The contradictions between legal norms about bill discounting results in the lack of legal basis about the innovations of bill financing manner and further risks in practical operations. 由于票据贴现法律规范之间存在的冲突,使其融资方式上的创新缺乏明确的法律依据,在实务操作中存在风险。
The bill discounting is the bill behavior of the commercial bill possessor in order to obtaining the capital, pays the certain interest to the financial organ before the mature day, which is one financing way of the financial organ to the possessor. 票据贴现是商业票据的持有人在票据到期日前,为了取得资金、贴付一定利息将票据转让给金融机构的票据行为,是金融机构向持票人融通资金的一种方式。
This paper based on the status of the bill discounting business in commercial banks, analyses the problems of the bill discounting business from the legal theory and system point of view. 本文以商业银行票据贴现业务的现状为基础,对票据贴现业务中的问题从法理和制度的角度进行了研究。