With the development of commercial acceptance bills in full swing, the new form of electronic bills of exchange has
become
the mainstream of commercial acceptance bills. When contacting electronic acceptance bills, we need to know more about electronic acceptance bills, such as what is electronic acceptance bills, how to use, how to operate, etc. The following is a brief explanation of electronic commercial acceptance bills. Interested friends may wish to read patiently.
1. What is an electronic acceptance bill?
In the past, all contacts were paper bills, that is, paper bank acceptance bills, but what is electronic acceptance bill now? What's the difference from the previous one? In fact, the electronic bank acceptance bill is the inheritance and development of the paper bank acceptance bill. There is no difference in the rights and obligations of the bill embodied by the two, but it is different from the previous one in terms of storage form, endorsement method, and signature. Electronic bank acceptance bills replace the original physical paper bills in the form of data messages, replace physical signatures with electronic signatures, replace manual transmission with network transmission, and replace manual writing with computer input. The complete electronic process of the process mainly relies on the electronic commercial draft system. The electronic bank acceptance draft can ensure its uniqueness, integrity and security by using electronic signatures and a reliable security authentication mechanism, which reduces the possibility of bills being cloned, altered, and forged. As well as various risks such as loss and damage; electronic bank acceptance bills are issued, guaranteed, accepted, delivered, endorsed, pledged, discounted, re-discounted, and re-discounted. Bill circulation efficiency, reduce labor and financial costs, and effectively improve financial and business efficiency.
2. How to operate the electronic acceptance bill?
Electronic acceptance bills complete the circulation of bills by electronic means. The main circulation nodes include customers, account opening banks or account opening financial companies, and the People's Bank of China Electronic Commercial Draft System. Each transfer behavior generally includes two actions: behavior application and behavior reply. There are two types of behavioral responses: sign-off (approval of the behavioral application) and rejection (rejection of the behavioral application). The system also supports the applicant to initiate revocation operations, and the applicant's revocation operations and the recipient's reply operations are processed on a time-first, first-come-first-served basis.
3. How to handle the enterprise electronic acceptance bill, and what is the process?
(1) Open a RMB bank settlement account in a bank or an account in a financial company;
(2) Have the organization code of the People's Republic of China;
(3) Have a digital certificate and be able to issue an electronic signature;
(4) Except for the access bank, The parties to the bill other than the Access Finance Company shall sign the Electronic Commercial Draft Business Service Agreement with the Access Bank and the Access Finance Company.
4. How to use the electronic acceptance bill?
Similar to paper acceptances, enterprises using electronic acceptances must follow the "Negotiable Instruments Law" and other relevant laws and regulations, follow the principle of good faith, have a real transaction background and creditor's rights relationship, and open a RMB bank settlement account in a commercial bank. However, due to the particularity of electronic acceptance bills, enterprises using electronic acceptance bills must also meet the following conditions: First, they must have the organization code of the People's Republic of China; second, they must have the basic technical conditions for handling electronic acceptance bills. Internet banking corporate customers of commercial banks, etc.; thirdly, the selected bank can provide electronic acceptance bill services, and sign the "Electronic Commercial Bill Business Service Agreement" with the deposit bank to clarify the rights and obligations of both parties. After meeting the above conditions, the enterprise can handle the electronic acceptance bill business through its account bank.
5. How to ensure the safety of online electronic acceptance bills?
Compared to paper acceptances, using electronic acceptances is more secure. The security of the electronic acceptance bill is mainly reflected in:
(1) The electronic acceptance bill is centrally registered and processed in the electronic commercial draft system, and only one ticket exists; at the same time, the access bank, access financial company and the electronic commercial draft system maintain Consistently, provide customers with accurate bill information and services. Tickets only exist in electronic form, which can prevent losses caused by cloning, counterfeit tickets, lost tickets, and defaced tickets.
(2) The electronic acceptance bill system adopts the electronic signature mechanism recognized by the Electronic Signature Law of the People's Republic of China to replace paper signatures, which improves the accuracy of signatures and avoids losses caused by forging official seals or special seals.
(3) Only the holder of the bill has the right to operate the bill, and the system checks and verifies the holder of each bill act.
6. What is the maximum bill amount supported by the electronic commercial bill system?
At present, the maximum amount of bills supported by the electronic commercial draft system is 1 billion yuan, which the People's Bank of China can adjust as needed. Commercial banks and financial companies can set the maximum amount of bills supported by their units within this limit.
7. How long is the term of electronic acceptance bills?
The "Measures for Payment and Settlement" stipulates that the maximum payment period for commercial drafts shall not exceed 6 months, while the "Administrative Measures for Electronic Commercial Bills Business" extends the maximum payment period for electronic acceptance bills to one year. This provision is mainly for the following reasons:
(1) Unblock the financing channels of enterprises. The 6-month financing period is far from meeting the requirements of the enterprise. Properly extending it is beneficial to the development of the enterprise and enhances the financing ability of the enterprise.
(2) Improve the profitability of financial institutions' bills. Extending the payment term will directly extend the financing term and directly improve the profitability of financial institutions' bills.
(3) Active bill market. Under the circumstance that the issuance volume of commercial bills itself has not increased significantly, the number of tradable bills in the bill market can be increased by extending the trading period of bills.
(4) Promote the development of electronic acceptance bill business. Extending the maximum payment period of electronic acceptance bills to one year is more attractive to enterprises, and the financial pressure of enterprises is also smaller. Therefore, this policy is of great significance to promote the development of electronic acceptance bills business.
8. How to cash the bank acceptance bill when it expires?
Before the expiration date of the bill, the bearer will endorse and transfer the right of the bill to a bank or a financial company. After deducting a certain interest, the electronic acceptance bill will be discounted, and the agreed amount will be paid to the bearer. After the electronic acceptance bill expires, the The drawer shall present the payment to the acceptor through the electronic commercial draft system business, recover the payment and exercise the right to the bill. Different from the entrusted collection method in which the paper acceptance bill holder entrusts the account opening bank bill to be mailed or exchanged to the acceptor to request payment, the electronic acceptance bill for prompt payment is safer, more convenient and faster than the paper acceptance bill entrusted collection.
9. Where can I inquire about electronic bank acceptance bill information (such as electronic acceptance bill sample, electronic acceptance bill price, etc.)?
When banks and financial companies handle the discount, re-discount, pledge and other businesses of electronic acceptance bills, they can inquire about the relevant information of bills through the electronic commercial bill system.
1. What is an electronic acceptance bill?
In the past, all contacts were paper bills, that is, paper bank acceptance bills, but what is electronic acceptance bill now? What's the difference from the previous one? In fact, the electronic bank acceptance bill is the inheritance and development of the paper bank acceptance bill. There is no difference in the rights and obligations of the bill embodied by the two, but it is different from the previous one in terms of storage form, endorsement method, and signature. Electronic bank acceptance bills replace the original physical paper bills in the form of data messages, replace physical signatures with electronic signatures, replace manual transmission with network transmission, and replace manual writing with computer input. The complete electronic process of the process mainly relies on the electronic commercial draft system. The electronic bank acceptance draft can ensure its uniqueness, integrity and security by using electronic signatures and a reliable security authentication mechanism, which reduces the possibility of bills being cloned, altered, and forged. As well as various risks such as loss and damage; electronic bank acceptance bills are issued, guaranteed, accepted, delivered, endorsed, pledged, discounted, re-discounted, and re-discounted. Bill circulation efficiency, reduce labor and financial costs, and effectively improve financial and business efficiency.
2. How to operate the electronic acceptance bill?
Electronic acceptance bills complete the circulation of bills by electronic means. The main circulation nodes include customers, account opening banks or account opening financial companies, and the People's Bank of China Electronic Commercial Draft System. Each transfer behavior generally includes two actions: behavior application and behavior reply. There are two types of behavioral responses: sign-off (approval of the behavioral application) and rejection (rejection of the behavioral application). The system also supports the applicant to initiate revocation operations, and the applicant's revocation operations and the recipient's reply operations are processed on a time-first, first-come-first-served basis.
3. How to handle the enterprise electronic acceptance bill, and what is the process?
(1) Open a RMB bank settlement account in a bank or an account in a financial company;
(2) Have the organization code of the People's Republic of China;
(3) Have a digital certificate and be able to issue an electronic signature;
(4) Except for the access bank, The parties to the bill other than the Access Finance Company shall sign the Electronic Commercial Draft Business Service Agreement with the Access Bank and the Access Finance Company.
4. How to use the electronic acceptance bill?
Similar to paper acceptances, enterprises using electronic acceptances must follow the "Negotiable Instruments Law" and other relevant laws and regulations, follow the principle of good faith, have a real transaction background and creditor's rights relationship, and open a RMB bank settlement account in a commercial bank. However, due to the particularity of electronic acceptance bills, enterprises using electronic acceptance bills must also meet the following conditions: First, they must have the organization code of the People's Republic of China; second, they must have the basic technical conditions for handling electronic acceptance bills. Internet banking corporate customers of commercial banks, etc.; thirdly, the selected bank can provide electronic acceptance bill services, and sign the "Electronic Commercial Bill Business Service Agreement" with the deposit bank to clarify the rights and obligations of both parties. After meeting the above conditions, the enterprise can handle the electronic acceptance bill business through its account bank.
5. How to ensure the safety of online electronic acceptance bills?
Compared to paper acceptances, using electronic acceptances is more secure. The security of the electronic acceptance bill is mainly reflected in:
(1) The electronic acceptance bill is centrally registered and processed in the electronic commercial draft system, and only one ticket exists; at the same time, the access bank, access financial company and the electronic commercial draft system maintain Consistently, provide customers with accurate bill information and services. Tickets only exist in electronic form, which can prevent losses caused by cloning, counterfeit tickets, lost tickets, and defaced tickets.
(2) The electronic acceptance bill system adopts the electronic signature mechanism recognized by the Electronic Signature Law of the People's Republic of China to replace paper signatures, which improves the accuracy of signatures and avoids losses caused by forging official seals or special seals.
(3) Only the holder of the bill has the right to operate the bill, and the system checks and verifies the holder of each bill act.
6. What is the maximum bill amount supported by the electronic commercial bill system?
At present, the maximum amount of bills supported by the electronic commercial draft system is 1 billion yuan, which the People's Bank of China can adjust as needed. Commercial banks and financial companies can set the maximum amount of bills supported by their units within this limit.
7. How long is the term of electronic acceptance bills?
The "Measures for Payment and Settlement" stipulates that the maximum payment period for commercial drafts shall not exceed 6 months, while the "Administrative Measures for Electronic Commercial Bills Business" extends the maximum payment period for electronic acceptance bills to one year. This provision is mainly for the following reasons:
(1) Unblock the financing channels of enterprises. The 6-month financing period is far from meeting the requirements of the enterprise. Properly extending it is beneficial to the development of the enterprise and enhances the financing ability of the enterprise.
(2) Improve the profitability of financial institutions' bills. Extending the payment term will directly extend the financing term and directly improve the profitability of financial institutions' bills.
(3) Active bill market. Under the circumstance that the issuance volume of commercial bills itself has not increased significantly, the number of tradable bills in the bill market can be increased by extending the trading period of bills.
(4) Promote the development of electronic acceptance bill business. Extending the maximum payment period of electronic acceptance bills to one year is more attractive to enterprises, and the financial pressure of enterprises is also smaller. Therefore, this policy is of great significance to promote the development of electronic acceptance bills business.
8. How to cash the bank acceptance bill when it expires?
Before the expiration date of the bill, the bearer will endorse and transfer the right of the bill to a bank or a financial company. After deducting a certain interest, the electronic acceptance bill will be discounted, and the agreed amount will be paid to the bearer. After the electronic acceptance bill expires, the The drawer shall present the payment to the acceptor through the electronic commercial draft system business, recover the payment and exercise the right to the bill. Different from the entrusted collection method in which the paper acceptance bill holder entrusts the account opening bank bill to be mailed or exchanged to the acceptor to request payment, the electronic acceptance bill for prompt payment is safer, more convenient and faster than the paper acceptance bill entrusted collection.
9. Where can I inquire about electronic bank acceptance bill information (such as electronic acceptance bill sample, electronic acceptance bill price, etc.)?
When banks and financial companies handle the discount, re-discount, pledge and other businesses of electronic acceptance bills, they can inquire about the relevant information of bills through the electronic commercial bill system.