Bank acceptance bill pledge loan takes pledged bank acceptance bill as the second repayment source. With the help of bank credit, the bank promised to pay unconditionally as a guarantee. Even if the borrower loses the first repayment source, the pledged bills will be transferred in the secondary market or discounted to the acceptance bank in advance to obtain repayment funds. For lenders, there is no risk, and it is one of the products with the highest safety factor in P2P peer-to-peer lending on the market.

Electronic bank acceptance bill is the inheritance and development of paper bank acceptance bill. There is no difference between electronic bank acceptance bill and paper bank acceptance bill in terms of bill rights and obligations. The difference is that the electronic bank acceptance bill replaces the original paper physical bill in the form of data message, replaces the entity signature with electronic signature, replaces the manual transmission with network transmission, and replaces the manual writing with computer input, thus realizing the complete electronization of bill business processes such as bill issuance, circulation and payment. By adopting electronic signature and reliable security authentication mechanism, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risk of bills being cloned, altered, forged, lost and damaged. The issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount and other bill behaviors of electronic bank acceptance bills are carried out on the electronic commercial bill system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and commercial efficiency.

The longest acceptance period of electronic bank bills is extended from 6 months to 1 year, and the maximum bill amount is enlarged from 1 billion yuan to 1 billion yuan. Good liquidity and strong short-term financing ability are very helpful for group enterprises to reduce financial expenses.

The successful launch of electronic commercial bill of exchange system is another important measure of financial innovation.

Adoption. Oh, thank you