论我国票据流通中的征信体系建设  

On the Construction of Credit Reporting System in the Circulation of Bills

作　　者：耿广奇 Geng Guangqi(Institute of Economics, Zhengzhou Shengda University of Economics, Business and Management,Xinzheng 451191, Henan, China)

机构地区：[1]郑州升达经贸管理学院经济研究所,河南新郑451191

出　　处：《征信》2019年第2期20-24,共5页Credit Reference

摘　　要：当前我国票据在承兑、转让、贴现、转贴现等各个环节都存在一些信用问题,其原因是票据这个信用工具在很大程度上游离于我国的征信体系之外。建议将票据的流通环节全面纳入征信体系,通过把票据相关银企信息及个人票据信息纳入企业和个人征信体系、共享"黑名单"、完善征信报告等措施,使票据真正发挥信用工具的功能,以遏制票据大案要案频发的势头,促进企业票据融资业务发展及我国征信体系的进一步完善。The credit instrument bill is largely outside the credit reporting system of China, which causes some credit problems in the acceptance, transference, discount, and re-discount links of China’ s bills. It is recommended that the circulation links of bill be comprehensively incorporated into the credit reporting system. By incorporating the information about banks, companies and citizens related to bills into the enterprise and personal credit reporting system, sharing the blacklist, and improving credit reports, etc., it is able to truly display the function of bill as a credit instrument, curb the momentum of the repeated occurrence of shocking, notorious bill cases, and promote the development of enterprises’ financing businesses by bills and the further improvement of China’ s credit reporting system.

关 键 词：商业汇票 票据流通 信用工具 征信体系 

分 类 号：F832.4[经济管理—金融学]