票据融资法律规制研究

Research on the Legal Regulation of the Negotiable Instruments Financing

摘要: 近年来，随着经济环境的不断变化，票据的支付、结算、融资、调控等功能有了新的变化，票据的主要功能从原先的结算功能、支付功能慢慢转向为融资功能。因票据自身的特点，票据融资不但能够解决我国中小企业融资困难的难题，也可以释放商业银行的信贷规模。但是，我国的票据法律规制导致票据的融资功能十分受限。为了解决上述票据融资的法律规制问题，可以采取如下方式：修订《票据法》第十条的规定、构建融资性商业票据制度以及构建我国的商业信用特色体系。

Abstract: In recent years, with the continuous changes in the economic environment, the payment, settlement, financing, regulation and other functions of bills have had new changes, and the main function of bills has slowly shifted from the original settlement function and payment function to the financing function. Because of its own characteristics, note financing can not only solve the problem of financing difficulties of small and medium-sized enterprises in China, but also release the credit scale of commercial banks. However, China’s legal regulations on bills lead to the financing function of bills are very limited. In order to solve the above-mentioned legal regulation of note financing, the following ways can be taken: amending the provisions of Article 10 of the Notes Law, constructing a system of financing commercial paper and constructing a system of commercial credit characteristics in China.