Bill discount business is a loan issued by banks to enterprises by purchasing unexpired bank acceptance bills or commercial acceptance bills. Discounting refers to the behavior that the holder of bills (such as bills of exchange and promissory notes) transfers the rights of bills to financial institutions to obtain funds before the bill expires, and it is a way for financial institutions to raise funds from the holders. Including bank acceptance discount and commercial acceptance discount. Basic process of bank acceptance bill ① Signing commodity trading contract ② Submitting materials to apply for acceptance ③ Submitting to higher authorities for approval ④ Agreeing or disagreeing to handle ⑧ Signing acceptance agreement, sealing acceptance and collecting or returning relevant materials ⑧ Delivery of bills ⑧ Receipt due, ⑨ Issuing bills and entrusted collection ⑩ Remitting bills or refusing loans: Bill discounting refers to loans granted by banks by purchasing commercial bills that have not yet expired. Loan conditions: In addition to the conditions stipulated in the working capital loan, the following points should be met: (1) There is a real commodity trading relationship between the borrower and the drawer or his predecessor. (2) The acceptance bill is complete in elements, continuously endorsed, and its contents have not been altered, and the relevant signatures meet the requirements of the bill law. (3) There are real copies of commodity trading contracts and VAT invoices. (4) A bill of exchange shall not be marked with the words "non-negotiable" or "mortgaged".