对票据服务中小企业融资的现状分析及思考——以吉林省通化市为例

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英文篇名：Analysis and Consideration on the Current Situation of Financing for Small and Medium-sized Enterprises with Bill Service——Taking Tonghua City of Jilin Province as an Example 作者：任璐 英文作者：REN Lu; 关键词：票据 ; 中小企业融资 ; 分析及思考 英文关键词：Bills;;Financing of Small and Medium-sized Enterprises;;Analysis and Reflection 中文刊名：JLJR 英文刊名：Journal of Jilin Financial Research 机构：中国人民银行通化市中心支行; 出版日期：2019-04-15 出版单位：吉林金融研究 年：2019 期：No.447 语种：中文; 页：JLJR201904005 页数：4 CN：04 ISSN：22-1073/F 分类号：25-28

摘要

2018年票据市场承兑与交易萎缩,中小企业融资受到冲击。中小企业是我国票据市场的融资主体。据统计,由中小型企业签发的银行承兑汇票约占三分之二。受监管趋严及商业银行为腾挪信贷规模而压缩票据资产等因素影响,票据市场承兑和交易规模同比下降。以通化市为例,2018年,通化市累计签发商业汇票26.14亿元,同比下降67.99%;商业银行累计贴现35.24亿元,同比下降46.98%。新形势下,中小企业票据融资亟待转型。
        In 2018, the acceptance and transaction of bill market shrank, and the financing of small and medium-sized enterprises was impacted. Small and medium-sized enterprises(SMEs) are the main financing bodies in China's bill market. According to statistics, about two-thirds of bank acceptance bills issued by small and medium-sized enterprises are bank acceptance bills. The acceptance and trading scale of the bill market declined year on year due to the stricter supervision and the reduction of bill assets by commercial banks in order to divert credit scale. Taking Tonghua City as an example, in 2018, Tonghua City issued a total of 2.614 billion yuan of commercial drafts, a decrease of 67.99%over the same period of last year; commercial banks discounted 3.524 billion yuan, a decrease of 46.98% over the same period of last year. Under the new situation, the paper financing of small and medium-sized enterprises needs to be transformed urgently.

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