The so-called bill discount loan refers to the bank's easy loan behavior for the holder to hold the unexpired bill. For the holder, bill discount is to sell the bill and recover the funds advanced to commercial credit in advance; For the bank, when the bill expires, the bank can get the amount contained in the bill.

2. What is a discounted bill loan?

The so-called bill discount loan refers to the loan issued by the bank for the holder to hold the unexpired bill. Therefore, the discounted bill loan is a transaction. For ticket holders, bill discounting means selling bills and recovering the funds advanced to commercial credit in advance. For the bank, it is the right to buy the bill. When the bill expires, the bank can get the amount contained in the bill.

3. Do you know what the commercial bank bill discount loan means?

The simple explanation is that enterprises go to commercial banks (CITIC, collecting money directly from each other, ICBC, etc. ), China Merchants Bank, and when it comes to payment, take out the money first and use commercial acceptance bills or bank acceptance bills as collateral. What if you mean in practice?

4. In accounting, do factoring and discount mean the same thing?

There is a difference. Factoring business is embodied in the buyout of accounts receivable, including the buyer's commitment to credit risk. Factoring, as an enterprise financing behavior based on the real trade background, has been widely used. Through flexible factoring design, we can not only alleviate the financial pressure, but also avoid the risk of accounts receivable caused by credit sales without occupying the credit line.

The discount of bills receivable is reflected in the realization of bills receivable, and there is no risk aversion. At the same time, it will be discounted according to a certain proportion, occupying the credit line of the corporate bank.