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一、当前我国票据市场存在的主要问题。我国自恢复票据业务以来,票据市场有了长足的发展,但仍不完善,管理比较混乱。其主要表现是:大额票据兑付,各银行自立政策,影响票据的及时解付。2、跨系统签发的银行汇票结算不畅。3、头寸不足,延压票据,占用企业资金;甚至无理退票拒付等现象也时有发生。4、空白支票、汇票丢失现象严重。这些现象的存在不能说与我们约束机制的不健全有关。面对这些现象,我们现有的一些行政暂行办法和规定,因缺少权威性和规范性,往往显得苍白无力。而要解决这
First, the current main problems in China’s bill market. Since the promulgation of the bills business in our country, the bill market has made great strides, but it is still not perfect and the management is rather chaotic. The main performance is: large bill payment, independent bank policy, affect the timely settlement of bills. 2, cross-system bank draft issued poor settlement. 3, the lack of positions, delaying bills, occupy the funds of enterprises; even unreasonable refunds such as protest also occur from time to time. 4, blank checks, drafts lost serious. The existence of these phenomena can not be said to be related to the imperfection of our restraint mechanism. In the face of these phenomena, some of our existing administrative interim measures and regulations are often pale and weak due to their lack of authority and normativeness. And to solve this