Because the bank acceptance bill is generally valid for six months, that is to say, the payment can be made to the other party after six months, but the goods can be received in advance (general enterprises do not accept payment after delivery), so the buyer will use the bank acceptance bill at this time, because the funds are insufficient or the enterprise itself needs more liquidity, so that the funds of the enterprise will not be too tight in the short term. This is a way of deferred payment, but the risk of suppliers will be much smaller in this way.

Bank acceptance bill is a kind of commercial bill. It is a bill in which a depositor opens a deposit account in an accepting bank, applies to the opening bank, accepts it after examination by the bank, and guarantees to unconditionally pay a certain amount to the payee or holder on the specified date. Accepting a commercial bill issued by the drawer is the credit support given by the bank based on the recognition of the drawer's credit standing.