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票据作为商品经济和信用制度发展的产物,目前已是国际上通行的结算和信用支付工具。然而,在我国票据的发展步履维艰,至今尚未推开。如何发展票据这一信用工具,为我国商品经济发展服务,实现结算票据化,本文拟结合实际在此谈点浅见。一、当前票据发展中存在的问题 1.思想观念落后。长期以来,我国实行的是计划经济,人们对产品经济观念根深蒂固,而商品经济和信用观念则十分淡薄,物资和资金的流动习惯于托收承付等结算方式。一些不法分子利用票据进行贪污、诈骗等经济犯罪活动,给国家和人民的财产造成了损失,败坏了票据在人们心目中的地位和形象,使一些单位和个人不敢使用票据,银行也不敢为企业办理票
As a product of the development of the commodity economy and credit system, the bill is now an internationally accepted settlement and credit payment instrument. However, the development of bills in our country has been struggling and has not yet been opened up. How to develop the instrument of credit instruments for the development of China’s commodity economy services to achieve settlement bills, this article to be combined with the actual point of view in this talk. First, the current problems in the development of the Notes 1. Outdated ideas. For a long time, China has pursued a planned economy. People have a deep-rooted view on the product economy. However, the concept of commodity economy and credit is very weak. The flow of goods and capital is accustomed to such settlement methods as collection of commitments. Some unscrupulous elements use bills to carry out economic crimes such as corruption and fraud, causing losses to the property of the country and the people, corrupting the status and image of the bills in people’s minds, leaving some units and individuals afraid to use the bills, and banks not daring to use them For business votes