论民间票据贴现的法律规制

摘要

Non-governmental Bill Discount is a kind of financing behavior in folk, which is different from the the bank Bill Discount. Now the existing laws only prescribed on bank bills discounting provisions, not on the Non-governmental Bill Discount, which leading to many problems in the academic and judicial practice. Starting from the angle of legal and reasonable way, we argument that the exist of Non-governmental Bill Discount is reasonable. Then, according to the current law, put forward the suggestion of setting strict access rules of Non-governmental Bill Discount , Standardize the procedure of bank, improve the relevant provisions of the law of negotiable instrument law, in order to make Non-governmental Bill Discount can running in the sun.%民间票据贴现是区别于银行票据贴现的一种民间融资行为。现有法律仅对银行票据贴现进行了规定，未对民间票据贴现进行明确规定，导致学术界和司法实践中对这一问题的解决存在诸多争议。从法理与情理的角度出发，论证民间票据贴现存在的合理性，并结合当前法律规定，提出设定严格的民间票据贴现准入规则、规范银行的出票程序、完善票据法等法律的相关规定等建议，以期能够让民间票据贴现在阳光下运行。