Here, the maturity date of the time deposit shall not be later than the maturity date of the bank acceptance bill, and the due time deposit will be automatically transferred back to the current account or in the state of withdrawal at any time. The coupon has been deducted when posting, and the discount amount is zero, not the face value.

A matter of principle, right? Bank loans are about loan-to-deposit ratio. According to the Basel agreement, loans can be issued when the amount of deposits absorbed does not exceed a certain percentage. Of course, loans derived from new deposits can be lent, and you don't need to use your deposits when lending, just adjust the overall scale.