商業(yè)銀行票據(jù)業(yè)務(wù)的問題與對策研究【畢業(yè)論文】

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1、--畢業(yè)論文（2010屆）商業(yè)銀行票據(jù)業(yè)務(wù)的問題與對策研究--摘要由于票據(jù)業(yè)務(wù)逐步成為銀行新的利潤增長點，寧波市各商業(yè)銀行大力開辦票據(jù)業(yè)務(wù)，不僅僅推出傳統(tǒng)的票據(jù)的承兌、貼現(xiàn)、轉(zhuǎn)貼現(xiàn)和再貼現(xiàn)業(yè)務(wù)，而且也推出諸如回購式轉(zhuǎn)貼現(xiàn)票據(jù)、買方付息票據(jù)貼現(xiàn)等創(chuàng)新型票據(jù)業(yè)務(wù)，促進商業(yè)銀行資產(chǎn)向更多多元化的方向發(fā)展。與此同時，寧波市商業(yè)銀行票據(jù)業(yè)務(wù)的迅速發(fā)展也為企業(yè)融資提供了便利，增加企業(yè)融資的多種途徑。雖然票據(jù)業(yè)務(wù)的迅速發(fā)張，呈現(xiàn)好的趨勢，但是受企業(yè)、商業(yè)銀行利益的驅(qū)動，加之銀行市場定位的不明確以及法律法規(guī)的不完善，阻礙寧波市商業(yè)

2、銀行票據(jù)業(yè)務(wù)的進一步發(fā)展，在寧波市市場經(jīng)濟逐漸完善大背景下，進一步對商業(yè)銀行票據(jù)業(yè)務(wù)問題與對策進行研究。本文將運用金融專業(yè)知識，圖表和數(shù)據(jù)舉例的方法對商業(yè)銀行票據(jù)業(yè)務(wù)存在的問題及對策進行研究。通過對寧波市商業(yè)銀行票據(jù)業(yè)務(wù)的研究，分析出現(xiàn)階段商業(yè)銀行票據(jù)業(yè)務(wù)存在的問題以及針對這些問題提出有益的策略和建議，促進寧波市商業(yè)銀行票據(jù)業(yè)務(wù)的有效發(fā)展，完善對商業(yè)銀行票據(jù)業(yè)務(wù)的管理。關(guān)鍵詞：商業(yè)銀行；票據(jù)業(yè)務(wù)；監(jiān)管AbstractAsthebusinessgraduallybecomethenewprofitgrowthofpo

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8、s：commercialBanks；Billbusiness；supervision目錄1寧波市商業(yè)銀行票據(jù)業(yè)務(wù)的現(xiàn)狀11.1票據(jù)業(yè)務(wù)的概念11.2寧波市商業(yè)銀行票據(jù)業(yè)務(wù)的發(fā)展歷程21.3寧波市商業(yè)銀行票據(jù)業(yè)務(wù)在資產(chǎn)結(jié)構(gòu)中地位31.4票據(jù)市場規(guī)模逐步擴大41.5商業(yè)銀行票據(jù)業(yè)務(wù)面向中小企業(yè)42寧波市商業(yè)銀行票據(jù)業(yè)務(wù)存在的問題62.1票據(jù)業(yè)務(wù)從業(yè)人員綜合素質(zhì)有