经济发展新常态下银行票据经营模式优化对策研究——基于A银行的实践  

Research on optimization strategies of bank bill business model under new normal economic——Based on the practice of provincial branch of A bank

作　　者：李向 Li Xiang(Ping An Bank Co.,Ltd.,Hangzhou Branch,Hangzhou,Zhejiang,310020)

机构地区：[1]平安银行股份有限公司杭州分行,浙江杭州310020

出　　处：《市场周刊》2024年第25期123-127,共5页Market Weekly

摘　　要：票据市场是货币市场的重要组成部分,是联结货币市场和信贷市场的重要媒介。票据市场在数字化、服务实体化等方向深度转型,票据资产收益率与资金成本长期倒挂,对A银行带来了新的挑战。经济发展新常态下,A银行票据业务经营模式显现出一定程度的局限性。研究指出银行票据经营模式应向服务实体经济的一体化、集约化经营模式转型,交易银行应成为其业务发展的潮流和趋势。The bill market is an important component of the currency market,and serves as a crucial intermediary linking the currency market and the credit market.It has undergone significant transformation in the direction of digitization and service-oriented development,the return on bill has consistently been lower than the cost of funds for a long period of time,which brings new challenges to A Bank.Under new normal economic,bill business of A Bank has shown certain limitations.The research suggests that the business model of bank bills should shift towards an integrated and efficient mode serving the real economy,and transaction banks should become the trend and trend of their business development.

关 键 词：票据业务 经营模式 实体经济 对策 

分 类 号：F832.2[经济管理—金融学]