日前在纽约举办的第二十二届全美华人金融协会（TCFA）年度会议，汇集了包括银行业、金融机构、知名企业、媒体等在内的大批行业人士。票据宝CEO李华军出席了“Opportunities
in New Economy”论坛并发表演讲。
会后，包括FOX、ABC、NBC、CBS在内的诸多权威外媒以“Huajun Li,
PJ.com CEO Underlines Technology & Opportunity For Assets”为题报道了票据宝会上观点。
李华军在会上提及，近年来随着互联网技术的接入和国家创新政策的支持，国内票据行业将进行风控、效率和市场容量升级，票据市场的参与主体迎来了相当好的参与时机。在技术和机遇的加持以及市场主体的规范化参与之下，票据资产将释放出最大的价值。
据了解，票据宝（PJ.com）是国内首个成交规模突破百亿的票据理财平台。其前身是成立于2005年的中国票据网，2015年获得人人网A轮2000万美元投资。平台将资产类型专注在小额银行承兑汇票，至今坏账率0%。
票据并不是新鲜事物。不同于信贷、车贷资产类型，票据特别是银行票据由于早年间多在银行和金融机构内流通，并不为大众所知。银行票据具备“银行刚性兑付”的特点，坏账的唯一可能性在于银行倒闭，风险性极低，因而受到了新兴互联网金融公司的青睐，逐渐开创出互联网+票据的模式。
以票据宝为例，该模式通过互联网技术及引入专业机构，将个人投资者和社会闲散资金引入票据市场，更高效地对接中小企业融资需求。如此一来，不但盘活了市场上沉淀的小额票据存量；并且在资金端将个人投资者纳入票据市场参与者之列，为社会闲散资金提供了新的理财渠道。
2016年以来，互联网金融行业和票据行业纷纷迎来重磅监管文件落地。李华军在会议最后指出：“《网络借贷信息中介机构业务活动管理暂行办法》对网贷内涵、监管体制、业务规则、业务管理和风险控制等提出了具体的管理办法；央行224号文明确规定鼓励转贴现市场的参与，打破银行的资金渠道垄断；票交所年底上线将极大地降低市场上的信息不对称。这些明确的政策支持都将大大提高票据资产的交易效率、让参与主体进一步公开透明，促进票据市场的规范发展，释放票据资产的最大价值”。
以下附报道全文：
Beijing 10.11.2016The Chinese Finance
Association’s 22nd annual meeting was recently held in New York.During the
meeting, which was well attended by leading businessmen including Weihua Ma,
former Chairman of China Merchants Bank and John Chiang, the 33rd California
State Treasurer, Huajun Li, PJ.com CEO presented the forum with“Opportunities in
the New Economy”an in-depth discussion on the industry’s opportunities and
challenges.
Speaking on market leader Goldman Sachs, Huajun Li
commented “Goldman Sachs starts its businesses with bills, it then went on to
increase its loans, foreign exchange conversions and stock consignment sales in
succession”. He predicts that in pace with the industry’sincreasingly
maturetechnology and monitoring policies, there will be a new peak for bill and
note assets leading toan enrichment of financial products on a large-scale.
In recent years, along with increasing Internet technology
developments and the support of the nation’s innovation policy, the domestic
bill and note industry has also seen upgrades in risk control, efficiency and
market capacity presenting significant opportunities for the market.
One key area will be developing and deepening the demand of the
market. PJ.com’s model of “Internet+Enterprise+Natural Person” eases the cost
and technology bottle neck typically experienced during the process of small
bill transactions. This broadens the financing channels for medium, small and
micro-sized enterprises as well as encourages individual investors providing new
ways to manage their idle money.
On the other hand, the financial
industry as a whole needs to ensure that innovation is in line with regulations.
Policies such as “The Provisional Methods of the Internet Lending Agency’s
Behavior Management” and other associated policies need the active and
transparent implementation of participators’ to boost the bill and note market’s
development in a normative way.
报道链接：
FOX:http://www.fox5vegas.com/story/33679502/huajun-li-pjcom-ceo-underlines-technology-opportunity-for-assets
ABC:http://ww.abc6.com/story/33679502/huajun-li-pjcom-ceo-underlines-technology-opportunity-for-assets
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