Commercial bills are all called commercial acceptance bills, which reflect the credit of the enterprise and the acceptor is the enterprise. The commercial sticker of credit link is completely in accordance with the requirements of credit management, which is very different from the discount of silver tickets.
What is a commercial acceptance bill sticker?
Commercial bill guarantee refers to a kind of credit behavior that the bank promises to discount the commercial acceptance bills issued or held by qualified enterprises in the form of letters, that is, to give the guarantee amount.
According to the definition, a commercial ticket sticker is a credit line issued by a bank to an enterprise, which can be recycled by the enterprise. The enterprise applying for the guarantee amount can be the acceptor, holder or discount applicant of the bill. After obtaining the credit line guaranteed by the bank, the credit undertaker may attach a bank guarantee to the commercial bill issued or held by the bank, and the bank will guarantee the discount. When the holder submits the bill discount to the bank, the bank will raise money after deducting interest.
Strengthen the liquidity and liquidity of bills through the bank's commitment to discounted bills. It has a high recognition in the market. Compared with silver tickets, the payer of commercial tickets is generally an enterprise, but at present, because the commercial credit system in China has not been fully established, it is more difficult to discount commercial tickets than silver tickets, and it is not easy to be accepted by receiving enterprises. However, if the bank puts a guarantee sticker on the commercial bill, the holder will get a discount promise from the bank and can apply to the bank for discount before the bill expires. After the commercial bill expires, the bank will prompt the acceptor to pay. Therefore, the acceptability of the commercial ticket after the warranty is affixed is greatly improved.
The difference between commercial ticket guarantee and commercial ticket discount: Different from commercial ticket discount, if it is a commercial ticket discount, the payer of the commercial ticket is generally an enterprise, and the discount is more difficult than the bank draft, so it is not easy to be accepted by the ticket holder. Therefore, with the help of "bank credit and commercial credit", the most common way to promote bank credit to upgrade commercial credit is commercial bill discount guarantee, which has strong liquidity and functions similar to bank acceptance bill, and can be used as an important financing tool for enterprise payment. Different from the commercial paper guarantee, the guarantee business is a bill behavior with the bank as the guarantor to ensure the performance of the bill debt. The guarantee business belongs to the off-balance-sheet credit business of banks, and banks bear joint and several guarantee responsibilities without occupying the credit scale. Unlike the letter of guarantee of commercial paper, the letter of guarantee must be used with the paper. During the validity period of the letter of guarantee, the holder may apply to the promised bank for discount by himself or after the agreed discount reason occurs. The essence of a letter of guarantee is the off-balance-sheet commitment business of a bank, similar to a letter of guarantee.