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The bank may first give you a credit line according to the collateral you provide, and then order you to open a special deposit account for six months. For example, if you make a six-month time deposit of 500,000 yuan, the bank will draw you a bank acceptance bill of 1 10,000 yuan (500,000 yuan is based on your credit line). If your trade background is true, the purchase and sale contract must indicate that you can pay your upstream customers by bank acceptance draft, and the payment period is at least 6 months. The bank gave the acceptance bill, and you can discount it directly. . This practice can expand the average daily deposit scale of banks, and banks have five ten thousandths of fee income. If it cannot be paid at maturity, the bank has the right to recover from your collateral or your joint and several liability guarantor.