1, the need to absorb deposits and stabilize customer resources. Because bank acceptance bills belong to off-balance-sheet business and do not account for the loan amount, handling this business can not only earn five ten thousandths of the face value, but also absorb margin deposits and obtain the pledge of certificates of deposit, which not only has a low risk factor, but also indirectly increases deposits. With the implementation of the "real loan and real deposit" system, the ability to derive deposits from loans has decreased. Therefore, the bank's intention to absorb margin deposits and stabilize customer resources through bank acceptance bills is obvious. 20 13 At the end of June, the balance of bank acceptance bills in a city was 947 million yuan, an increase of 555 million yuan that year, an increase of 14 1.49% over the beginning of the year. By the end of June, 2022, the balance of certificates of deposit pledged by financial institutions under the jurisdiction of a city through handling bank acceptance bills was 65.438+0.54 billion yuan, compared with 64 million yuan in the same period last year, with a year-on-year increase of 65.438+0.40.63%.
2. The need for enterprises to solve liquidity difficulties. When enterprises are short of funds, silver tickets can help enterprises improve the leverage ratio of funds. The monthly monitoring report of non-ferrous metal enterprises in a province shows that at the end of June 2022, the balance of accounts receivable of monitoring enterprises was 25160,000 yuan, an increase of 680 million yuan or 37.05%. Enterprises are facing the difficulty of short-term liquidity shortage, which leads to the increase of accounts receivable and affects the issuance of acceptance bills by banks.
3. Affected by the "long increase and short decrease" of bank asset allocation. In the first half of 2023, the loans of City A increased by 610.65 billion yuan compared with the beginning of the year, of which the medium and long-term loans were 4.225 billion yuan, accounting for 68.53% of the total loans. New short-term loans amounted to 2.204 billion yuan, accounting for 35.75% of new loans, 32.78 percentage points lower than the former. The allocation of bank assets "long increase and short decrease" will lead to the decline of market liquidity and the increase of bill turnover in enterprise operation.