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.
其二，美联储已经在交易低风险，低回报的国债和购买高收益的私人债券-例如银行贴现贷款，商业票据，和抵押担保证券。
Second, it has been trading in low-risk, low-return Treasury debt and buying higher-yielding private debt—discount loans to banks, commercial paper, and mortgage-backed securities, for example.
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。
Thee interest that borrowers pay for their loans or for their notes discounted forms the major source of Banks' income.
在整个18世纪，英格兰银行一直为国内外客户贴现票据，从而实现了票据的完全转让。
In 18 century, Bank of England provided the discount service for its inland and foreign customers, these notes consequently achieved the complete assignment.
票据贴现时，银行按一定的利率从票据的到期值中扣除自借款日至票据到期日的应计利息，将余款付给持票人。
When bill discount, the bank presses fixed interest rate from bill expire deduct in the value come from loan day of note maturity should plan accrual, pay the person that oppose a bill more than.
近几年，票据转贴现业务在银行间市场兴起，并迅速壮大，但关于该业务的报价分析和深入研究几乎是空白。
The bank acceptance has been risen in recent years, and is growing up rapidly, however, there was virtually nonexistent quotation analysis and further study about this field.
建立起了全国统一的银行间拆借市场，初步形成票据贴现市场和国债回购市场。
Stock market is developing rapidly, a uniform market for inter-bank borrowing and lending has been set up, bill discounting market and Treasury bond market have come into being.
建立起了全国统一的银行间拆借市场，初步形成票据贴现市场和国债回购市场。
Stock market is developing rapidly, a uniform market for inter-bank borrowing and lending has been set up, bill discounting market and Treasury bond market have come into being.
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