(1) Legal persons and other organizations that have opened deposit accounts with accepting banks;
(2) It has a true entrusted payment relationship with the accepting bank;
(3) It has a good credit standing and a reliable source of funds to pay the amount of the draft.
When issuing bank acceptance bills, the following items must be recorded:
The words "bank acceptance bill";
(2) Unconditional payment entrustment;
(3) The determined amount;
(4) the name of the payer;
(5) the name of the payee;
(6) Date of issue;
(7) Signature and seal of the drawer.
If one of the above matters is not recorded, the bank acceptance bill is invalid. Bank acceptance bills should be issued by depositors who open deposit accounts in the acceptance bank.
Extended data:
Applicable object
Applicable to companies that purchase bank acceptance bills:
1. Large group customers who need to improve their financial situation, especially large state-owned enterprises at all levels supervised by SASAC.
2, strict financial system, want to reduce the risk of notes receivable enterprises, mainly large foreign-invested enterprises.
Advantages of packaged purchase of bank acceptance bills;
1. The buyer's final payment risk is transferred to the bank. On the basis that the underlying transaction is true and legal, the bank has no recourse to the paid discount.
2. The seller's long-term bills receivable turned into immediate cash income, and the financial situation was substantially improved.
3. The seller's capital turnover rate is improved, which is convenient for capital turnover.
The accepting bank of a commercial bill must meet the following conditions:
(1) It has a true entrusted payment relationship with the drawer;
(2) It has reliable funds to pay the amount of the draft;
(3) It has perfect internal management and has been approved by the bank authorized by its legal person.
When the drawer or holder of a bank acceptance bill presents it to the bank for acceptance, the credit department of the bank is responsible for carefully examining the drawer's qualification, credit standing, purchase and sale contract and the contents recorded in the bill according to the relevant regulations and examination and approval procedures, and the drawer can provide guarantee when necessary. If the requirements and acceptance conditions are met, an acceptance agreement shall be signed with the drawer.
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