金融科技赋能电子商业汇票交易研究  

Research on Fintech Enabling Exchange of Electronic Commercial Bill

作　　者：赵慈拉[1,2] ZHAO Cila(Bank and Bill Business Department,China CITIC Bank Shanghai Branch,Shanghai 200126;China Bills Research Center,Shanghai 200433)

机构地区：[1]中信银行上海分行银行及票据业务部,上海200126 [2]中国票据研究中心,上海200433

出　　处：《上海立信会计金融学院学报》2021年第1期36-44,共9页Journal of Shanghai Lixin University of Accounting and Finance

基　　金：中信银行承接中国票据研究中心课题“商业承兑汇票发展研究”(PJZX2019)的研究成果。

摘　　要：在当前实体经济应收账款拖欠日趋严重的经营环境下,金融市场需要推广应收账款票据化,充分发挥电子商业汇票的支付流通功能,以纾解中小微企业应收账款困局。电子商业汇票具有货币化属性,其支付功能的发挥对降低实体经济融资成本,减少央行M2增发具有积极意义。因此,延长电子商业汇票支付链,完善其电子货币功能,降低融资成本,应成为票据交易制度设计和票据业务政策制定的首选目标。文章全面论述了电子商业汇票货币化支付在供应链和跨境贸易中的创新应用,并针对电子商业汇票与人工智能的发展趋势,系统性地提出引入数字化交易模式、建设数字化票据市场监管机制、创新全国一体化和数字化电票交易系统、引入算法技术的电票信用评分体系等制度性设计构想。In the current real economy,the phenomenon of accounts receivable arrears is becoming more and more serious.It is necessary to promote the receivable billing,give full play to the payment and circulation function of electronic commercial bill,and relieve the receivable dilemma of small,medium and micro enterprises.Electronic commercial bill has the property of monetization.Its payment function plays a positive role in reducing the financing cost of the real economy and the additional issuance of M2 by the central bank.Therefore,extending the payment chain of electronic commercial bill,perfecting the function of electronic money and reducing the financing cost should be the first choice for the design of the bill transaction system and bill business policy-making.This paper comprehensively discusses the innovative application of electronic commercial bill monetization payment in supply chain and cross-border trade.In view of the development trend of electronic commercial bills and artificial intelligence,the paper systematically proposes the introduction of digital trading mode,the construction of digital bill market supervision mechanism,the innovation of national integrated electronic bill digital trading system,and the introduction of algorithm technology into the electronic bill credit scoring system.

关 键 词：金融科技 电子商业汇票 票据货币化 票据跨境支付 

分 类 号：F832.24[经济管理—金融学] F832.29