What is the bill business of the bank?

Bank's bill business mainly refers to the issuance, acceptance and discount of bank bills, as well as the exchange and transfer of various checks. Bill business refers to the daily business activities of credit institutions to open, transfer and pay bills according to certain methods and requirements. It mainly includes bill acceptance, discount and bill mortgage loan business. Bill business is the traditional asset business of banks.

1. Your bank transfer service belongs to bill business.

2. Your cheque cashing belongs to the bill business of the bank.

3. Your bill mortgage belongs to bill business.

1. Because of its high risk, many banks can only handle the bill business in the business department above the county branch. Business outlets usually divide counters into savings, inter-bank and so on. Bill business belongs to banks.

2. As a part of the intermediary business, the accepting bank has relaxed the examination and relaxed the conditions, and issued a large number of bank acceptance bills with super capacity, which caused the bank's credit to expand extremely and caused the risk that the acceptance would not expire in advance. Risk of bill storage. That is, the risk of damage, loss or theft of bills caused by improper storage. Bill depository risk is accompanied by blank bill depository risk, bank acceptance bill depository risk, discounted bill depository risk, transfer bill depository risk and bill handover risk in the whole process of bill business. Cause analysis of bill business risk. Excessive competition of commercial banks in the bill market is the fundamental reason for the risk accumulation of bill business. The transaction in the bill market is the demand for funds by enterprises that supply and demand bills. Commercial banks provide funds as demand for bills. Only when commercial banks generate demand for bills can they complete the supply of funds, otherwise the transaction cannot be realized.

3. A bank draft is a bill issued or paid by a bank. Mainly includes: cashier's checks, bank drafts, checks issued by banks, etc. After a commercial bill is accepted by a bank, the bank becomes the first payer of the bill, so it also has the nature of a bank bill. Bank draft is a bill paid by the drawer (bank) himself; A bank draft is a remittance voucher issued by a bank, which is sent by the remitter to the overseas payee and collected by the remitter. Bank check is also a kind of debt securities of banks, but compared with cashier's check and bank draft, it can replace cash flow for larger-scale transfer.