1. Yes, if the discount money is not transferred to the account of the biller, the loan should be repayable. Because the bank guarantee is actually a type of loan, if it can be converted into cash through discount, it is equivalent to the loan, and the loan can be repaid. When taking a loan, the source of repayment has already been indicated. Basically, each company indicates the source of payment, so it cannot be said below that any amount can be used to repay the loan, but it is absolutely not allowed to repay the loan with a loan. The amount of discount is generally not too large, and the capital scale of each discount business is limited, so partial discount can be allowed. The term of the bill is shorter, usually 2-4 months. However, loans come in various forms, with different terms and generally larger scales. When the loan matures, the borrower can continue to borrow money with the bank's consent. Discounting allows some idle fund owners to utilize each other and reap benefits.

2. Fund discounting is similar to bill discounting. When the holder needs funds, he transfers the unexpired acceptance bill he receives to the bank through endorsement, and first pays interest to the bank. The bank then The face balance of the bill minus discount interest is paid to the payee. When the bill matures, the bank collects cash from the acceptor against the bill. As far as the customer is concerned, discount means cash withdrawal with discounted interest. Generally speaking, commercial bills used for discounting mainly include commercial acceptance bills and bank acceptance bills. Generally speaking, bill discounting can be divided into three types, namely discounting, rediscounting and rediscounting. It can also be divided into three types according to different bills: bank bill discount, commercial bill discount, bond and treasury bill discount. Therefore, discounting plays a central role in money market activities. The discount market has many special advantages compared with other markets. For banks, discount banks can obtain the following benefits: more interest income; faster fund recovery; safer fund recovery, etc. For discount companies, short-term financing can be obtained through discount. When a bank discounts a bill, the discount payment amount is calculated as follows: Bank discount payment amount = face amount of the bill × (1-year discount rate × number of days to maturity after discounting ÷ 365 days).

1. Regulations on the discounting of bank acceptance bills in other places: The discounting of bank acceptance bills in other places refers to the discounting business of bank acceptance bills carried out by enterprises in provinces, autonomous regions and municipalities outside Guangdong Province with financial institutions that cooperate with China Bill Network. The act of transferring the unexpired bank acceptance bill that it legally holds after paying interest.

2. Important attributes of commercial acceptance bills: discount amount: the actual discount amount is calculated based on the face value minus the interest from the discount date to the day before the bill expires; term: the discount period of the commercial acceptance bill starts from the date of discount From the expiration date of the bill, the maximum period shall not exceed 6 months; interest rate: the discount interest rate is generated by adding percentage points to the rediscount interest rate, and the percentage increase is determined by the People's Bank of China. The discount rate for commercial acceptance bills is generally higher than that of bank acceptance bills, but does not exceed the loan interest rate for the same term.