◎记者 张欣然 常佩琦 上海票据交易所全新打造的"票据综合服务平台"11月24日正式向全市场开放。同日，工商银行北京市分 行成功落地全国首笔平台贴现业务。业内人士表示，新平台的上线将进一步提升票据市场的信息透明度 和交易效率，为中小企业拓宽融资渠道、降低融资成本提供重要支撑。 据介绍，通过对接全市场金融机构、用票企业等参与主体，该平台着力构建开放、透明、高效的票据服 务生态，有效破解票据市场信息不对称、业务办理效率低、银行系统分散割裂等行业痛点。企业用户完 成平台账户注册后，可实现多账户持票信息一键查询、贴现行情实时查看，还能向多家金融机构在线询 价，并自主选择最优合作方办理贴现业务。 上海证券报记者了解到，票据综合服务平台由上海票据交易所在中国人民银行指导下搭建，是面向企业 和金融机构的互联网综合服务平台。与此前依赖专线的票据业务系统不同，新平台无需专线接入，大幅 降低了企业使用门槛。 工行北京分行相关人士表示，未来将持续深度参与全国统一票据市场创新建设，不断提升票据业务数字 化、智能化水平，在降低企业融资成本、畅通供应链循环、助力经济高质量发展等方面持续发力。 一位工行北京分行人士在接受上海证券报记者采访 ...

Core Insights - The 2024 China Bill Market Development Report indicates a stable overall operation of the bill market, with various businesses experiencing year-on-year growth and an expanded service scope [1] Group 1: Market Performance - In the inclusive finance sector, the number of small and micro enterprises using bills reached 3.459 million, with a total amount of 108.2 trillion yuan, accounting for 98.2% and 78.1% of the market, respectively [1] Group 2: Digital Transformation - The Shanghai Bill Exchange has introduced the "Comprehensive Bill Service Platform" to promote digital transformation in the bill market, offering services such as bill account inquiries, discount inquiries, information disclosure, and transaction information queries [1][2] - The platform enhances the digital processing and inquiry of bill business, promoting the digitalization of the bill market [2] Group 3: Impact on Enterprises - The platform reduces the barriers for small and micro enterprises to participate in bill business, facilitating the development of inclusive finance [2] - It allows enterprises to independently view discount rates and inquire with multiple institutions, broadening financing channels and reducing discount costs due to information asymmetry [2] Group 4: Impact on Banks - The platform helps banks expand their enterprise client base by breaking geographical and industry limitations, allowing them to access more information about bill-using enterprises [3] - It provides a new platform for business innovation, enabling banks to offer innovative solutions and develop new bill products [3] - The integration of information disclosure features aids banks in improving internal risk control models and enhancing risk analysis and warning capabilities [3] Group 5: Long-term Implications - The platform represents a service innovation that balances service enhancement and risk control, potentially lowering discount costs for small and micro enterprises in the short term [4] - In the long term, it drives technological investment and institutional innovation in banks, promoting the practice of the "open banking" concept in financial regulation [4]