There are five main ways to earn interest in the bill acceptance business, but unfortunately many people do not know, and friends who know the acceptance bill should have heard that some companies or individuals earn the middle price difference by reselling the acceptance bill. If you ask them what the specific principle is, how to earn the specific operation, many people may not be clear, or do not want to talk more, today I will mainly talk about this topic.
How to earn interest differentials in bill acceptance business
Under normal circumstances, if an enterprise urgently needs cash and only has acceptance bills on hand, it will go to some companies or individuals who specialize in "discounting acceptance bills", which we call "private discounting". Often, these companies or individuals will have some relationships in the bank, or know more enterprises, and they can quickly discount the acceptance bill in their hands in the bank, or give it to another enterprise, and earn a certain difference.
So how do acceptance bill intermediaries make money?
Generally, it is done in the following five ways:
1. Sell the acquired bank acceptance bills to enterprises that need to pay for the goods to earn the difference in price. (Commonly known as "ticket sellers", this is the most common way to maximize benefits.) )
How to earn interest differentials in bill acceptance business
2. Hold the received bank acceptance draft until maturity. In this case, the profit is generally the lowest. (Generally, no one wants to do this, the profit is low, the cycle is long, and the capital is pressed)
3. The bill intermediary directly applies to the bank for the acceptance bill, and then resells it to the next house.
Fourth, the bill intermediary will directly issue the received bills to the bank. (This generally depends on the maturity date of the bill)
Fifth, the bill intermediary collects the bill by the enterprise and discounts it directly through the bill platform.
Some people will wonder why enterprises don't go directly to the bank for discounting? Why do they need to find an intermediary? Generally speaking, if the acceptance bill is not yet due, and the enterprise wants to discount it immediately, the bank will charge a certain discount interest and handling fee, and the earlier the discount is in advance, the higher the discount interest will be, and the discount interest in the middle of the new one-year or six-month discount will be much less. From the consideration of cost, enterprises will not choose banks, but choose some bill intermediaries that charge discount interest or lower handling fees. In addition, from the perspective of time, the processing time of finding a bill intermediary is shorter than that of the bank, and the procedures are simpler.
How to earn interest differentials in bill acceptance business
It is precisely because of these advantages that there are many companies or individuals who make a living by reselling private acceptance bills.
(Tianxiatong Commerce and Trade - your personal bill expert, the pioneer of bill Q&A, no longer confused in the face of commercial bill financing, pay attention to the "Make Electric Bill Learning Easier" Douyin account, and get a full set of "Commercial Bill Cannot Be Redeemed When Due")