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Why do enterprises sometimes draw and accept commercial bills to offset the payment and miscellaneous fees owed before?
1. Reduce costs: When the production and operation of the enterprise are normal and the funds are sufficient, as long as the other party accepts the bank acceptance bill, the enterprise can choose 100% deposit, that is, deposit the funds to be paid to the other party in the form of fixed term (usually 6 months), and then pledge them to the bank with fixed deposit certificates of the same amount and time (because of the order of operation time, the deposit certificates often expire first). If the enterprise has a bank loan, it can also replace part of the loan with a bank acceptance bill to reduce the cost by paying less loan interest.

2. Financing: Enterprises can use their credit standing in banks to open bank acceptance bills. According to the current banking regulations and the comprehensive factors of the enterprise itself, the margin ratio is generally 0-50%, assuming that it is 30%, then every time an enterprise applies for a bank acceptance bill 1 10,000, it only needs to deposit 300,000 yuan, thus achieving the goal of financing 700,000 yuan.

Third, other needs of enterprises: for example, to improve the asset structure of statements, it is necessary to increase monetary funds. At present, the bank deposits of many listed companies reflect a lot, but in fact, the funds that enterprises can "freely" use are not necessarily many, and most of the bank deposits have been converted into bank acceptance bills. For the "special" demand of bank-enterprise cooperation, some banks need deposits at a certain time, and enterprises, especially listed companies, need hours, so they can use bank acceptance bills to meet their respective needs. For example, at the end of the year, banks will give enterprises 654.38 billion bank acceptance bills, and enterprises will deposit 50% deposits. From the bank's point of view, while increasing 50 million bank deposits, there will be at least 50 million settlement guarantees in the future; From the perspective of enterprises, not only the bank deposits increased by 50 million, but also the disposable funds at the end of the year increased by 50 million (monetary funds increased from 50 million to 654.38 billion bank acceptance bills), which increased the payment ability of enterprises and further enhanced their external reputation.