For example, the bank has a credit scale of 100 billion, and the enterprise applies to the bank for a discount of 50 billion, which means that the discount takes up 50 billion. If the bank transfers the above 50 billion yuan to other banks or discounts it to the People's Bank of China, the bank can get 50 billion yuan, such as 48.5 billion yuan, after deducting the discount interest, which is the credit scale vacated by the bank.