I just know that accounts receivable financing and acceptance bills are not divided by most people.
Lao Wang sold watermelons to Lao Li, and Lao Li wrote an IOU of RMB 1 0,000, which was clearly written in black and white, and will be returned after 1 year.
Lao Wang took this iou to the village chief Wang Fugui and said, "Fu Gui, can you lend me 10,000 yuan? It's not me who can't afford it. Look, I have a 10,000 IOU from Lao Li. I'll give it to you. If I don't pay you back by then, you can ask Lao Li for money with an iou. "
Wang Fugui looked at Lao Wang for a while and said, "Yes, you can't borrow this money for nothing. I'll give you 9500, and I'll ask Lao Li for this 10 thousand. "
So Lao Wang gave the IOU to Wang Fugui, and made it clear that Wang Fugui would collect money in the future, and then took away 9500 yuan to buy fertilizer.
In this scenario,
In the story, all you have to do is
Let's see another story.
Zhao did not go out to work this year. He began to raise pigs, repair pigsty and buy pig breeds in the village. He prepared 6.5438+million start-up capital of only 40,000 yuan.
But it costs100000 to buy pig feed. What should I do?
Zhao found Zhu Laoba, who sells pig feed, and said, "Look at my thirty pigs, Zhu. It will definitely sell for more than 200,000 by the end of the year. Can you give me 100 thousand feed on credit, and I'll give you an iou and pay you back at the end of the year? "
He touched his chin, thought for a moment and said, "Brother Wang Cai, you have worked in other places for many years. I really don't know if you are reliable. If one day a moth suddenly catches fire, your ass slaps, and you go out to work, where can I find you? " I dare to give you credit unless you find someone to vouch for you. "
. . . . .
Zhao went back to the village and wondered who could testify. After much deliberation, he had to go to Wang Fugui, the village chief, who has always been loved and often helped people to adjust and guarantee. When he was working in other places, he also brought back life-saving medicines to Wang Fugui's family.
So, I found the village chief Wang Fugui and explained my purpose.
Hearing this, the Wang Fugui guaranteed 100,000 yuan, and he was a little panicked.
"Wang Cai, this thousand is not a small sum. I know you are eager to start a business, and I really want to help you. Tell me, you still have a lot of money. "
Zhao: "There are still 40,000, and I dare not spend them all. I have to buy forage. "
Wang Fugui: "Well, you bet thirty thousand dollars on me first, and I'll tell him to come to me for money at the end of the year. However, you have to give me 70 thousand yuan at the end of the year. "
Zhao smiled and held hands and said, "Thank you, village chief, for helping me guarantee 70,000 yuan. I will give you 7 1 at the end of the year. "
He personally came forward to guarantee and wrote a letter of guarantee, and also gave Zhao a feed fee of 6.5438 million yuan. Wang Cai began to concentrate on raising pigs.
. . . . .
Six months later, before the end of the year, he found Wang Fugui as a guarantor and said, "Now the cash flow is not working. Can you give me the money first? I know I should come to you for money at the end of the year. what do you think? Just give me 95 thousand. You will earn 5 thousand when you get the money at the end of the year. "
I felt that since I made a guarantee, I should also pay back the money, so I took 65,000+30,000 from there to Zhu.
Fortunately, at the end of the year, the pigs in Wang Cai were released smoothly. He returned 70,000 yuan to the village head as promised, and gave the village head Wang Fugui a red envelope of 1000 yuan, thanking him for his great help.
Wang Fugui, a calculate, this guarantee for a year, also earned six thousand yuan, happily ate the twist.
In this story.
Comparing these two stories, is it obvious that the latter story is much longer? This is bank acceptance, and the procedure is actually much more complicated.
In the story, all you have to do is
After reading the story, let's talk about the difference between accounts receivable financing and acceptance.
In the story of raising pigs, Wang Fugui, the village chief, really solved the problem of lack of trust between Wang Cai and Zhu Laoba. This is what banks do in accepting bills of exchange. To put it bluntly, it is
Maybe you will say that in the story of raising pigs, money was also borrowed, and it was quite a lot, but in fact, if Zhu didn't want to ask for money six months in advance, he didn't have to pay a penny.
Welcome to correct me.