Acceptance bills can be roughly divided into three categories: bank acceptance bills, commercial acceptance bills and financial company acceptance bills.
There are still a few paper acceptance bills left, but it is recommended not to accept paper acceptance bills, because many bill companies do not accept paper acceptance bills.
Bank acceptance bill: the bank is the guarantor and the acceptor at maturity is the bank, so it is a relatively safe acceptance bill. Bank acceptance bills have good liquidity. As long as there is no problem with banks, they can have good liquidity in the market. It can be discounted in the bill company, discounted in the bank, and can also be used for commercial activities such as payment.
Commercial acceptance bills: The liquidity of commercial acceptance bills is relatively poor. Except for a few commercial acceptance bills with good reputation, most commercial acceptance bills are not recognized by the market, because commercial acceptance bills cannot be accepted at maturity, or acceptance is delayed, or the risk brought by enterprise bankruptcy is too great, and few people will take this risk.
Financial company acceptance bill: the liquidity of financial company acceptance bill will be better than that of commercial acceptance bill, because financial company is also supervised by People's Bank of China, so financial company is theoretically equivalent to bank acceptance bill issued by bank.
: Can the accepting bank of a bank acceptance bill be a "finance company"?
According to the definition, a bank acceptance bill refers to a bill in which a depositor opens a deposit account in an accepting bank, applies to the opening bank and is accepted by the bank, and guarantees to unconditionally pay a certain amount to the payee or holder on a specified date.
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.
A finance company is a financial institution approved by China Banking Regulatory Commission and established by a large enterprise group to provide financial services for the group. Generally defined as a non-bank financial institution, it is supervised by the CBRC. Financial companies can also be regarded as internal banks of large groups, and Kunlun Bank was the financial company of PetroChina in the early days.
According to the Measures for the Administration of Electronic Commercial Bill Business, "electronic bank acceptance bills shall be accepted by banking financial institutions and financial companies (hereinafter referred to as financial institutions)". Therefore, at the legal level, financial companies are allowed to carry out electronic bill acceptance business.
In practice, the electronic commercial bill system also defines the electronic commercial bill accepted by the finance company as an electronic bank acceptance bill, which is called "financial bill" in the industry to distinguish it from the electronic bank acceptance bill accepted by the bank (referred to as "silver bill").
However, from the acceptance situation in the bill market, enterprises prefer to use silver tickets for payment and financing, especially those accepted by state-owned banks, mainly because silver tickets have great advantages in discount financing difficulty and interest rate.
Many companies accept bills on the basis that they are clearly marked as bank acceptance bills, not commercial acceptance bills, and based on their trust in bank acceptance bills. Therefore, although the bill acceptor information column indicates that the bill acceptor is a finance company, not a bank. However, the statement titled "Bank Acceptance Bill" of the bill is actually a "substantial credit enhancement" for the financial company.
The price of financial bills accepted by financial companies is between silver bills and commercial bills, which depends on the degree of recognition of financial companies by trading parties or discounting parties, and cannot be generalized.
Knowing the knowledge of acceptance bills, we should pay attention to the following points when operating acceptance bills:
First, when examining acceptance bills, we should flexibly distinguish which ones are true, which ones are false and which ones are wrong. For example, the choice of Ruitong bill platform, bank risk control, and simple online trading will ensure the safety of your funds.
Second, if it is engaged in commercial acceptance bills and financial company acceptance bills, then it is necessary to judge the development status and future of the enterprise.
Third, whether to endorse or make a payment first, we should pay attention to this. For unfamiliar individuals or acceptance discount companies, Z is best to trade face to face.