When the bill you discounted at the bank expires, if the drawer can pay the bank normally, you don't have to return the money to the bank; If the drawer can't make normal payment to the bank, the bank will have to ask the endorser (the discounter) for the bill, that is, the money given by the bank will be returned to the bank, and the bank will return the bill to you, and you may need to pay some interest.

1. Discount is a commercial term, which refers to the unexpired commercial acceptance bill or bank acceptance bill drawn by the payer and accepted by the acceptor, and then transferred to the transferee (holder). The transferee (holder) applies to the bank and other financial institutions to realize the bill, and the bank and other financial institutions deduct the interest from the discount date to the maturity date of the bill according to the par value, and pay the remaining money to the holder (payee). When a commercial bill expires, the ultimate holder will collect money from the bill acceptor according to the bill.

2. After the issue of the forward bill, the holder transfers it in the discount market before the bill expires, and the transferee pays the bill to the transferor after deducting the discount interest, or the bank purchases the unexpired bill.

Discount: refers to the bill behavior that the holder of a commercial bill transfers the bill rights to the bank in order to obtain funds before the bill expires, and it is a way for the holder to raise funds from the bank. Discounted cash: refers to the fact that commercial banks hand over the unexpired discounted bills to other commercial banks or discount institutions to obtain financing when funds are temporarily insufficient.

4. rediscount: refers to the behavior that the central bank provides financing support to commercial banks by purchasing discounted but not yet expired commercial bills held by commercial banks. The nature of discount: discount is an asset business of banks. The drawee of a bill owes a debt to the bank, and the bank actually has an indirect loan relationship with the drawee.

5. Discount interest rate: floating on the basis of the current rediscount interest rate of the People's Bank of China. The discount rate is the market price, which is determined by both parties through consultation, but the maximum discount rate cannot exceed the current loan interest rate. Calculation of discount interest: discount interest refers to the interest paid by the payee of the bill to the discount bank before the bill expires. The calculation method is: discount interest = discount amount × discount rate × discount period.