Commercial ticket sticker is an innovative financial product designed for low-cost procurement of enterprises. Some commercial banks promise to discount commercial acceptance bills, which greatly improves the credit rating of commercial bills and ensures lower costs, more convenient procedures and safer settlement. A commercial bill is a commercial acceptance bill. The specific definition is Baidu. In short, it is an iou issued by an enterprise based on enterprise credit, and the holder can realize it after the commercial bill expires. Advantages of commercial tickets:
1, as long as the holder gets the bill, he gets all the powers given by the bill.
2. Bills are negotiable, and the power of bills can be transferred by endorsement and delivery.
It is beneficial for enterprises to solve the capital problem in the process of operation. But there are also disadvantages:
1, because commercial acceptance bills are based on the reputation and operating conditions of enterprises, there are cases where they cannot be paid at maturity, which is different from the guaranteed payment of bank acceptance bills that are infinitely close to 100%.
2. Commercial bills only show commercial credit, which is the bill behavior of both the payer and the payee. In the process of discounting a commercial bill, it is often necessary to check the bill at the drawer before endorsement, while the silver bill belongs to the bank's independent bill and belongs to the bank's credit business. Commercial tickets don't say much about silver tickets It mainly means that commercial tickets are guaranteed and discounted. It is precisely because the commercial bill is based on illusory commercial credit that the holder pulls the bank in to ensure that the bill can be redeemed at maturity, so an extra layer of safeguard measures is added. This is the guarantee, which can be understood as a double guarantee. Therefore, the guaranteed commercial tickets are more recognized in the market, and the tickets are posted.