How to cash out an electronic acceptance when it expires?

Hello, when the electronic acceptance bill expires, you can go directly to the bank that guarantees payment with the relevant documents and information to cash it. The specific method is: first, you need to write the endorser on the bank acceptance bill, and then bring the bank acceptance bill and the company's official seal to the bank where the company's public account is located. Then the user needs the bank to fill in a collection voucher, stamp the company seal, and then hand it over to the bank for processing. An e-commerce acceptance bill is an acceptance bill issued under the credit of the issuing enterprise. It can be accepted by the issuing enterprise when it matures, or it can be accepted and discounted in advance at a bank or private institution through bill pledge, and it can be paid unconditionally to the payee or holder when the bill matures. From this point of view, e-commerce acceptance bill is a convenient payment method.

1. Cashing out e-commerce acceptance bills when they are due: First, choose the collection method. The collection method for e-commerce acceptance bills that are about to expire is online payment or offline payment, but usually companies will choose faster Online methods to complete collection, because online banking transactions can ensure the safety of payment funds. Two businesses. Secondly, online banking requires remittance ten days in advance. According to relevant regulations, in order to ensure that the payee is ready to pay the due bill in advance, the holder must send a payment reminder to the acceptor ten days before the e-commerce acceptance bill expires. If the holder fails to present within the prescribed presentation period, he will lose the right of recourse against the previous holder.

2. By using electronic signatures and reliable security authentication mechanisms, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risks of bill cloning, alteration, forgery, loss and damage; All bill activities such as the issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount, and rediscount of electronic bank acceptance bills are performed on the e-commerce bill system, which can greatly improve the efficiency of bill circulation and reduce labor and financial costs. Effectively improve financial and business efficiency. Electronic bank acceptance bills can greatly improve the efficiency of bill circulation, reduce labor and financial costs, and effectively improve financial and commercial efficiency.

3. E-commerce bill maturity redemption process: Within ten days from the expiration date of the electronic bank acceptance bill, the status of the bill in corporate online banking will change to prompt payment, or initiate a payment application or other name (different banks) Different names, but different meanings) similar). Confirm the payment application information and endorse it to the issuing bank. The status of the bill of exchange changes from payable at sight to payable at sight and awaiting signature, indicating that the bill has been endorsed to the issuing bank. After receiving the endorsement of the electronic bank acceptance bill, the issuing bank will make payment to your company's account. Advantages of e-commerce acceptance bills: By using electronic signatures and reliable security authentication mechanisms, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risks of bill cloning, alteration, forgery, loss and damage.

4. After expiration, the electronic commercial acceptance bill needs to be operated through online banking. After the electronic commercial acceptance bill expires, the holder logs into the corporate online banking, operates in the electronic bill column, finds the commercial acceptance bill due receivable, and in online banking Send collection information, and then the other bank will immediately transfer the money to the business account after receiving the reply information. The above three aspects are the operations that the bearer should perform during the maturity acceptance period of the e-commerce acceptance bill. In the days after the e-commerce acceptance bill expires, special attention should be paid to the timely release of payment information. The time limit must not be exceeded, otherwise the right of recourse against the previous party will be lost and losses will result.