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1. Compared with general loans, the cost of obtaining funds through bank acceptance bill discount is low. my country's deposit and loan interest rates are not yet fully market-oriented, and there are minimum restrictions on loan interest rates, but the discount and rediscount rates are basically market-oriented and determined by market supply and demand.

Generally speaking, the discount rate is 2 to 3 percentage points lower than the loan rate. In this way, plus the 0.5‰ billing fee for bank acceptance bills, the cost of obtaining funds for financing bills is much lower than that of general loans, causing companies to fabricate trade backgrounds to obtain bank discount funds in order to reduce financing costs.

Since the main risk of bank acceptance bill business lies with the issuing bank, the financing bill discounting funds are equivalent to the credit funds of the issuing bank. After the discounting bank verifies the authenticity of the bill through inquiry, the discounting funds are basically risk-free and are generally regarded as the company's own funds. The discounting bank basically does not monitor the use of discounting funds, especially when the company discounts at other banks in different places. In this way, the financing bill discounting funds can easily escape the supervision of banks and regulatory authorities and can be used freely and without restrictions by enterprises.

2. Measures taken by the banks themselves in the face of competition.

In the current fierce market competition, in order to retain large and high-quality customers, banks take the initiative to open financing bank acceptance bills for them to help them reduce financing costs. At the same time, when banks are short of funds, they also adopt the method of opening bank acceptance bills to help customers obtain discount funds from other banks.