我国票据市场现状及对策分析.rar
我国票据市场现状及对策分析,47页摘要票据市场不仅可以准确反映货币供求状况，其发展还拓展了中央银行基础货币投放渠道，完善了货币政策传导机制，从而扩大了宏观调控政策的乘数效应，在金融市场中发挥着重要作用。我国票据市场的发展经历了起步、初步发展、规范发展、快速发展几个阶段，达到了目前较为理性的发展状态，但票据市场的发展仍滞后于货币市场的其他子市场(如...
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内容介绍
原文档由会员 白痴学东西 发布
47页
摘要
票据市场不仅可以准确反映货币供求状况，其发展还拓展了中央银行基础货
币投放渠道，完善了货币政策传导机制，从而扩大了宏观调控政策的乘数效应，
在金融市场中发挥着重要作用。
我国票据市场的发展经历了起步、初步发展、规范发展、快速发展几个阶段，
达到了目前较为理性的发展状态，但票据市场的发展仍滞后于货币市场的其他子
市场(如:股票市场、基金市场、债券市场、同业拆借市场等)。特别是进入2003
年，高速发展的票据市场遭到上调准备金率、转贴市场停滞等因素影响，发生动
荡，对中小银行的冲击尤为明显。上半年，由于资金面相对宽松，有的中小银行
为了达到存款和收益的双赢，而采取主动负债策略，过度依赖外部资金扩张票据
资产，市场资金抽紧后，流动性风险凸现，部分企业面临资金链条断裂的危险，
银行面临不良贷款上升的压力。
伴随着票据业务的快速发展，我国票据市场中存在一些问题:票据空转产生
泡沫;融资性票据的大量存在;票据市场与其他子市场的严重脱节以及票据案件
的频出。针对这些问题，本文提出发展票据市场的基本思路应在发展中规范，以
规范促发展。具体措施包括:第一，建立全国统一的票据市场，扩大票据市场规
模。第二，拓宽票据经营范围，推动票据业务多元化发展。第三，成立票据市场
中介机构。第四，放松利率管制，逐步实行利率市场化。第五，强化票据管理，
防范票据风险。对于融资性票据，本文认为在未来的一段时间，融资性票据必将
走上票据市场的前台，并将对中国票据市场的经营格局、经营模式和监管方式产
生重大影响。呼吁建立融资性票据市场，提出相关建议。
关键词:票据市场、票据泡沫、融资性票据
第一章引言····················································
1.1问题的提出·················································
1.2论文的研究方法·········，·································
1.3论文使用概念的说明·····································
第二章票据发展的历史·····································
2.1票据的产生····································、·········
2.2票据在中国的发展······························4·········
2.3西方票据的发展历程··································
第三章票据市场在我国货币市场中的作用·············
3.1票据在金融市场中的作用····························
3.2票据对宏观经济以及微观经济的影响·············
第四章国内、外票据市场状况比较····················
4.1中西方票据业务简要比较······························
4.2发达国家票据业务趋势·································
4.3我国票据业务发展阶段·························，·······
第五章我国票据市场的现状及原因························
5.1
5.2
5.3
5.4
5.5
5.6
2003年票据市场状况····································
当前票据市场存在的问题·····························
造成票据市场现状的原因·····························
票据市场的风险分析···································
制约票据发展的因素····································
票据市场监管体系的分析
第六章票据市场的发展方向及相应措施·················
6.1发展票据市场的思路···································
6.2发展票据市场的措施···································
第七章结论·····················································
参考文献···························································
致谢···························································
个人简况···························································
摘要
票据市场不仅可以准确反映货币供求状况，其发展还拓展了中央银行基础货
币投放渠道，完善了货币政策传导机制，从而扩大了宏观调控政策的乘数效应，
在金融市场中发挥着重要作用。
我国票据市场的发展经历了起步、初步发展、规范发展、快速发展几个阶段，
达到了目前较为理性的发展状态，但票据市场的发展仍滞后于货币市场的其他子
市场(如:股票市场、基金市场、债券市场、同业拆借市场等)。特别是进入2003
年，高速发展的票据市场遭到上调准备金率、转贴市场停滞等因素影响，发生动
荡，对中小银行的冲击尤为明显。上半年，由于资金面相对宽松，有的中小银行
为了达到存款和收益的双赢，而采取主动负债策略，过度依赖外部资金扩张票据
资产，市场资金抽紧后，流动性风险凸现，部分企业面临资金链条断裂的危险，
银行面临不良贷款上升的压力。
伴随着票据业务的快速发展，我国票据市场中存在一些问题:票据空转产生
泡沫;融资性票据的大量存在;票据市场与其他子市场的严重脱节以及票据案件
的频出。针对这些问题，本文提出发展票据市场的基本思路应在发展中规范，以
规范促发展。具体措施包括:第一，建立全国统一的票据市场，扩大票据市场规
模。第二，拓宽票据经营范围，推动票据业务多元化发展。第三，成立票据市场
中介机构。第四，放松利率管制，逐步实行利率市场化。第五，强化票据管理，
防范票据风险。对于融资性票据，本文认为在未来的一段时间，融资性票据必将
走上票据市场的前台，并将对中国票据市场的经营格局、经营模式和监管方式产
生重大影响。呼吁建立融资性票据市场，提出相关建议。
关键词:票据市场、票据泡沫、融资性票据
第一章引言····················································
1.1问题的提出·················································
1.2论文的研究方法·········，·································
1.3论文使用概念的说明·····································
第二章票据发展的历史·····································
2.1票据的产生····································、·········
2.2票据在中国的发展······························4·········
2.3西方票据的发展历程··································
第三章票据市场在我国货币市场中的作用·············
3.1票据在金融市场中的作用····························
3.2票据对宏观经济以及微观经济的影响·············
第四章国内、外票据市场状况比较····················
4.1中西方票据业务简要比较······························
4.2发达国家票据业务趋势·································
4.3我国票据业务发展阶段·························，·······
第五章我国票据市场的现状及原因························
5.1
5.2
5.3
5.4
5.5
5.6
2003年票据市场状况····································
当前票据市场存在的问题·····························
造成票据市场现状的原因·····························
票据市场的风险分析···································
制约票据发展的因素····································
票据市场监管体系的分析
第六章票据市场的发展方向及相应措施·················
6.1发展票据市场的思路···································
6.2发展票据市场的措施···································
第七章结论·····················································
参考文献···························································
致谢···························································
个人简况···························································
