There are four reasons why enterprises will pay the full amount of the deposit to issue invoices?
There are 4 reasons why enterprises will pay the full margin for invoicing?
1. Delay the outflow of funds. The invoicing payment of the enterprise is essentially a voucher for forward payment to the upstream supplier, which is similar to a statutory IOU. Assuming that the invoice amount is 1 million, the annual interest rate is 3%, and it matures after half a year, the interest income is 15,000. In this way, it increases the liquidity of the enterprise and also helps the enterprise to carry out financial operations.
2. Invoicing arbitrage. When the deposit rate is greater than the discount rate, there will be room for arbitrage. Billing arbitrage is essentially achieved by taking advantage of the deposit interest rate being greater than the discount rate. For example, if the deposit rate is 3% and the discount rate is 2% per annum, there will be an interest rate difference of about 1%.
There are 4 reasons why enterprises will pay the full margin for invoicing?
3. Optimize financial statements. The need to optimize the financial statements is generally relatively large enterprises, through the issuance of bank acceptance bills, can increase the company's monetary funds, whitewash the financial statements, so that the enterprise looks more powerful. For example, if a company shows hundreds of millions of cash on its books, but it can't even cash in dividends of 10 million or 20 million, then the money in the account is likely to be the invoice margin accepted by the bank.
4. Complete the task of collecting and storing. After the bank lends money to the enterprise, the enterprise deposits it in the bank as a deposit, and at the same time issues a bank acceptance bill to the enterprise, so that the enterprise needs to pay less funds, and the bank's deposit task rate is also increased accordingly. Or in order to cooperate with the bank to complete the deposit task, the enterprise directly uses the full margin to issue invoices, if the enterprise does not cooperate, it may face an increase in the loan interest rate or a decrease in the credit line.
There are 4 reasons why enterprises will pay the full margin for invoicing?
To sum up, it is beneficial for enterprises to pay full margin and issue bank acceptance bills for enterprises and banks. Do you agree? Your attention, comments + likes are the biggest motivation for my creation.
(Tianxiatong Trade - your personal bill expert, the pioneer of answering bill questions, no longer confused in the face of the pain and difficulty of commercial bills)