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当前,商业票据承兑、贴现和再贴现业务中还存在不少问题,其主要表现是:1.票据内容不完善、书写不完整,商业银行要求办理再贴现的商业票据中所有背书人名称及背书日期都未书写的现象较为普遍;2.各地商业银行关于商业票据承兑、贴现和再贴现业务规章制度不统一;3.商业票据“变现”能力较弱和企业信用观念淡薄等等。为规范商业票据业务,针对上述问题,提出如下对策:1.进一步加强宣传和培训工作。人民银行和各商业银行应结合《票据法》的实施,进一步加强有关票据业务培训,使企业财会、供销人员以及商业银行
At present, there are still many problems in the acceptance, discounting and rediscounting of commercial paper. The main performances are: 1. The contents of the notes are incomplete and incomplete. The commercial bank requires the names and endorsements of all endorsers in the rediscounted commercial papers. The phenomenon that the date has not been written is more common; 2. The rules and regulations governing the acceptance, discounting and rediscounting of commercial papers by commercial banks are not uniform; 3. The ability of commercial paper “monetization ” is weak and the concept of corporate credit is weak. In order to standardize the business paper business, the following countermeasures are proposed to address the above issues: 1. Further strengthen publicity and training. The People’s Bank of China and various commercial banks shall further strengthen the training of relevant bills business in conjunction with the implementation of the “Notes Law,” so as to enable corporate finance and accounting, supply and sales personnel, and commercial banks.