目前大多数中小企业面临的资金周转困难,除了融资渠道不畅外,还有一个主要原因是结算环节大量取得的银行票据,由于无法及时贴现,造成资金周转困难。本文作者根据多年的观察和思考,对建立我国票据交易市场,缓解中小企业资金周转困难提出了个人的一些建议。 At present, most small and medium-sized enterprises are facing difficulties in cash flow. In addition to the poor financing channels, one of the main reasons is that bank bills acquired in large quantities in the settlement process can not be promptly discounted, resulting in cash flow difficulties. Based on years of observation and reflection, the author of the paper puts forward some personal suggestions on how to set up China’s bill market and ease the capital turnover of SMEs.