票据理财产品的运作模式、市场概况与政策思考

文章介绍了银信合作票据理财产品的运作模式、业务特征及市场现状，分析了该类票据理财产品推出的市场背景，并从监管和政策角度提出，应关注票据理财产品对货币政策调控的影响，完善票据市场制度建设，以规范银行票据业务的发展。

Bill-based wealth-management products:Operational model,market review and policy thinking

This paper introduces the operational model,business features and market situation of bill-backed wealth-management products offered by cooperation between banks and trust corporations.With an analysis of the market background against which such products are launched,the author starts from the perspective of regulation and policy,and points out that attention should be paid to the influence of these products on monetary policy adjustment and that improvements must be made in the construction of the bills ma...