Contact information: ① All of them are bank assets business.

② Both of them have certain risks.

(3) Both banks can benefit.

Differences: ① The parties to a credit relationship are different.

②

③ Different deadlines.

(4) Discounted bill loans deduct interest before issuing loans; Generally, bank loans pay the principal first and then interest.

(5) If the ticket is not shoveled, the funds will be withdrawn in time.

What's the difference between rediscounting and refinancing?

There are three points in rediscounting and refinancing.

First of all, the essence of the two is different:

1. The act of buying discounted but unexpired commercial paper held by commercial banks and providing financing support to commercial banks was posted again.

2. The essence of refinancing: refinancing refers to the loans granted by the central bank to financial institutions to achieve the monetary policy objectives. China's refinancing has two meanings. In a narrow sense, refinancing refers to the concept that the central bank reloans financial machines, including bill rediscount.

Second, their roles are different:

1, the role of rediscount: one of the three major monetary policy tools (open reserve), rediscount has been widely used in many countries, and has been successfully used in economic reconstruction in Japan, Germany, South Korea and other countries.

The reason why rediscount can be so valued and applied is mainly because it has a unique function to adjust the total money supply, and it also has the function of selectively adjusting the economic structure of different varieties according to demand.

2. The role of refinancing: The central bank affects the amount of money that commercial banks get from the central government by adjusting the interest rate of refinancing, so that the money supply and market interest rate change and shrink. When the monetary policy is tightened, the amount of money will increase and commercial banks will be prohibited from lending to the central bank.

The adjustment of refinancing interest rate is an effective way to transmit the change of monetary policy, which can produce a forecasting effect, thus affecting people's expectations to a certain extent. In the view of the central bank, the easing of inflation will drive investment and economic growth, and to some extent, it will play a role in adjusting the industrial structure and product structure.

Third, they are different in nature:

1, rediscount nature: As the bill is a bill that the buyer's bank promises to pay unconditionally, the seller's bank is willing to accept the bill in order to provide its customers with the required funds in time. The behavior of commercial banks to buy such bills is bill discount.

Because there is a time difference between the time of bill discount and the time of bill maturity, during this time, bill discount is tantamount to commercial banks providing loan support to their customers, so loan interest should be included.

When discounting bills, commercial banks cannot buy bills at the original price, but must discount them at the original bill amount. This discount is the interest of discount financing, and the discount rate is usually called the discount rate.

2. The nature of refinancing: refinancing is a quantitative monetary policy tool with strong planning, administration and passivity. However, it should be pointed out that it is impossible for any single and independent monetary policy tool to complete all macro-control by learning from the financial development experience of developed countries, but it is necessary to choose appropriate tools to cooperate and coordinate according to the monetary policy objectives in different periods.

Baidu encyclopedia-rediscount

Baidu encyclopedia-refinancing

What's the difference between discount loans and ordinary loans?

1. The financing term is different. Generally, the loan term ranges from a few months to five years, while the longest discount period cannot exceed six months. The loan can be extended when it expires, but there is no extension problem in discount, only the right of recourse when it is not returned at maturity.

2. Is there any agreement on the use of this money? Generally, loans are agreed on loan purposes, and enterprises applying for discount interest do not need to promise or explain the purpose of the discount interest income, and banks have no obligation to audit in this regard.

3. Interest is collected in different ways. Generally, the loan interest is charged regularly when the loan expires or according to the agreed period, which is usually called loan first and then interest. Discounting is the purchase of bills, but the bills are not paid when they expire, and recourse is made to the enterprise. After the discount, the bank has nothing to do with the applicant, so the bank can deduct interest first when discounting. Usually, the discount rate of bank acceptance bills is much lower than the loan interest rate.

4. The parties are different. The parties to a general loan are banks, borrowers and guarantors (under a credit loan, there is no guarantor). The parties to discount are the bank, the discount applicant and each party whose signature is recorded on the bill.

5. The procedure is different. There are many preparations for loans and complicated procedures, such as opening an account, establishing a credit relationship, granting credit, pre-loan review, guarantor (property) evaluation and so on. The discount procedure is simpler than the loan. Generally speaking, as long as the bill is true and the basic trade background is true, you can apply for discount. Usually, the acceptance bills of banks in the same city can be discounted on the same day, and the acceptance bills of large banks in different places can be discounted for 3 days.

6. Different liquidity. After the loan is put into use, the transfer of loan rights will not occur under normal circumstances. After the bank obtains the bill right through discount, it can transfer the bill right through rediscount or rediscount according to its own operating conditions. Therefore, bill discount has strong liquidity.

7. Different credit entities. The credit subject of the loan is mainly the loan applicant, supplemented by other guarantors; After the bill is discounted, the first payer is the acceptor, so the credit subject of discount should be mainly the acceptor, supplemented by the discount applicant or other bill debtors.

8. The loan object is different. When the loan expires, the loan object is mainly the loan applicant, supplemented by the guarantor; However, when the discounted bill expires, the acceptor is the main one, supplemented by other bill debtors.

9. Accounting treatment is different from report treatment. After discount, the enterprise shows the decrease of bills receivable and the increase of monetary funds. After the bill is sold, it is not reflected in the balance sheet of the enterprise, but only explained in the "Contingencies" in the off-balance sheet note column, that is, "contingent liabilities formed by discounting commercial bills", which lists the contingent liabilities of the enterprise. After handling loans, enterprises show an increase in short-term or long-term loans and monetary funds, which is clearly reflected in the accounting statements.

Similarities and differences between refinancing and rediscounting

Re-loan refers to the loan issued by the central bank to commercial banks.

Rediscussion is the behavior that the central bank provides financing support to commercial banks by purchasing discounted but not yet expired commercial bills held by commercial banks.

Why is bill discount the way of bank loan?

Because acceptance bills are generally not available at that time, you have to wait until the maturity to get the money. You go to the bank to discount, which is equivalent to the bank paying you in advance, and the bank charges discount interest. For example, if you have an acceptance bill of RMB 65,438+10,000, the maturity date is 201kloc-0/2.30, but you are in urgent need of money now, you can take the ticket to the bank to discount it, and the bank will deduct a part of the discount interest according to the discount rate at that time, and then pay you the rest, that is, although your ticket is RMB100,000, but It's almost like paying interest on your loan.

What is a discount loan? Just make it clear to ordinary people.

Your answer is really troublesome ... let me tell you the essence.

An excuse for banks to make money by discounting. For example, if you borrow 100W from the bank, the bank said that it is difficult to realize that our bank's current quota is limited and we can't give it to you unless you are willing to issue a silver ticket for discount. After you agree

The bank lent you 100W, but the money was frozen in your account because it could not be taken away for the time being. If you want to take it away, you can give me a discount, so you will be cheated of more money, usually about 2.5% of the amount.

Those who set the rules in the bank are better than monkeys, and they can come up with a nice sentence in any way.

Second, the characteristics of refinancing?

Re-loan refers to the loan issued by the central bank to financial institutions to achieve the monetary policy objectives. China's refinancing has two meanings. Refinancing in a narrow sense refers to the general term for central bank loans to financial institutions. Broadly speaking, refinancing refers to the concept of refinancing, including bill rediscount. However, as one of the traditional tools of monetary policy, rediscount should be excluded from the scope of refinancing.

Third, the connection and difference between discount loans and general bank loans.

Contact: ① All of them are bank assets business; ② Both of them have certain risks; (3) Both banks can benefit. Differences: ① The parties to the credit relationship are different; ② Different risks; ③ Different terms; (4) Deduct interest before issuing discounted bills loans; Generally, bank loans pay the principal first and then interest. 5. Discounted bills loans can also withdraw funds in time without shoveling.

4. What are the concepts, contents and characteristics of discount loans and general loans?

1, different objects

Generally speaking, the object of discount refers to bills, while the object of bank loans refers to borrowers.

2. Different liquidity of funds

Due to the liquidity of the bill, the holder can discount it in a bank or discount company in exchange for funds. Generally speaking, the discount bank can only ask the payer for payment when the bill expires, but if the bank is in urgent need of funds, it can rediscount it to the central bank. However, the loan has a time limit and cannot be recovered before it expires.

3. Interest collection time is different.

When bills are discounted, the interest to be paid is deducted from the bill denomination, and the customer gets the amount after interest deduction, while the bank loan is recovered together with the principal when the loan expires, or the interest is charged according to the contract and different terms.