【摘要】 票据文化作为金融文化的重要组成部分，深刻影响着票据市场运行效率与服务实体经济质效。"十四 五"时期（2021—2025年）是我国全面建成小康社会后，乘势而上开启全面建设社会主义现代化国家新 征程的关键五年，本文在深入剖析票据文化，阐述其概念、特点及与金融文化的紧密联系，并认真回顾 了"十四五"期间票据文化在数字化、合规性、创新性以及服务实体经济等方面发挥的作用以及发展特 点。 一、票据文化的概念、特点及与金融文化的关系 （一）票据文化的概念 1.票据文化是金融文化的重要分支。金融文化涵盖了金融领域的各个方面，票据文化作为其中的一部 分，是历史发展和实践积淀形成的，秉持着诚实守信、服务经济、汇通天下、守正创新、合规稳健的文 化基因，亦是理念与价值观相统一的文化，是物质文明与精神文明相结合的文化。同时，票据文化又以 其独特的票据活动为载体，票在支付结算、短期融资领域的独特实践，丰富和发展金融文化的内涵，是 其重要的细分领域和微观基础，丰富了金融文化的内容。 2.票据文化与金融文化具有价值互联性。一方面，金融文化的发展为票据文化提供了宏观的文化环境与 价值导向，影响着票据市场参与者的行为与观念。另一方面， ...

Group 1 - The article emphasizes the importance of promoting bill culture as a foundation for building a strong financial nation and adapting to new requirements in the modern era [1][3] - The State Council has issued guidelines focusing on enhancing financial institutions' service capabilities and supporting key areas, including small and micro enterprises, technology innovation, and green development [3][5] - The bill market plays a crucial role in providing high-quality services for economic and social development, with commercial banks actively responding to policy directions by offering targeted financing solutions [3][5] Group 2 - Statistics indicate that 98.2% of small and micro enterprises use bills, accounting for 78.1% of the total bill amount, with an average discount rate of 1.51%, which is 183 basis points lower than the average loan market rate [5] - The article outlines the core values of Chinese financial culture, emphasizing integrity, prudence, and compliance, which are reflected in the practices surrounding bill culture [5] - The promotion of bill culture is linked to supporting new developments in the consumer market, with a focus on resolving issues like overdue payments, which are essential for fostering credit [7][11] Group 3 - The Central Economic Work Conference in December 2024 highlighted the need for technological innovation to drive new productivity, with bills playing a unique role in connecting national policies with enterprise needs [9][10] - Financial institutions are encouraged to develop innovative products that align with strategic priorities such as manufacturing strength and green enterprises, leveraging the advantages of bill products [10] - The People's Bank of China and other departments are working to improve financing mechanisms for private enterprises, with bills serving as an effective financial tool to reduce financing costs [12]

江财九银票据研究院 肖小和 赣州银行资金营运中心 谈铭斐 张小平 弘扬票据文化可普及票据知识，增强社会对风险、投资、信用等概念的认知，减少因信息不对称导致的 纠纷，促进经济稳定性以及增强社会信任机制，对票据行业有着核心作用。 票据文化中的信用体系建 设能提高票据市场可信度，降低交易摩擦成本，保障票据流通安全性。票据文化的弘扬是票据体系健康 发展的"软基石"，既塑造社会对票据活动的理性认知，也为票据工具的高效运作提供文化支撑。通过价 值观引导与制度规范的双向融合，最终实现经济效率与社会效益的协同提升。 一．票据文化及特点 1．何为票据文化 票据文化是金融文化的重要组成部分，是以 信用契约 为核心、以 票据工具 为载体，在金融活动中形成 的 规则共识、技术标准与价值体系 ，贯穿票据全生命周期（签发→流转→兑付），旨在通过 技术赋 能、制度约束、信用积累 推动金融资源高效配置。 2．票据文化特点 票据文化作为现代金融体系的核心纽带，已从传统支付工具演化为驱动实体经济与数字文明融合的战略 载体，其核心特点——信用性、创新性、合规性与服务性——在技术革命与制度重构中形成闭环，重塑 全球金融生态。 信用性 是票据文化的根 ...