（来源：票风笔记） 2025年底，我们向大家征集对2026年票据市场的期待。我们整理了大家的回答，站在2026年的起点，今 天向大家发起评选，你最期待未来票据市场会发生什么变化？ 从大家的反馈来看，很多朋友对未来票据市场将如何发展充满无力感，很多东西确实很难改变，我觉得 希望还是要有的嘛，票据行业的良性发展也离不开大家的参与。 我们对此前大家回答进行了整理，并结合我个人的理解，从制度、行业格局、价格、细分市场、参与者 等维度，最后选出了8项期待的变化供大家评选，当然不同人有不同的看法，你可以选择其中的一项或 多项。如果有其他的想法也可以在留言区交流讨论。 从大家的反馈来看，很多朋友对未来票据市场将如何发展充满无力感，很多东西确实很难改变，我觉得 希望还是要有的嘛，票据行业的良性发展也离不开大家的参与。 我们对此前大家回答进行了整理，并结合我个人的理解，从制度、行业格局、价格、细分市场、参与者 等维度，最后选出了8项期待的变化供大家评选，当然不同人有不同的看法，你可以选择其中的一项或 多项。如果有其他的想法也可以在留言区交流讨论。 （来源：票风笔记） 2025年底，我们向大家征集对2026年票据市场的期待。我们 ...

Core Viewpoint - The conference on the development of the Chinese bill market during the "14th Five-Year Plan" to "15th Five-Year Plan" highlighted the increasing importance of the bill market in optimizing financing structures, transmitting monetary policy, and preventing financial risks, while also addressing the challenges and opportunities presented by the digital economy and green development [4][6][10]. Group 1: Conference Overview - The conference was organized by Jiangxi University of Finance and Economics and the Jiujiang Bank, featuring various industry experts and academics [2]. - Keynote speeches focused on macroeconomic conditions, the development of the bill market, and the integration of supply chain finance [6][10]. Group 2: Key Insights from Speakers - The Vice President of Jiangxi University of Finance and Economics emphasized the need for the bill market to better serve small and micro enterprises and to enhance risk prevention systems during the "15th Five-Year Plan" [4]. - The Vice President of Jiujiang Bank highlighted the bill market's role as a crucial link between finance and the real economy, advocating for innovative approaches to support high-quality economic development [6]. - The Director of the Jiangxi Financial Development Research Institute discussed the shift in macro-financial policy from stimulus to structural optimization, focusing on quality and safety in financial services [8]. Group 3: Future Directions and Recommendations - The Executive Dean of the Jiujiang University Bill Research Institute outlined the importance of the bill market in achieving high-quality economic development and proposed several initiatives, including promoting technology-driven financial solutions and enhancing the integration of supply chain finance [10][12]. - The Shanghai Bill Exchange's Legal Compliance Department emphasized the growing demand for simplified credit mechanisms and the legal foundation for limited recourse services in supply chain bills [14]. - The Director of the China Banking Association's Bill Professional Committee pointed out the need for diversified financing channels and the integration of digital currency with the bill market to enhance efficiency and risk management [16]. Group 4: Institutional Developments - The Jiujiang University Bill Research Institute celebrated its ninth anniversary, reflecting on its achievements in academic research and practical applications in the bill market [22]. - A new research project was initiated to focus on cutting-edge topics in the bill field, providing internship opportunities for students [23]. - An award ceremony for a writing competition related to the bill market was held, showcasing the engagement of academia and industry in this sector [26].

Core Viewpoint - The conference on the development of the Chinese bill market highlighted its critical role in connecting finance with the real economy, emphasizing the need for innovation and collaboration among financial institutions to enhance the market's efficiency and effectiveness [2][4][20]. Group 1: Importance of the Bill Market - The bill market is a vital component of China's financial system, serving as an important financing channel for enterprises and a key vehicle for monetary policy transmission [3][4]. - It plays an irreplaceable role in optimizing resource allocation, promoting economic structure adjustment, and serving the real economy [3][4]. Group 2: Institutional Contributions - Jiangxi University of Finance and Economics has established multiple research institutions, including the Jiu Yin Bill Research Institute, to explore the development of the bill market and promote its integration with the real economy [3][4]. - Jiujiang Bank has received several awards for its innovative practices in industrial finance and has been recognized as an "Excellent Comprehensive Business Institution" by the Shanghai Bill Exchange for three consecutive years [4][10]. Group 3: Challenges and Innovations - The banking sector is facing challenges such as narrowing interest margins and increasing asset quality pressures, prompting the need for small and medium-sized banks to reshape their business logic [5][10]. - The bill business is evolving from a traditional payment tool to a strategic safety net for small and medium-sized banks, expanding its value boundaries [5][10]. Group 4: Research and Development - The newly published book "Research on Financial Power Construction and the Development of the Chinese Bill Market" outlines the historical development of the bill market and its future directions, emphasizing its role in supporting the real economy [6][7]. - The book consists of four chapters, covering the development history, modernization efforts, current market trends, and insights from industry experts [7][8]. Group 5: Digital Transformation - The integration of digital technology in the bill market is expected to enhance efficiency and create new trends, such as the independent existence of bill accounts and the connection between small credit and bill acceptance [9][10]. - The Shanghai Bill Exchange has introduced a new generation of bill business systems to improve usability and risk management [12][13]. Group 6: Cultural and Strategic Development - The cultural aspect of the bill market is emphasized as essential for its development, focusing on credit culture, compliance, and innovation [13][14]. - Small and medium-sized banks are encouraged to adopt a differentiated strategy in bill business to enhance competitiveness and meet diverse customer needs [11][14].