Second, consulting other financial companies, such as Yi Tuo Financial Company in Luoyang, can be discounted, and the consulting volume can be large.
Can the commercial acceptance bill of Hainan Agricultural Reclamation Group Finance Co., Ltd. be discounted theoretically? Consult your ticketing unit for details and agree to give you a discount.
Commercial acceptance bills are accepted and paid by the issuing enterprises. Because the registered capital of enterprises is generally lower than that of banks, and their solvency is even lower than that of banks, people are unwilling to accept it. When the commercial acceptance bill expires, if the drawer's account does not have that much money, the bank will not be responsible for payment. This will be handled by the buyers and sellers themselves.
Can commercial acceptance bills of ordnance group finance co., ltd be discounted? Commercial acceptance bills are at risk of non-payment at maturity. I suggest you consult the bank to see if it is willing to give them a discount.
Can commercial acceptance bills be discounted by enterprises? number
The holder shall hand over the unexpired commercial draft to the bank, apply to the bank for discount, and fill in the "discount voucher" in quintuplicate. The bank will deduct the interest from the discount date to the maturity date of the bill according to the par value and give the bill holder the net par value after deducting the discount interest.
The basic format of five copies of "discount voucher" is as follows: the first copy of bank draft (application) is submitted to the bank for discount and payment summons;
The second copy (income voucher) shall be submitted to the bank as a voucher for discounting the income of the applicant's account;
The third (income voucher) summons the bank to discount interest income;
The fourth (collection notice) is the collection notice given by the bank to the discount applicant;
The fifth copy (due card) shall be submitted to the accounting department for safekeeping according to the due date, and the due date shall be used as the discount income certificate.
The cashier of the discount unit shall fill in the relevant contents of the above-mentioned "discount voucher" item by item according to the contents of the bill, such as the name of the discount applicant, account number, bank, type of discounted bill, invoice date, maturity date, bill number, name of bill acceptor, account number, bank, bill amount, etc.
Among them, the discount applicant-that is, the holder himself;
Type of discounted bill-refers to whether it is a bank acceptance bill or a commercial acceptance bill;
Bill acceptor, bank acceptance is the acceptance bank, that is, the bank where the payer opens an account,
The commercial acceptance bill is the payer himself;
Bill amount (discounted amount)-refers to the face value of the bill itself.
After filling in the discount voucher, affix the reserved bank seal on the "applicant's seal" of the first discount voucher and the back of the second and third copies of the commercial bill, and then send it to the credit department of the bank where the account is opened.
As can be seen from the above figure, the second and third sheets of discounted commercial bills are different (different thickness, please pay attention to endorsement).
After checking by the bank, the bank shall endorse the word "consent" in the column of "bank approval" of the discount certificate, and affix the seal of the relevant personnel to send it to the bank accounting department.
What is the discount process of commercial acceptance bills? Commercial acceptance bill refers to the loan issued by the bank in the form of purchasing the unexpired commercial acceptance bill of the borrower. Commercial acceptance bills discounted by banks must be commercial bills issued and used between enterprises on the basis of real commodity transactions, and the discount period is generally within three months, and the longest is not more than six months.
How to deal with:
1. Submit a written application, that is, an application for discounting commercial bills.
2. Provide the following information:
(1) Original business license or institution legal person certificate, organization code certificate and loan card after annual inspection;
(2) Commercial acceptance bills with continuous endorsement, complete form and unexpired;
(3) The original contract for the transaction of goods or services signed by both parties to the transaction, or other written certificates that can prove the authenticity of the transaction relationship of goods or services;
(4) The original VAT invoice of the drawer (or immediate predecessor);
(5) Last year's and recent financial statements. If the guarantee is provided by way of guarantee, the financial statements of the guarantor in the latest year and the latest period shall also be provided;
(6) Post other materials that need to be submitted at present. What is the discount process of commercial acceptance bills? If you don't know, consult Wuhan Tianxiatong Business.
Refund and rediscount of commercial acceptance bills.
First, expand business scope.
(1) Authorize the Central Sub-branch of the People's Bank of China and Chaohu Central Sub-branch to handle the rediscount business of commercial acceptance bills, and cancel the single amount limit. China People's Bank Central Sub-branch and Chaohu Central Sub-branch shall not further delegate the authorization to the county sub-branch. The People's Bank of China Central Sub-branch and Chaohu Central Sub-branch shall use a certain proportion of their own rediscount quota for the rediscount of commercial acceptance bills, and Hefei Central Sub-branch of the People's Bank of China will give priority to supporting the demand for rediscount quota of commercial acceptance bills.
(2) Expand the business scope of rediscounting commercial acceptance bills to all banking financial institutions within its jurisdiction, as well as non-banking financial institutions such as enterprise group finance companies qualified for bill discounting business. Enterprises that discount and accept commercial acceptance bills will no longer implement the rediscount list system.
Second, clear business needs.
(1) The Central Sub-branch of the People's Bank of China and the Chaohu Central Sub-branch should give priority to the rediscount of commercial acceptance bills issued and discounted by enterprises, especially agricultural enterprises and small and medium-sized enterprises, which are in line with the national industrial development direction and have strong scientific and technological innovation capabilities, on the basis of strengthening the management of rediscount business, improving relevant operational procedures and strengthening risk control. We can make it easy first and then difficult, and promote it in an orderly manner, and take the lead in rediscounting commercial acceptance bills circulating between upstream and downstream enterprises with close production and marketing relations, as well as between leading enterprises in the industry and supporting small and medium-sized enterprises. Organize a "liaison meeting for the promotion of commercial acceptance bills" to strengthen communication and realize information sharing.
Strengthen work coordination and solve problems in the promotion and use of commercial acceptance bills.
(2) Banking financial institutions should further change their business philosophy, enhance their service awareness, actively publicize the knowledge of commercial tickets, and guide enterprises to use commercial tickets. Give timely discount support to qualified commercial acceptance bills in combination with their own credit rating, credit status and authorization of local enterprises by superior banks. Establish a long-term contact mechanism with enterprises, prevent discount risks, and timely submit dynamic information on the promotion of commercial acceptance bills to the local people's bank. The central branches of the People's Bank of China and Chaohu Central Sub-branch are requested to forward this notice to the mainland corporate financial institutions under their jurisdiction, and report the problems encountered in the promotion process to the People's Bank of China in a timely manner.
Can a commercial acceptance bill be discounted when it matures? You can't.
Only unexpired bills can be discounted. In addition, when the draft expires, you can get the full amount of the draft and discount it, and the bank will deduct the discount interest. Whoever doesn't want the full amount will have to deduct a portion.
Payment and settlement method:
Article 93 The holder of a qualified commercial bill may apply to the bank for discount with the unexpired commercial bill and discount voucher. The discount bank may transfer the unexpired commercial bills to other banks, or apply to the People's Bank of China for rediscounting. ……
(Discount and rediscount stipulated in this article are both unexpired commercial bills. )
Where can Guiyang commercial acceptance bills be discounted? Commercial acceptance is based on corporate credit. Under the premise of imperfect risk control mechanism, it is difficult to cash out or discount. In the latter case, the bank can also cash the guarantee for the third party, but in a sense, this guarantee is invalid.
How to discount commercial acceptance bills? Take the commercial acceptance bill and go directly to your basic bank, and the bank will tell you how to operate it. But the procedure is very troublesome, especially if the credit is not high or the draft is given to you by a small business. This is very difficult.
Financial risks of commercial acceptance bills Commercial acceptance bills are entirely based on commercial credit and do not need to deposit funds with banks. Because the issuance of commercial acceptance bills does not need strict examination and supervision, it is only based on the credit of enterprises, so accepting commercial acceptance bills is risky. However, in order to promote the transaction, the following methods can be adopted:
1. If the customer is required to draw a commercial acceptance bill payable at sight, we can first present the bill payer for payment and obtain the corresponding amount, and then deliver the goods to the customer (drawer or endorser in the bill law);
2. The long-term commercial acceptance bills issued by customers are discounted by our company to commercial banks engaged in related businesses before delivery, on the condition that the right of recourse is waived.
3. The drawer shall apply and the bank shall affix a letter of guarantee. Our company can deliver the goods first and then discount them to the bank that issued the letter of guarantee. If the bill is not discounted, but is presented to the payer for acceptance or payment at maturity, there may be certain financial risks.
Even if the successor waives the right of recourse to our company, it is legally established, but the responsibility arising from the authenticity of the commercial acceptance bill is still borne by the successor. It is impossible to avoid the occurrence of bill fraud.