商业贴现

A person in charge of commercial banks in an interview with this newspaper that the bank acceptance bill discount, at the same time meet the needs of commercial banks to increase credit risk control the size and needs.

在商业银行负责在接受本报采访的人，银行承兑汇票贴现，同时满足商业银行需要增加的信贷风险控制的规模和需要。

This year, the People's Bank of Shanghai Headquarters organizations to carry out financial institutions, Commercial Acceptance Bill posted the text is the standard-setting contract.

今年以来，人民银行上海总部组织金融机构开展商业承兑汇票转贴现标准合同文本的制定工作。

The level of China's society commercial credit is not high, the bill market growth is not mature, the operation of commercial bank accepts and discount is not standard and the rediscount market is very limited.

我国社会商业信用水平不高，资本市场成长得不够成熟，商业银行的运营难达到标准以及再贴现市场非常有限。

They shall make strict examination of the genuine trade background, prevent arbitrage of banks' discount funds with commercial acceptance bills and other activities in violation of any law or rule, they shall improve the qualification examination procedures, make earnest investigations on the credit and debt repayment capacities of the acceptance enterprises and the enterprises applying for discount, and prudentially grant credit to enterprises with poor credit standing and financial conditions, so as to avoid newly added non-performing assets, they shall include the credit granting quota for discount, surety or discount surety of commercial acceptance bills into the comprehensive credit granting quota for management, control the total amount, and make dynamic adjustments at proper times in light of the conditions of the accepting enterprises and the enterprises applying for discount in respect of finance, credit and business operation, etc.

进行严格的真实贸易背景审查，防止利用商业承兑汇票套取银行贴现资金以及进行其他违法违规活动；完善资格审核程序，对承兑企业和贴现申请企业进行切实的资信、偿债能力调查，对资信和财务状况欠佳的企业要谨慎授信，避免新增不良资产；将商业承兑汇票贴现、保证、保贴业务的授信额度纳入综合授信额度管理，实行总量控制，并根据承兑企业和贴现申请企业的财务、信用和经营等状况适时动态调整。

The degree of dependence on rediscount of commercial bank ; rediscount ; central bank ; influence

"商业银行对再贴现依存度"；再贴现；央行；影响

Based on some supposed macroeconomic models,this paper uses"the degree of dependence on rediscount " of commercial banks to analyse the rediscount policies of contraction or expansion and arrives at the conclusion that "the degree of dependence on rediscount " of commercial banks has significant influence on contraction policy,while no real influence on expansion policy.

本文从若干宏观经济假设模型出发，根据商业银行"再贴现依存度"的不同情况，对紧缩性与扩张性的再贴现政策进行分析，得出了商业银行"再贴现依存度"对紧缩性政策有重要影响，对扩张性政策没有实质影响的结论。

If a seller extends credit to a time draft, they have made a trade acceptance The seller can

如卖方开出的是远期汇票，以此向买方提供信用，此时就做了一笔商业汇票承兑业务，卖方可以请银行买下商业承兑汇票，银行用这个办法对出口商融资，也就是说，银行对该汇票贴现了。

If a seller extends credit to a time draft, they have made a trade acceptance The seller can request that the bank finance the transaction by buying the draft The bank is said to discount the draft.

如卖方开出的是远期汇票，以此向买方提供信用，此时就做了一笔商业汇票承兑业务，卖方可以请银行买下商业承兑汇票，银行用这个办法对出口商融资，也就是说，银行对该汇票贴现了。

If a seller extends credit to a time draft, they have made a trade acceptance. The seller can request the bank finance the transaction by buying the draft.

如卖方开出的是远期汇票，以此向买方提供信用，此时就做了一笔商业汇票承兑业务，卖方可以请银行买下商业承兑汇票，银行用这个办法对出口商融资，也就是说，银行对该汇票贴现了。

The bank looks on strive to develop discounting of bill business as one means having strategy significance of effective commercial bank lessening non-performing loan rates therefore , respectively, to look forward to mentioning

因此，各家银行把大力发展票据贴现业务作为商业银行有效降低不良贷款率的一项具有战略意义的手段，以期提高商业银行的资产质量和市场竞争力，不仅如此，银行还可以通过加快转贴现速度来加速资金周转，以达到和流动资金贷款持平甚至更高的利润。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。