Is it risky for Zigong Bank to accept bills of exchange?

No, Zigong Bank is a little slow, but it is still very safe!

The whole process embodies: 1, low interest-lower than market interest; 2, security-funds in one step, fast and convenient; 3. Convenience-provide door-to-door discount service. The company has been serious and responsible since it started this business.

I. Reasons why suppliers do not accept commercial acceptance

1, the payment function of commercial acceptance bills is not obvious. Commercial acceptance bills, as payment vouchers, should play the role of payment means and play the normal role of media commodity trading in reality. However, from the reality, most commercial acceptance bills hardly play this function, and they are discounted by cooperative banks and withdrawn from circulation after being issued, which alienates the purpose of commercial acceptance bills development and obtains low-cost financing tools. Play a role in replacing high-cost liabilities such as loans. From the survey of typical enterprises, some enterprises have replaced all loans with bills. Although this is beneficial for enterprises to reduce financing costs, it is not conducive to the reasonable and stable liabilities of enterprises and increases the liquidity risk of enterprises.

2. There are obstacles in the actual operation of commercial acceptance bills. Due to the influence of cognition and the restriction of the high cost of bill inquiry at present, and the fact that most enterprises can't fundamentally improve their operating conditions in the short term, commercial banks set a higher threshold when recommending pilot enterprises, such as requiring enterprises to provide a certain amount of deposit, which limits the number of enterprises offering commercial acceptance bills to some extent. At the same time, due to risk considerations, commercial banks have made strict regulations on their discount, which leads to cumbersome procedures for discount and rediscount.

3. The geographical restrictions of commercial acceptance bills are very strict. Judging from the actual use, at present, commercial acceptance bills are mainly issued locally, and there are few commercial acceptance bills issued from other places, because if the supplier is a local enterprise, it is easier to accept commercial acceptance bills issued by the buyer, and it can also be discounted at the local bank when the funds are insufficient. When the supplier is a foreign company, the foreign company cannot accurately understand the true credit status of the card issuing enterprise. They are usually reluctant to accept commercial acceptance bills. Even if it is reluctantly accepted, it is quite difficult to handle local discount or endorsement transfer to other enterprises. It is too troublesome to expect bank coordination, which affects the circulation and development of commercial banks' acceptance bills.