农村信用社票据业务存在的问题及解决对策

为适应商品经济的快速发展,近年来,各地农村信用社票据贴现业务蓬勃兴起。该业务的发展不仅使农村信用社的信贷资产多元化,改变了以往农村信用社资产业务单一的状况,而且也为农村信用社提供了新的利润增长点,实现了货币资源的有效配置。但目前,农村信用社的票据业务,无论是在票据的签发、承兑上,还是在贴现、转贴现和再贴现上,都受多种因素制约而表现为发展滞后。一些农村信用社为扩大该类业务的规模,在办理这项业务时存在业务操作不规范现象,影响汇票的承兑结算,易造成风险隐患。为防范和控制票据业务风险,就票据贴现业务开展过程中存在的问题进行具体分析,并提出了相应解决方法。

Problems and solutions in the bill business of rural credit cooperatives

To adapt to the rapid development of commodity economy,in recent years,discounted business flourishing of rural credit cooperatives.The business development not only of rural credit cooperatives credit asset diversification,change the status of the assets of rural credit cooperative in the past single,but also provide new profit growth point for rural credit cooperatives,realizing effective allocation of monetary resources.Currently,however,Bill business of rural credit cooperatives,whether in the issuance of bills,on acceptance,also was at the discount,go on discount and rediscount,are governed by a variety of factors and for development is lagging behind.Some rural credit cooperatives to increase the size of the business,does not handle this business exist business operations specifications,affect acceptance of bills settlement,easily give rise to hidden risks.For the prevention and control of Bill business risk,discounted business specific analysis of the problems existing in the process,and to propose appropriate solutions.