票据贴现融资，是指票据持有人在资金不足时，将商业票据转让给银行，银行按票面金额扣除贴现利息后将余额支付给收款人的一项银行授信业务，是企业为加快资金周转促进商品交易而向银行提出的金融需求。票据一经贴现便归贴现银行所有，贴现银行到期可凭票直接向承兑银行收取票款。
去年，当贷方拒绝为支撑这些工具的短期票据再融资时，银行不得不把这些资产记入资产负债表，从而改变他们的资本比率。
When lenders last year refused to refinance the short-term paper that funded the vehicles, Banks had to take the assets onto their balance sheets, straining their capital ratios.
普通股、优先股、债券、票据等都属于金融资产。
Common and preferred stocks, bonds, bills, and notes are all types of financial assets.
而我国社会信用体系的不完善也导致短期融资券和中期票据面临一定的信用风险。
Besides, our country's social credit system is imperfect, thereby leading to some credit risks of both short-term finance bonds and medium-term notes.
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