Which banks are the first-class banks that accept bills of exchange? Are they the top five banks in China? Besides, what other banks are an acceptance?

Accept shares from different countries: a class of big businessmen (a class of big businessmen are generally incorporated into state shares), a class of commercial banks, a class of secondary and a class of tertiary credit cooperatives.

A class of large enterprises: (State-owned shares) are divided into five major banks: Industrial and Commercial Bank, Agricultural Bank, China Bank, China Construction Bank and Bank of Communications.

In addition to the five major banks, there are China Everbright Bank, China CITIC Bank, China Guangfa Bank, Shanghai Pudong Development Bank, Industrial Bank, China Merchants Bank, Huaxia Bank and Shenzhen Development Bank.

Supplementary information:

First-class commercial banks: Bank of Beijing, Bank of Shanghai, Zheshang Bank, bank of tianjin and these basic banks have high credit ratios.

The second category is generally some city commercial banks, most of which are place names+banks, such as Bank of Zhengzhou. The third category is rural commercial banks and rural cooperative banks, and the next category is credit cooperatives.

Extended data:

I. Bank acceptance of draft loans

Bank acceptance bill is a kind of long-term payment bill issued by the bank on behalf of the payer, and the bank has the obligation to pay it at maturity; A commercial acceptance bill is a long-term payment bill issued by the payer. Because there is no bank guarantee, the credit is lower than the bank acceptance bill. The maximum term of the two bills is six months, and the bills can be endorsed and transferred within the term. We usually encounter bank acceptance bills.

Financing obtained by discounting bank acceptance bills is a loan in the form of pledge of negotiable instruments.

Second, the classification:

Acceptance bills can be divided into bank acceptance bills and commercial acceptance bills. At the same time, according to the existing forms, bills can be divided into paper acceptance bills and electronic acceptance bills.

A bank acceptance bill is an order issued by a creditor asking the debtor to pay. When this bill is promised by the bank, it becomes a bank acceptance bill. As a short-term financing tool, bank acceptance bills generally range from 30 days to 180 days, and 90 days is the most common. Bank acceptance bills are issued by depositors who open deposit accounts in the acceptance bank.

Accepting a commercial bill issued by the drawer is the credit support given by the bank based on the recognition of the drawer's credit standing. The maximum face value of bank acceptance bills in China is 65.438+0 billion yuan (the face value encountered in practice is 65.438+0 billion yuan).

3. Is the acceptance bill a deposit or a loan?

Bank acceptance bills belong to loans, and when they are issued, banks issue credit lines according to contracts. But the deposit you made when you issued it belongs to the deposit.