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.
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.
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