Acceptance of e-commerce does not prompt payment when it expires;

Acceptance of e-commerce does not prompt payment when it expires;

Answer: 1. If the balance of the other party's account is sufficient, your company can deduct the money from the acceptor's account to pay the ticket, and the other party can reply to receive it the next working day.

1. If the balance of the acceptor's account is enough to pay the fare at the end of the business of the electronic commercial bill system on that day, it is deemed that the acceptor has agreed to pay, and the access bank and the access finance company shall deduct funds from the acceptor's account to pay the fare.

2. The next day (in case of legal holidays, non-business days of large-value payment system and non-business days of electronic commercial bill system), the acceptor will make a payment reply and sign it on behalf of him.

3. If the balance of the acceptor's account is insufficient to pay the fare when the electronic commercial bill system is closed on the same day, it will be deemed that the acceptor refuses to pay, and the access bank and the access finance company shall reply to the acceptor's refusal to pay and sign on behalf of the acceptor when the electronic commercial bill system is opened on the next day.

2. If the balance of the acceptor's account is enough to pay the fare when the electronic commercial bill system is closed on that day, it is deemed that the acceptor has agreed to pay, and the access bank and the access finance company shall deduct funds from the acceptor's account to pay the fare, and make a payment reply and sign it on behalf of the acceptor the next day (postponed in case of legal holidays, non-business days of the large payment system or non-business days of the electronic commercial bill system).

Electronic bank acceptance bill:

Electronic bank acceptance bill is the inheritance and development of paper bank acceptance bill, and there is no difference in bill rights and obligations between electronic bank acceptance bill and paper bank acceptance bill.

The difference is that the electronic bank acceptance bill replaces the original paper entity bill in the form of data message, replaces the entity signature with electronic signature, replaces manual transmission with network transmission, and replaces manual writing with computer input, thus realizing the complete electronization of bill business processes such as issuance, circulation and payment.

By adopting electronic signature and reliable security authentication mechanism, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risk of bills being cloned, altered, forged, lost and damaged.

Issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount and other bill behaviors are all carried out on the electronic commercial bill system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and commercial efficiency.

The longest bill term of electronic bank acceptance bill is extended from 6 months to 1 year, and the maximum bill amount is enlarged from 1 billion yuan to 1 billion yuan. Good liquidity and strong short-term financing ability are very helpful for group enterprises to reduce financial expenses. The successful launch of electronic commercial bill of exchange system is another important measure of financial innovation.

Bian Xiao has sorted out some concepts and characteristics about the acceptance of bills of exchange by electronic banks, and you need to keep learning. This part is a very important test point in the knowledge of economic law. Please study hard if you take the relevant examination of economic law this year. At the same time, I hope you can give us timely feedback on what else you need help with, and we will update it according to your needs.