How to accept bank electronic acceptance bills?

Agricultural Bank electronic acceptance bills can be received in the following ways:

1. Log in to the corporate online banking of Agricultural Bank of China, and click "Reply with electricity bill" on the page.

2. Click1if there is "Endorsement Transfer Reply" in the "To-Do List" on the pop-up page; If not, select "Endorsement Transfer Reply" in the "Reply Name" above, and then click Query.

3. Check the bank number and amount of the query, and click Single Submit.

4. If one person can ignore this step, two people need to click "To be reviewed".

5. You can see the reply of electronic bill endorsement transfer, and click View.

6. After review, the electronic bank acceptance bill was successfully received.

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An acceptance bill refers to a bill that has been accepted. That is, in the transaction, the seller issues a bill of exchange in order to ask the buyer to pay, and the payer marks the word "acceptance" on the face and signs it to acknowledge the payment due. The drawee becomes the acceptor of the bill after acceptance. Commercial acceptance bills are accepted by the buyer, and bank acceptance bills are called bank acceptance bills.

classify

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). [2]

A commercial acceptance bill is a bill issued by the drawer, which entrusts the drawee to unconditionally pay a certain amount to the payee or holder on a specified date, and is accepted by a drawee other than a bank. A commercial acceptance bill is a bill accepted by a payer other than a bank. Commercial acceptance bills can be signed and accepted by the payer or the payee. The drawer of a commercial acceptance bill is a legal person or other organization that opens a deposit account in a bank, has a real entrusted payment relationship with the payer, and has a reliable source of funds to pay the amount of the bill. Commercial acceptance bills do not bear interest. [3] [2]

differentiate

The difference between a commercial acceptance bill and a bank acceptance bill is that different acceptors determine that a commercial acceptance bill is a commercial letter of credit and a bank acceptance bill is a bank letter of credit. Bank acceptance bills are generally issued and accepted by banks, while commercial acceptance bills can be transferred without bank issuance and endorsement, but their credit rating and liquidity are low, and it is more difficult to discount them in banks than bank acceptance bills. [4]

The definition of acceptance bill in international trade is similar to that in domestic trade, but the difference is that acceptance bill in international trade is often a bill issued to the drawee by the payee (drawer), which is equivalent to a bill in nature and has different binding force on the drawee under different circumstances. Documentary acceptance bill of letter of credit in international trade is generally one of the documentary documents in the payment documents of letter of credit. When the buyer issues a documentary draft to the seller for payment within a certain period after sight, it shall immediately accept it when the bank submits the documents for cargo transportation and delivery, and pay on the maturity date of the draft. As one of the payment documents of the letter of credit, this acceptance bill belongs to the bank credit document and is binding on the payer. Documentary acceptance bills under non-letter of credit in international trade are generally drawn by the payee (drawer) directly to the drawee, which belongs to commercial credit and is not binding on the drawee's payment. [5]

superiority

Commercial acceptance bill:

The longest payment period of a commercial acceptance bill shall not exceed 6 months; The time limit for presentment payment of a commercial acceptance bill is 10 day from the maturity date of the bill; Commercial acceptance bills can be transferred by endorsement; When the holder of a commercial acceptance bill needs funds, he can apply to the bank for discount with the unexpired commercial acceptance bill; Suitable for settlement in the same city or different places.

Bank acceptance bill:

For sellers, providing long-term payment to existing or new customers can increase sales and improve market competitiveness. For the buyer, using forward payment to buy more goods with limited funds can minimize the occupation and demand for working capital and help expand the production scale. Compared with loan financing, it can significantly reduce financial costs. [4]

function

Functions of commercial acceptance bills: The application of commercial acceptance bills plays an important role in social and economic activities, which makes commercial credit circulate, and its manifestations are standardized and scientific, which is conducive to strengthening macro-control and improving the functions of the bill market. [6]

Function of bank acceptance bill: As the bank acceptance bill business is developed on the basis of bank settlement business, it is a bank credit activity based on real commodity transactions, and it is the development and supplement of bank credit to commercial credit. Therefore, it plays a positive role in establishing a unified national bill market, perfecting the socialist market economic system, enhancing the service function of banks, expanding the credit activities of commercial banks, promoting the commodity sales of seller enterprises and reducing the operating costs of buyer enterprises. The role of bank acceptance bills in the national economy can make up for the lack of commercial credit, prevent the formation of "triangular debts" due to enterprises' default in payment, promote the circulation of goods and accelerate the circulation and turnover of social funds. [6]

Basic process

Endorsement of acceptance bill

Endorsement of acceptance bill

The drawer issues a bill of exchange and delivers it to the payee, and the payee requests payment from the drawee recorded in the bill, and the drawee assumes the payment obligation, and the bank charges a certain formalities fee. Acceptance bills are only applicable to bills payable at regular intervals, at regular intervals after the date of issue and at regular intervals after sight. Bills payable at sight do not need to be presented for acceptance, so there is no acceptance behavior. At the same time, there is no need to accept a bill in which the drawer and the payer are the same person. [5]

risk prevention

Risk prevention measures: according to the principle of "high efficiency, safety and liquidity", the qualification, credit standing and operating status of the applicant for acceptance or discount shall be reviewed in strict accordance with the regulations. And in accordance with the regulations, collect reasonable deposit from customers who apply for bank acceptance bills and implement corresponding guarantee measures.

When accounting is issued, the integrity of the information required for bank acceptance bills should be strictly examined. If the applicant for acceptance is required to provide an acceptance application, approval letter, purchase and sale contract, etc. When reviewing the counter, carefully review the contents of the bank acceptance bill. [7]

Strictly examine the authenticity and reliability of the draft. Including whether the elements recorded in the draft are legal and standardized, whether the endorsement is continuous, whether the vouchers, stamps and impressions are true and reliable, and whether the commodity transactions related to the draft are legal. [7]

Strengthen the internal management of banks, and strictly implement the system of joint examination by credit, accounting and financial planning departments and examination and approval by the competent governor. Do a good job in publicity and training, enhance the professional quality of the handling personnel, and do a good job in promoting and explaining the bills of enterprises. [7]