| 单词 | Bank bill |
| 释义 | 銀行票據 A discounted bank-accepted bill of exchange; a short-term borrowing facility guaranteed by a bank. A bank bill resembles a cheque drawn by a borrower who seeks funds from a bank. It is a promise by the borrower to pay the face value of the bill to the bank on a specified future date, usually 90 to 180 days ahead. In return, the bank advances the funds required. It buys the bill at a discount and credits the borrower’s account with the discounted amount, imposing bank and other changes. The discount is calculated by applying to the face value of the bill the discount rate that is current for bills due to be paid around the same time. On the due date, the face value of the bill must be repaid to the bank. See also Bank bill future; Bill of exchange; Discount. 一張折扣計算並由銀行收取的匯票；一種由銀行保證的短期借貸服務。銀行票據跟擬向銀行融資的借款人所開立的支票相似。銀行票據是借款人作出的承諾，即承諾在將來指定的日期（通常是相隔90至180日），按照票據上的面值，付還款項。銀行方面則會墊付所須的款項。銀行先以折扣價購買票據，然後把這個經折扣的款項存入借款人戶口內，並收取銀行及其他費用。折扣的計算方式是：以現行大概同時應繳的票據的折扣率適用於票據的面值。必須在票據到期之日按照票據的面值付還銀行。另見 Bank bill future; Bill of exchange; Discount。 |
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