我国商业银行发展非金融 企业短期融资券业务研究  

The Research of Short-term Financing Bond to Non-financial Enterprises by Chinese Commercial Banks

作　　者：彭爽[1] 李永清[2] 

机构地区：[1]北京电子科技职业学院,北京100176 [2]山西省社会科学院,山西太原030006

出　　处：《经济问题》2017年第7期64-68,共5页On Economic Problems

基　　金：北京社会科学基金项目"北京新农人农业生产的互联网金融支持体系研究"(15JGB095)

摘　　要：近些年来,我国银行间债券市场的创新类金融产品--非金融企业短期融资券凭借其融资成本低、发行便捷等优势,开始逐步替代部分商业银行短期贷款,为有效解决当前企业融资难、融资成本高等问题,提供了一条新思路。通过对我国商业银行发展非金融企业短期融资券的发展历程、企业所面临的困境、市场发展存在的问题进行分析,并结合对非金融企业短期融资券未来发展趋势的分析和判断,从业务发展、风险管理和强化营销等方面提出进一步改善的具体建议。The short - term financing bond to non - financial enterprises is one of the latest innovations made by China＇s inter- bank bond market and is gradually replacing some short -term loans grantedby the commercial banks with its unique advantages of low financing cost, convenient issuing, etc. , which provides a new approach to solving thecurrent problemsfaced by the Chinese enterprisesof high financing cost and of difficulty in getting loans. This paper analyzes the bond＇s development process, the enterprises＇ financing problems and theobstaclesthat hin- der the sound development of the financial market. It also provides suggestions with regard to the improvement business expansion, risk management andstrengthening of marketing by exploringthe future trends of the bond.

关 键 词：商业银行 非金融企业 短期融资券 金融业务 

分 类 号：F830.33[经济管理—金融学]