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Traditional Bill Discount
 
Discount of Commercial Drafts
 
Rediscount of Commercial Drafts
 
Rediscount of Commercial Drafts
 
 
 Definition:
 
Discount of commercial drafts refers to a financing way that bearer transfers the discount commercial drafts undue to our bank and our bank pays the balanced capital to enterprises after deducting discount interests according to the amount of the face value.

Features:
1、An act of transferring bills;
2、A means of financing funds of enterprises;

Requirements of Applicants:
1、Being enterprise legal persons or other legal economic organizations that are engaged in business activities;
2、Truthfulness, legality and validity of the vouchers of commercial drafts held by applicants and continuity and completion of endorsements;
3、Having real commodity transaction relationship with drawer or their direct prior parties;
4、Good operational and financial situations and no bad records;

Business Procedure:
1、Conducting preliminarily examinations of the bills after customers apply for discount to our bank;
2、Customers’ provision of basic materials, commodity transaction contracts, invoices and other relevant materials;
3、Examining discount qualifications and commodity transaction backgrounds of customers;
4、Examining the truthfulness of bills and sending inquiries to acceptance houses;
5、Proceeding to approval after confirming the truthfulness and validity of bills;
6、Releasing discount charges after deducting discount interests;

 
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