1. According to China Travel. Com, the header of financial bills has changed from bank acceptance bills to financial company acceptance bills. Risk control: banks need to take higher risks when accepting bills, because the acceptor of bills is the bank itself. If the draft cannot be cashed, the bank needs to bear the corresponding losses. As a professional financial institution, financial companies have stronger risk control ability and better manage and control the risk of bills of exchange.
2. Capital cost: Banks need to occupy their own funds when accepting bills of exchange, which will increase the capital cost of banks. Finance companies can raise funds by issuing bonds, so as to reduce the cost of funds. Finance companies can accept bills of exchange at lower cost, thus providing customers with more favorable prices.
3. Market demand: In some cases, customers may be more inclined to get bills accepted by finance companies, and the reputation and reputation of finance companies may be better, or the services provided by finance companies are more in line with customers' needs.