商業(yè)銀行票據(jù)業(yè)務(wù)的問(wèn)題與對(duì)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(wèn)題與對(duì)策研究--摘要由于票據(jù)業(yè)務(wù)逐步成為銀行新的利潤(rùn)增長(zhǎng)點(diǎn)，寧波市各商業(yè)銀行大力開(kāi)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(gòu)式轉(zhuǎn)貼現(xiàn)票據(jù)、買(mǎi)方付息票據(jù)貼現(xiàn)等創(chuàng)新型票據(jù)業(yè)務(wù)，促進(jìn)商業(yè)銀行資產(chǎn)向更多多元化的方向發(fā)展。與此同時(shí)，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(shì)，但是受企業(yè)、商業(yè)銀行利益的驅(qū)動(dòng)，加之銀行市場(chǎng)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(jìn)一步發(fā)展，在寧波市市場(chǎng)經(jīng)濟(jì)逐漸完善大背景下，進(jìn)一步對(duì)商業(yè)銀行票據(jù)業(yè)務(wù)問(wèn)題與對(duì)策進(jìn)行研究。本文將運(yùn)用金融專(zhuān)業(yè)知識(shí)，圖表和數(shù)據(jù)舉例的方法對(duì)商業(yè)銀行票據(jù)業(yè)務(wù)存在的問(wèn)題及對(duì)策進(jìn)行研究。通過(guò)對(duì)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(wèn)題以及針對(duì)這些問(wèn)題提出有益的策略和建議，促進(jìn)寧波市商業(yè)銀行票據(jù)業(yè)務(wù)的有效發(fā)展，完善對(duì)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(chǎng)規(guī)模逐步擴(kuò)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(wèn)題62.1票據(jù)業(yè)務(wù)從業(yè)人員綜合素質(zhì)有