摘要
近几年,商业汇票发展迅猛,已成为国内上下游贸易伙伴之间的主要结算方式。企业客户持有的商业汇票一方面具有仅次于货币资金的流动性,市场接受度高;另一方面,由于其金额的固定性导致再支付灵活性较差,若企业长期持有必然带来一定的资金占用成本与财务管理成本。商业银行为客户提供票据池服务,能帮助客户有效管理票据,并寻找票据流动性和收益性的平衡点。在市场已有的票据池产品服务功能基础上,商业银行和票据专营机构还可提供符合客户个性需求的票据池短期融资渠道和综合服务项目,从而实现双赢。
In recent years,as one of main settlement instruments,drafts have been widely used in transactions among domestic upstream and downstream trade partners.On the one hand,thanks to its strong liquidity as a kind of quasi-currencies,drafts are highly accepted by the market.On the other hand,fixed face value make drafts inflexible as a re-payment instrument,so holding drafts will increase the costs of capital and financial management.With drafts pool service,commercial banks can help customers to management drafts effectively and find the equilibrium point between liquidity and profitability.On the basis of the functions of existing drafts pool service in market,commercial banks and institutions specialized in drafts can also provide customized services,such as short-term financing channel through drafts pool and other integrated services,which may create win-win benefits for all parties.
出处
《金融论坛》
CSSCI
北大核心
2012年第1期72-77,共6页
Finance Forum
