1, lack of legal identity
At present, electronic bills have not yet established their legal status in Bill Law. In the actual operation process, the issuance and circulation of electronic bills, fund allocation and settlement are virtually realized online, but China's "Bill Law" has not recognized the non-paper electronic bill payment and settlement method authenticated by digital signature.
2. The acceptance of electronic bills is not particularly high.
In addition, the management and financial personnel of many enterprises have limited awareness of electronic bills, and the scope of application is not very wide, so the liquidity of electronic bills will be affected to some extent.
3. It is difficult to obtain evidence for disputes.
As the format and charging method of electronic bills are decided by commercial banks themselves, as the principal of trading activities, it is impossible to grasp the authenticity of electronic bills. Once a customer has a business dispute with the bank due to leakage, theft, tampering, etc.
Commercial banks use their own advantages in managing electronic data to provide evidence that is beneficial to them, while it is unfair for customers to obtain electronic data evidence of online banking that is unfavorable to commercial banks because they do not have the right to manage electronic data.
For enterprises or individuals who use electronic bills, when there is a dispute with commercial banks, it is difficult for customers to obtain evidence, which also increases the risk of customers.
4. Financial risks
Financially, electronic bills may need to be converted into paper bills, but compared with the transfer of paper bills with direct endorsement, electronic bill pledge will increase customers' bills receivable and payable simultaneously, and increase customers' debt ratio, which is not conducive to the optimization of financial statements.
5. Information technology risks
For electronic bills, it also faces various systematic risks of electronic carriers. Including data file loss, system paralysis, network attack risk and so on, which is also the essence of electronic carrier security issues.
6. Moral hazard
Moral hazard of bank internal staff not strictly implementing audit.
Extended data:
Six advantages of electronic commercial draft over paper draft;
1. The transaction efficiency of bill business is higher. All the elements of electronic bank acceptance bills are recorded electronically, and they are circulated through the bank's system channels without any trouble in transmission. In order to prevent loss or damage, paper tickets need to be carried by special personnel.
2. The operating cost of bills is decreasing. At present, the market operation price of electronic tickets is slightly higher than that of paper tickets, but with the popularization of electronic tickets, the cost of operating electronic tickets by banks will gradually decrease, and the market price of electronic tickets will be lower than that of paper tickets.
Moreover, after using electronic tickets, it is not necessary to bear the cost of mailing and checking paper tickets, saving the transmission cost, inquiry cost and capital cost on the way.
3. The operational risk of bill business is close to zero.
Electronic bank acceptance bills have no physical objects, only electronic information, all of which are stored in the system, so it is safe to keep them. All activities of electronic tickets are recorded and generated on ECDS (Electronic Commercial Bill System).
ECDS is a national financial business operation system led by the People's Bank of China, which has the guarantee of financial system security and information disaster recovery, and completely eliminates all risks in the circulation of cloned tickets, counterfeit tickets and paper tickets.
4. The management is convenient, and all the information is on the online banking, which improves the management level of banks and enterprises on bills. All the information of electronic bank acceptance bills is in the system, so it is more convenient to find electronic information. It can realize the seamless connection between internal information and fund management and external operation, and the management is more efficient.
5. Convenient collection After the electronic bank acceptance bill expires, the payment application is issued, and the funds can be received immediately, which is more efficient in collection.
6, help to form a unified national bill market, promote the interconnection and development of financial markets, and reduce market financing costs.
Of course, relatively speaking, paper payment has its unique flexibility, and the circulation of electronic tickets must first open the corresponding electronic ticket system. But in contrast, the advantages of electronic tickets are more obvious.
References:
Baidu encyclopedia-electronic bank acceptance bill
People's Network-Electronic Bill of Exchange saves bill risk