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票据贴是持票人把未到期的票据卖给银行,由银行从票面金额中扣减一定量的贴息后,将余款提前收回的一种经济行为。这种业务,在西方金融界已十分普遍,而在我国却历史不长。但由于它具有优化商业银行信贷资产质量的功能,又可缓解持票人资金紧张的矛盾,所以越来越受到人们的重视。本文从提高信贷资产质量的角度,谈谈对票据贴现的一些看法。
Ticket stickers is the bearer of the notes are not sold to the bank, by the bank from the amount of the amount deducted a certain amount of discount, the balance of the early recovery of an economic act. This kind of business, already very common in the western financial circles, has not long history in our country. However, due to its function of optimizing the quality of credit assets of commercial banks, it can also ease the contradiction of the capital shortage of bearer, so people pay more and more attention to it. This article from the perspective of improving the quality of credit assets, talk about some of the discounted bills.