The central bank is pushing the electronic bill within three years tickets target may be eliminated-brock lesnar

The central bank is pushing the electronic bill within three years out of tickets target may be the Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! "The central bank must be clear for 1 million yuan, 3 million yuan of large commercial bills through the electric ticket schedule, forced upgrade of electronic ticket business accounted for the basic provisions of the ticket business" deadline ", to further standardize the bill business and market rules, a joint-stock bank company Department official yesterday told reporters the south. China people on regulating and promoting the development of the electronic commercial draft business notice of the central bank recently issued to financial institutions "(hereinafter referred to as No. 224), from the expansion of coverage rate, simplify the operation, operation system and strengthen the business regulatory aspects of electronic ticket business for. Method for financial policy research team said the No. 224 document compared to before the further development direction of bill business and market, through asymmetric regulatory requirements, to promote electric ticket, gradually implement 3 years out of the goal of tickets. Schedule: tickets using the "doomsday" has been set after the CBRC No. 203, the central bank and the CBRC jointly No. 126, normative documents with another national, systematic significance of article 224 in the recently issued the banks and other financial institutions. In order to effectively improve the electronic ticket business accounted for the central bank made clear objectives, put forward specific requirements on the amount and transitional arrangements, "since January 1, 2017, the amount should be all through the electric single ticket for more than 3 million yuan in commercial bills; since January 1, 2018, in principle, the amount should be all through the electric single ticket for 1 million yuan of commercial bills." In fact, this mandatory increase in the proportion of electronic bill business, in fact, paper paper set a "doomsday", it is not difficult to find that the central bank’s determination of the implementation of electricity tickets big. In addition, No. 224 also requires all financial institutions, the institutions to promote application of electrical ticket detailed measures and promote the timetable in October 15, 2016 prior to the official documents submitted to the people’s Bank of China, and in January 20th annually submit an annual electronic ticket business process. It is worth noting that the 224 new regulations continue most of the requirements in the previous draft, but for the electricity ticket by the end of 2018, accounting for 80% of the bill requirements, did not incorporate new regulations. In this regard, the head of a joint-stock bank Guangzhou branch told reporters in Nandu, may be the central bank does not want to put the time too dead, but from the current situation, the implementation of electricity tickets really help regulate bill business. "At present, our line of electricity ticket accounted for more than 50%, many customers have begun to accept electric tickets, with the promotion of electric tickets, reaching 80% of the target is not far away", the person in charge said. Financial policy research team also said that although there is no rigid requirement for the previous 80%, but with the previous single request, the speed of electric ticket will also accelerate. Efficiency improvement: on Theory

央行力推电子票据 三年内淘汰纸票目标可期 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   “央行明确了必须通过电票办理100万元、300万元大额商业汇票的日程,强制提升电票业务占比,基本规定了纸票业务的‘大限’”,针对进一步规范票据业务及市场的新规,某股份制银行公司银行部负责人昨天向南都记者表示。央行近日向金融机构下发的《中国人民银行关于规范和促进电子商业汇票业务发展的通知》(以下简称224号文),从扩大系统的覆盖率、简化业务操作、规范操作以及强化业务监管等四方面对电票业务进行了规范。法询金融政策研究团队表示,224号文相比之前的文件更进一步,指明票据业务及市场的发展方向,即通过不对称的监管要求,推广电票,逐步落实3年内淘汰纸票的目标。   时间表:   纸票使用“大限”已定   继银监会203号文、央行和银监会联合126号文之后,另一份具有全国性、系统性意义的规范性文件224号文也在近日下发各家银行等金融机构。   为了有效提高电票业务占比,央行明确提出工作目标,对额度和过渡安排提出了具体要求,“自2017年1月1日起,单张出票金额在300万元以上的商业汇票应全部通过电票办理;自2018年1月1日起,原则上单张出票金额在100万元以上的商业汇票应全部通过电票办理。”   事实上,这一强制提升电子票据业务比例的规定实际上给纸质票据设定了“大限”,不难发现央行对推行电票的决心之大。   此外,224号文还要求各金融机构,制定本机构推广电票应用的细化措施和推进时间表,于2016年10月15日前以正式文件报送人民银行总行,并于每年1月20日前报送上一年度电票业务推进情况。   值得注意的是,此次224号文新规延续了此前征求意见稿中的大部分要求,但是对于电票到2018年底占票据规模80%的要求则没有纳入新规。   对此,某股份制银行广州某支行负责人向南都记者表示,可能是央行不希望把时间定得太死,不过从当前的情况来看,电票的执行确实有助于规范票据业务。“目前我行的电票占比超过了50%以上,有很多客户已经开始慢慢接受电票,随着电票的推广,达到占比80%的目标并不遥远”,上述负责人表示。   法询金融政策研究团队也表示,虽然对此前的80%没有硬性要求,但有了前面单张要求,电票的推进速度也会加快。   效率提高:   电票直贴无需纸质发票   为了全方位鼓励电票,224号文显示央行还提高了贸易背景真实性审查效率,简化转贴现操作。文中规定,对于资信良好企业申请承兑的,金融机构通过审查合同、发票等材料影印件,企业电子签名的方式,对电票的真实交易关系和债权债务关系进行在线审核。   “文件里面提到无需原件就可承兑、贴现,这实际上就是对电票的贸易真实性审查有所宽松,也提高了审查的效率”,某股份制银行广州某支行负责人表示,其实过往银行在给企业开纸票时按照银监会的要求是审核开票企业的原件,凭复印件开票,而银行的一般做法也是凭复印件开票,但前提是必须审核原件。   事实上,贸易背景真实性审查原则“实质重于形式”,这一点突破对电票业务发展具有里程碑式的意义。法询金融政策研究团队表示,因为就承兑业务而言,目前纸票还没有类似的“免除条款”,而224号文的这一规定等同于免除了对电票承兑业务发票原件的签注要求,这一条款将助力电票业务发展。   但值得注意的是,对于上述通过在线形式进行审核过的业务,客户是否还有义务、银行是否还有责任要求客户在业务快速审核后,在一定时限内提交发票原件进行签注,这需要央行的后续解读。   此外,224号文还提到,对于企业申请电票贴现的,无需向金融机构提供合同、发票等资料。法询金融政策研究团队认为,其实并非完全不需要审核贸易背景真实性,而是早已审查过合同、发票等材料的影印件,进行过材料的真实性和债权债务关系的真实性在线审核,事实上这比审纸质材料更具效率和准确性,也可避免出现“纸票变报纸”的骗局。   背景:   大案频发、电票业务增长快速   工商银行票据营业部党委书记徐晓岚曾在2016年全国金融同业合作交流峰会上表示,未来我国票据市场发展面临重大变革。   在业内看来,我国票据市场发展之所以要面临重大变革,主要与今年以来票据大案要案频发有直接关系。数据显示,仅2016年上半年发生的同业类票据大案就已超过100亿元。无论是大型银行还是中小银行,无论是纸质票据还是电子票据,均有风险事件暴露。   出现风险事件的票据大多出现在买入返售的环节。兴业银行的中报显示,根据有关监管要求,非标准化的买入返售金融资产不得新发生,存量业务自然到期,期末买入返售金融资产相应减少。   据8家上市股份制银行的中报显示,买入返售金融资产在今年6月末比去年年末的降幅均超过30%以上,其中浦发银行的买入返售金融资产降幅更是达到94.08%。   而买入返售金融资产的大幅下降,主要是由于项下的买入返售类票据规模大幅下降。以浦发银行为例,票据的 占 比 从9 5 .4 8 %下降到22.44%。   一方面是买入返售票据业务规模的锐减,另一方面则是银行票据贴现业务的大规模增加。据w ind数据统计显示,工商银行、建设银行、农业银行、交通银行的票据贴现新增规模均比去年底增长18%以上,而平安银行、招商银行等股份制银行该项业务更是增长1倍以上。   数据显示,2015年电票规模在整个商业汇票出票量中占比仅28 .4%。但业内预计,随着电子票据规定细则陆续出台,电子票据将在未来有爆发式增长。   央行昨日发布的《2016年第二季度支付体系运行总体情况》中显示,截至第二季度,票据业务持续下降,全国共发生票据业务0 .7亿笔,同比下降32.74%。而电子商业汇票系统贴现、转贴现业务增长较快,电子商业汇票系统出票49.26万笔,同比分别增长61.12%。   此外,有消息称,5月末央行牵头成立了全国统一票据交易市场的筹建小组,目前进展顺利,或在10月、11月正式上线,在3年之内尽快让电票占据票据市场的主导地位,以降低票据业务和资金清算中的风险。   中信银行副行长张强在2016中报业绩会上表示,央行正组织十多家商业银行在上海建一个中国票据交易市场。建这个市场以后,交易能够在大的市场和交易平台上进行,电票现在在中国整个票据市场上占比才30%,到时纸票将逐步过渡到电票。   采写:南都记者 田姣 吴梦姗 进入【新浪财经股吧】讨论相关的主题文章:

Sorry, comments are closed for this post.