中国电子商业汇票发展的现状、问题与对策

人民银行电子商业汇票系统建成应用已届满一年,中国电子票据市场呈现较好的起步发展态势并在部分地区步入良性发展,主要商业银行积极推动电子票据业务开展,电子票据成为解决中小企业融资难和推动中小金融机构加快发展的重要力量。实践中,电子票据市场运行还存在法律制度不健全、业务发展不均衡、电子票据的客户范围和流通性存在局限、电子票据交易利率不尽合理等问题。中国应通过完善电子票据法律制度、改进ECDS系统的功能应用、加大政策引导和扶持、促进市场繁荣、完善电子票据交易利率定价机制等措施推动电子票据业务加快发展。

Status,Problems and Solutions of the Development of China's Electronic Commerce Bill

The electronic commerce bill system of the People's Bank of China has been completed and put into use more than one year.China's electronic commerce bill market presents a good development trend and is in healthy development in some areas.Main commercial banks actively carry out the business of electronic bill,which has been an important instrument to overcome the difficulty of SME financing and promote the rapid development of small and medium sized financial institutions.In practice,there are still proble...