2. Intermediaries take money directly to collect tickets, and also take the bank to collect tickets. For example, ICBC, Bank of China and other big banks generally hold them themselves and pay them at maturity. General credit cooperatives and city commercial banks are limited by the scale of funds, and generally discount tickets to other banks. For enterprises, looking for an intermediary is generally a naked ticket operation, with one hand paying the ticket and one hand getting the money, without providing any information.