撮合和资金清算核心功能的互联网票据运作平台系统,创新推进线上和线下票据业务融合发展。
Since the new century, our country＇s commercial draft of Internet development has experienced the Chinese paper network, electronic commercial draft system and the new format of the Internet bill. There are such problems as incomplete system coverage, risk problems and other issues. The development of new forms of Internet bills on the bank notes business model in the customer base, pricing mechanism and market position and other aspects have a profound impact on the bank to promote the＂Internet ＋ Notes＂ business initiative awareness. Bank ＂Internet ＋ Notes＂ business can achieve cross-regional operations, improve the operating efficiency of capital and accelerate business model transformation. Commercial banks should learn from Internet banking users＇ thinking, platform＇s thinking and big data＇s thinking and shapes the Internet bill business philosophy, while building a collection of user access and product information, notes hosting, transaction matchmaking and financial clearing functions to innovate online and offline notes business integration development.
出处
《上海金融学院学报》
2015年第6期45-54,共10页
Journal of Shanhai Finance University
关键词
商业银行
互联网
票据
Commercial bank
Internet
bill
