Legal analysis: It is an illegal act. Applicants for discounting bank acceptance bills can only be corporate legal persons or other economic organizations that are registered and valid in accordance with the law. Private individuals are not qualified and this is an illegal operation

Legal basis: Article 225 of the Criminal Law of the People's Republic of China and the People's Republic of China violates national regulations and commits one of the following illegal business activities: Anyone who disrupts market order and the circumstances are serious shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also or solely be fined not less than one time but not more than five times the illegal income; if the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than five years and shall be fined not less than one time the illegal income. A fine of not less than five times but not more than five times or confiscation of property:

(1) Operating franchises, monopoly items or other restricted items as prescribed by laws and administrative regulations without permission;

(2) ) Buy and sell import and export licenses, import and export certificates of origin, and other business licenses or approval documents stipulated in laws and administrative regulations;

(3) Illegal operations of securities and futures without the approval of the relevant national competent authorities , insurance business, or illegally engaging in fund payment and settlement business;

(4) Other illegal business activities that seriously disrupt market order.