1. The funds that banks can use for loans are not unlimited. When funds are scarce, acceptance bills will be opened, which is an act of banks to replenish liquidity.

2. Banks can increase deposits by issuing acceptance bills. When issuing an acceptance bill, the bank requires the enterprise to deposit the corresponding deposit, which is included in the deposit, which is helpful for the bank to adjust the loan-to-deposit ratio.

3. Increase billing fee income. Banks will charge a certain percentage of billing fees when issuing acceptance bills, which will increase the handling fee income of banks.

Extended data:

Application mode of bank acceptance bill

1, enterprises pay for goods by bank acceptance bills to make up for short-term capital shortage, thus saving cash flow expenses;

2. Enterprises issuing differential bank acceptance bills can expand credit and raise more funds with less funds and lower financing costs;

3. Enterprises can also apply for discount or endorsement transfer of bank acceptance bills received, and replenish liquidity or pay for goods in time.

Second, why should the loan be turned into an acceptance bill?

I'll tell you why, because you don't have to handle the acceptance bill now, so much cash is provided to the bank. For example, if you handle the acceptance of 654.38+00,000 yuan, you may only need to open a deposit account and deposit 654.38+00,000 yuan in it. Once there is a problem, your 654.38+0 million will be gone, which is equivalent to the deposit. However, the acceptance bill can be paid as 6,543,800 yuan in cash. Moreover, if you want to get the money without discount, you must wait until it expires. For the buyer, this is equivalent to receiving the goods first and then paying. Moreover, according to the time value of money, in common parlance, the money will become less and less valuable in the future, that is to say, under normal circumstances, 6,543.8+million after one year is not as valuable as 6,543.8+million now. There is a saying in accounting that it is early to do business.

Third, why should the loan be turned into an acceptance bill?

In this case, a pig was killed several times, and the acceptance increased business, earned interest and expenses, and saved money. Now many banks play this game, which increases the financing cost and the income of intermediary business.

4. Why should the loan be changed into an acceptance bill?

In this case, a pig was killed several times, and the acceptance increased business, earned interest and expenses, and saved money. Now many banks play this game, which increases the financing cost and the income of intermediary business.