1. Bill discount: For the holder, discount is the act of selling the unexpired bill to the bank to obtain liquidity, so as to recover the funds advanced to commercial credit in advance; For banks or discount companies, discount is a loan business combined with commercial credit.

2. Bank loan: Bank loan refers to an economic behavior that banks lend funds to people who need funds at a certain interest rate according to national policies and return them within the agreed time limit; Moreover, in different countries and different development periods of a country, the types of loans classified by various standards are also different; For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans and other types; In Britain, industrial and commercial loans are mostly in the form of discounted bills, credit accounts and overdraft accounts.

: 1. What is a bank loan?

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Article 26:

If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

Second, the loan skills of bank loans

Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan in a bank successfully, and it is not easy to get a loan in a certain period of time.

1. Reasons for loan: In the process of applying for a loan, the borrower should be frank and clear, and explain in detail the purpose of the loan and the advantages of personal repayment. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the greater the amount, the greater the possibility of failure. However, this is not what the lender wants. They certainly don't want their loan funds to remain unchanged for half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.