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How to inquire about the bank acceptance bills received by Yingkou Bank?

1, look at the face value

After receiving the paper bank acceptance bill, on the one hand, it depends on its authenticity. Paper bank acceptance bills are generally printed on special paper, with many anti-counterfeiting points. After receiving the paper bank acceptance bill, we should first identify the authenticity of the bank acceptance bill according to the identification method published by the People's Bank of China. On the other hand, it is necessary to examine whether there are defects in bank acceptance bills. If there are defects, the relevant certificates must be issued by the enterprise that caused the defects.

2. Damage detection and early warning.

General enterprises often check whether the bank acceptance bill has been reported lost or there is a dispute by logging in the columns of "China Court Network" and "Court Announcement Inquiry Publicity". But on the one hand, it is troublesome to operate, on the other hand, there is also the problem that the data is not particularly complete.

Experienced old accountants or business owners can download "Bank Acceptance Bill Discount Calculator (Acceptance Star) APP" or "Acceptance Star APP" on their mobile phones to inquire and warn about bank acceptance bills, which can not only make a more comprehensive inquiry about whether the received bank acceptance bills have been reported lost, or whether there are disputes, but also give an early warning of possible malicious loss reporting or potential disputes in the future. Once the bank acceptance bill is maliciously reported to be lost, or there is a dispute, the enterprise can be notified in time, and the early warning message can be received in time to avoid economic losses.

3. Calculate the discount rate

The discount rate of bank acceptance bills is calculated manually, which may be in months, years or even days due to different discount standards. The specific calculation method is very complicated and easy to make mistakes.

For example, according to the monthly interest rate, the discount calculation formula is: bill face value × monthly discount rate y% × number of months from bill discount date to maturity date;

For example, in terms of days, the discount formula is: bill face value × annual discount rate × (discount date-maturity date of acceptance bill) days /360.

Note, however, that this is only a general formula for calculating the discount of acceptance bills. In the actual discount process, the number of days should be increased or decreased according to factors such as holiday arrangements. Calculation is troublesome, time-consuming and error-prone.

Therefore, when calculating the discount rate of bank acceptance bills, ordinary accountants will download the "Bank Acceptance Bill Discount Calculator (Acceptance Star) APP" with their mobile phones for calculation. When calculating, just select the date according to the actual coupon information and enter the discount rate. "Bank Acceptance Bill Discount Calculator (Acceptance Star)" will automatically add and subtract days in the calculation according to the holiday arrangement of the year, and apply the corresponding formula. Now the calculation result is given. After the calculation is completed, you can also share the calculation results with colleagues and customers through one-click sharing, which is very convenient and practical.

In addition, I would like to remind you that there are many fake "Bank Acceptance Bill Discount Calculator (Acceptance Star)" apps. These fake "discount calculators for bank acceptance bills" are not only weak in function, but some even make mistakes in adding and subtracting days in calculation, resulting in wrong results.