Who can briefly talk about acceptance bills and what should be paid attention to when using acceptance bills?

1. What is a commercial acceptance bill?

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. Commercial acceptance bills can be drawn by the payee and accepted by the payer, or drawn and accepted by the payer. The business of commercial acceptance bills is limited to RMB, and the payment period of bills of exchange is no longer than six months, and the amount of each bill is generally no more than 50 million yuan.

2. What's the difference between a commercial acceptance bill and a bank acceptance bill?

Commercial acceptance bill and bank acceptance bill have different acceptors, which determines that commercial acceptance bill is commercial credit and bank acceptance bill is bank credit. At present, bank acceptance bills are generally issued and accepted by banks, while commercial acceptance bills can be transferred without bank issuance and endorsement, but they are lower in credit rating and liquidity and more difficult to discount in banks.

3. What is the business of attaching commercial acceptance bills?

Commercial acceptance bill guarantee refers to a credit granting behavior that an enterprise that meets the requirements of our bank promises to discount the commercial acceptance bill issued or held by it in the form of a letter, that is, to give the guarantee amount. According to the definition, the commercial acceptance bill sticker is the credit line issued by the bank to the enterprise, which can be recycled within the line. The enterprise applying for the guarantee amount can be the acceptor, holder or discount applicant of the bill. After obtaining the credit line guaranteed by the bank, the credit undertaker can attach a bank guarantee to the commercial acceptance bill issued or held by the bank, and the bank will guarantee the discount. When the holder submits the bill discount to the bank, the bank will finance it after deducting the interest.

4. What role does the protection and pasting business of commercial acceptance bills have for enterprises?

The main function of guarantee business is to strengthen the liquidity and liquidity of bills through the promised discount of banks. Compared with bank acceptance bills, the payer of commercial acceptance bills is generally an enterprise. Because China's commercial credit system has not been fully established, it is more difficult to discount commercial acceptance bills than bank acceptance bills, and it is difficult for holders to accept them. If the bank puts a guarantee sticker on the commercial acceptance bill, the holder can get the promise of bank discount and can apply to the bank for discount before the bill expires. After the bill expires, the bank will prompt the acceptor to pay. Therefore, the acceptability of commercial acceptance bill with protection letter is greatly improved, which can be regarded as bank acceptance bill in basic function and can be used as an important credit tool for enterprise financing payment.

5.5. How to collect the bank handling fee for attaching commercial acceptance bills?

The undertaker of the deposit amount of the commercial acceptance bill shall pay a certain amount commitment fee after the application amount is approved. When purchasing a commercial acceptance bill, the drawer of the commercial bill needs to pay the production cost. Enterprises applying for discount need to pay the interest from the discount date to the maturity date of the bill, and the interest rate level generally does not exceed the loan interest rate of the same grade (including floating). If the payment is not made on the due date, a daily penalty of 2. 1% will be paid.

6. What are the basic conditions for attaching commercial acceptance bills?

The undertaker of this bank needs to meet the credit conditions of our bank. If there is a credit line, he needs to sign a relevant supplementary agreement with our bank before he can use the secured credit line. Commercial acceptance bills with stickers must have a real trade background and can provide relevant certification materials.

7. What is the process of attaching commercial acceptance bills?

A) The enterprise applies for the guarantee amount or signs a supplementary agreement with the bank;

B) The enterprise signs a contract with the bank on the discount amount of commercial acceptance bills, and stipulates the specific conditions of guarantee;

C) Enterprises purchase blank commercial acceptance bills from our bank and issue them by themselves;

D) The enterprise applies to our bank for guarantee, and our bank will issue a letter of guarantee for commercial acceptance of Shenzhen Development Bank accordingly;

E) The enterprise delivers this letter and the corresponding commercial acceptance bill to the payee;

F) The holder applies to our bank for discount, and our bank will handle it according to relevant procedures;

When the draft expires, we will present the payment directly to the acceptor.

Quoted from /question/265869.html

Pay attention to 1 when using, and go to the payer to make a pair in time.

Pay attention to the endorsement when transferring.