Silver bills, financial bills and commercial bills are three different electronic commercial bills, their main difference lies in the difference between the subject and acceptor of the bill.
What are the differences between silver bills, financial bills and commercial bills?
A bank bill is an electronic bank acceptance draft issued by a bank, with the bank as the acceptor. The creditworthiness and solvency of a banknote are usually higher because banks are financial institutions with abundant sources of funds and high credit ratings. The liquidity and security of silver bills are also relatively high, and they can be used as an important tool for inter-enterprise fund settlement.
What are the differences between silver bills, financial bills and commercial bills?
A financial bill is an electronic bank acceptance draft issued by a financial company, with the financial company as the acceptor. A finance company is a non-bank financial institution that specializes in providing financial services within a corporate group, and its source of funds and credit rating are lower than those of banks. Therefore, the liquidity and security of financial bills are relatively inferior to those of silver bills, but they can still be used as a way of inter-enterprise fund settlement.
Commercial bill is an electronic commercial draft issued by an enterprise, with the enterprise as the acceptor. The essence of a commercial bill is an IOU issued by an enterprise, so its credibility and solvency are closely related to the strength and credit status of the issuing enterprise. The liquidity of commercial bills is poor, the discount rate is also high, and there is a risk that it cannot be redeemed or deferred at maturity, so it needs to be carefully considered when receiving.
What are the differences between silver bills, financial bills and commercial bills?
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