11月21日，由江西财经大学、江西财经大学九银票据研究院主办，九江银行、中国商票研究中心承办的"十五五"中国票据市场发展研讨会在南昌顺利举办。 参与此次会议的嘉宾有江西财经大学党委常委、副校长阙善栋，九江银行党委委员、副行长杜中文，江西财经大学金融学院副院长（牵头主持行政工作）、 九银票据研究院院长王红建，江西财经大学九银票据研究院执行院长肖小和，上海票据交易所法律合规部周伟峰，人民银行江西省分行金融市场管理处处长 徐峻，中国银行业协会票据专业委员会主任于飞，以及来自江西财经大学师生代表，商业银行、证券公司、科技公司、企业代表。会议由王红建主持。 江西财经大学党委常委、副校长阙善栋致辞。他表示，票据市场从"十四五"迈向"十五五"，在优化融资结构、传导货币政策和防范金融风险等方面作用日益 突出。当前，数字经济与实体经济深度融合，绿色发展理念全面贯穿，金融强国建设迈入关键阶段，票据市场正面临着前所未有的发展机遇与挑战。如何推 动票据更好服务中小微企业融资，以数字化转型提升效率，构建更完善的风险防控体系是"十五五"时期必须共同作答的时代课题。江西财经大学秉承"信敏 廉毅"校训，六十余年来深耕金融人才培养与学术研究。 ...

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].