Research On The Problem Of The Lack Of Real Trade Background Of The Discount Financing Of Commercial Bills In S City

The present paper system of our country implements the principle of real trade background,that is,the issuance,acquisition and transfer of negotiable instruments should have real transaction and creditor's debt relations,which prohibits purely negotiable instrument financing behavior without real trade background.But in practice,the bill activity generally lacks the real trade background.Especially in the commercial bill discount financing activity,the problem is particularly prominent.This creates a risk that cannot be ignored,undermining the good order of the bill market.Therefore,the paper analyzes the reasons for the lack of the real trade background of the bill,and proposes corresponding solutions to safeguard the good order of the bill market,and realizes the healthy development of the bill market.So far,most studies have found that the main reason for the lack of real trade background is that enterprises have forged trade background in order to finance demand,and pointed out that the existing real trade background principle of the bill system cannot meet the reasonable financing needs of enterprises.It proposes to liberalize the financing instruments without real trade background.It exists another totally contrary sound,that it is therefore necessary to maintain and reinforce the provisions of the Bill Law on the real trade background and to strengthen the supervision of enterprises through commercial banks.However,in the audit practice,we found that,in addition to the reasons for the enterprise itself,commercial banks also caused a large degree of false trade background.And most of the present research proposes the countermeasures that are isolated and antagonistic to each other,and rarely talk.Based on this,this article takes S city as an example;the paper comprehensively analyzes the subjective and objective reasons of the real trade background of bills in the discounted financing activities of commercial bills,and puts forward the countermeasures to alleviate the problem in S city.In order to standardize the financing of negotiable instruments and realize the healthy and lasting development of the bill market,it can effectively alleviate the financing difficulties of enterprises,especially SMEs.The main research contents of this paper are as follows:(1)Introducing the process of discounting financing of commercial bills' exchange;analysis of the characteristics of discounted financing of commercial bills' exchange,the present situation of discounted financing of commercial drafts from the three aspects of the business volume rise,the single type of bill and the lack of the real trade background.(2)The subjective reasons and objective reasons for the lack of real trade background in the discounted financing activities of commercial drafts are analyzed.(3)To alleviate the commercial draft discount financing real trade background deficiencies in the issue of suggestions.Firstly,considering that there are many restrictive factors in the development of financial instruments without real trade background,we should encourage adhering to the principle of real trade background at this stage.On the basis of adhering to this principle,it is necessary to strengthen the examination of Commercial bank notes and strengthen the supervision of the CBRC to the commercial banks,accelerate the establishment of social credit system,and give play to the countermeasures and suggestions of the Assistant management of Shanghai Bill Exchange.On the basis of this,the financing paper has already existed,and indeed provides a tremendous help for enterprise financing.Making a comprehensive survey on the bill market in the Western developed countries,developing the financing instruments is an inevitable trend,which is of great significance.Therefore,in order to realize the further development of the bill market,and catch up with the international standards early,the correct attitude towards financing instruments should be to suppress the nonstandard countermeasures and suggestions.And to develop a scheme on how to standardize the development of the financial instruments in S city from the revision of the regulatory system,the determination of market subject and nominal elements,the establishing of evalution and guarantee system,relying on the exchange to promote the bill transaction,giving priority to the development of electronic bills and other aspects.