银行票据贴现，是指资金的需求者，将自己手中未到期的银行承兑票据向银行或贴现公司要求变成现款，银行或贴现公司（融资公司）收进这些未到期的票据，按票面金额扣除贴现日以后的利息后付给现款，到票据到期时再向出票人收款。
本文以商业银行票据贴现业务的现状为基础，对票据贴现业务中的问题从法理和制度的角度进行了研究。
This paper based on the status of the bill discounting business in commercial Banks, analyses the problems of the bill discounting business from the legal theory and system point of view.
以往关于银行票据贴现业务的研究，多从金融学和管理学的角度展开，鲜有从法律理论的角度进行系统的探讨。
The research on the bill discounting business of Banks mainly expanded from the finance and management, lacking systematic discussing with legal theory.
借款人支付贷款或贴现票据的利息形成了银行主要收入的来源。
The interest that borrowers pay for their loans or for their notes discounted forms the major source of Banks' income.
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