The state stipulates the deposit collection ratio of commercial bank guarantee companies.

1. General banks will charge 50% deposit. In addition to the deposit collected by the bank, you can ask the guarantee company to guarantee and pay a certain guarantee fee to the guarantee company.

It is definitely unnecessary to open a full deposit. After the bank pays the deposit, the deposit will be deposited in the deposit account before accepting the bill, and the bank will automatically deduct it when accepting the bill.