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摘要近年来，我国的票据市场迅猛发展，票据交易盛行，已经成为经济市场中的主要融资方式之一。票据业务在发展的同时也存在着许多问题与风险，如票据市场的区域发展区别较大，传统票据交易的弊端日益显露，该市场的信用不足，缺乏统一的交易平台等。为了解决当前票据业务存在的问题，本文主要从金融机构的方向通过案例分析来说明，我们应该积极扩展电子票据交易平台，完善无纸化管理；完善票据法律法规；加强银行内部监督，提升内部人员的职业素养；建立票据市场信用体系；构筑统一的票据交易平台；做好票据交易中各个环节中的防范工作等。如此才能防范风险于未然，而票据交易平台也才能得到长远发展。 45345
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毕业论文关键词：票据交易；票据市场； 票据结算； 风险防范
Abstract
In recent years, the draft market is developing rapidly in our country, and the draft trading has become one of the main financing way in economic market. However, the draft business still has much problem and risk. Such as regional development of draft market is unbalanced, the disadvantages of the traditional draft trading is appearing obviously, it lacks the market credit and unified trading platform, etc. In order to solve the above problems that existing in a paper trading, this article mainly analysis the case from the direction of the financial institutions. The article mentions that we should expand electronic instrument trading platform actively, and get rid of the paper management firstly. Secondly, we should perfect legal system about draft. Thirdly, we ought to strengthen internal supervision of Banks and improve the professional quality of internal staff. Fourthly, setting up paper market credit system is very important. Fifthly we supposed to establish a unified bill trading platform. The last but not least, we must avoid the risk in the each link of draft trading. Only in this way can we guard against the risk of draft clearing, and develop the bill business better and better.
Key words： Draft trading; Draft market; Draft Clearing; Risk prevention
目录
摘 要 I
Abstract II
一、 有关票据业务的概念界定 - 1 -
（一）票据的基本概念 - 1 -
（二）票据交易与结算的定义 - 1 -
二、我国票据交易平台的发展现状 - 1 -
（一）票据融资成为经济市场中不可或缺的一部分 - 2 -
（二）区域发展不平衡 - 2 -
（三）商业承兑汇票发展速度缓慢 - 3 -
（四）电子票据交易日益活跃 - 3 -
三、我国票据交易平台的结算存在的风险 - 3 -
（一）传统票据交易的弊端 - 4 -
（二）我国电子商业汇票市场存在的风险 - 4 -
（三）票据市场存在信用风险 - 4 -
（四）我国票据交易平台存在着一些违规现象 - 5 -
四、票据交易平台的风险防范对策 - 5 -
（一）发展电子票据，完善无纸化管理 - 5 -
（二）完善票据法律法规 - 6 -
（三）加强银行内部监督，提升内部人员的职业素养 - 7 -
（四）建立票据市场信用体系 - 7 -
（五）构筑统一的票据交易平台 - 7 -
（六）在票据交易各个环节中防微杜渐 - 8 -
五、结语 - 9 -
参考文献 - 10 -
致 谢 - 11 -
票据交易平台的结算与风险防范研究