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Today we come to the knowledge review,
Banker's Acceptance Bill Margin Ratio,
Move the small bench and see how much you remember.
What are the differences between full and open silver tickets?
What is the difference between a full and open silver ticket? After reading the knowledge, we know that the bank acceptance bill margin refers to the guarantee of the bank acceptance bill due to the funds that the drawer of the bank acceptance bill needs to pay according to the different credit ratings of the opening bank (acceptance bank) when the enterprise applies to the opening bank for the bank acceptance bill business.
According to the credit rating and capital situation of the applicant enterprise, the bank requires the enterprise to deposit a certain percentage of the margin, and the margin ratio varies from 0%~100% based on the credit status of the enterprise. According to the different margin ratios, bank acceptance bills are divided into full margin bank acceptance bills and open margin bank acceptance bills.
Full margin bank acceptance
A full margin bank acceptance bill refers to a bank acceptance draft with the principal amount of the margin equal to the par amount. For banks, this business is a low-risk business, with no risk exposure and no bank credit; For enterprises, because it does not involve bank credit approval, the application procedure is simple and fast, and compared with cash payment, it can increase the margin interest income.
The profit and loss of the enterprise using the full margin bank acceptance bill should be calculated, and the interest income of the margin deposit exceeds the commercial discount provided by the seller, that is, the income of the margin deposit can make up for the loss of price preference due to the settlement of the bill.
What are the differences between full and open silver tickets?
Exposure Margin Banker's Acceptance
Exposure margin bank acceptance bill refers to a bank acceptance bill whose principal amount is insufficient to cover the par amount. For banks, this business is a credit business, and the enterprise must submit the corresponding application documents for working capital loans to the bank.
For example, if an enterprise applies to the bank for the issuance of a bank acceptance bill with a face amount of 10 million, a term of 6 months, and a margin ratio of 30%, it means that the enterprise uses 3 million as a margin to finance 7 million yuan from the bank, that is, the bank is equivalent to issuing a working capital loan of 7 million yuan with a term of 6 months to the enterprise.
Some commercial banks will charge a certain percentage of the exposure commitment fee according to the exposure amount, so the handling fee of the bank acceptance bill for the exposure margin is high, and the specific charging standard varies from bank to bank and from enterprise to enterprise.
CommonWealth Business Alert:
When the bank acceptance bill is exposed, the customer shall apply to the local branch for processing. If an enterprise needs to handle the business of bank acceptance bill exposure, it can first go to the bank for consultation.
What are the differences between full and open silver tickets?
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(Tianxiatong Commerce - your personal bill expert, the leader of bill service, no longer confused in the face of commercial bill financing)