1. Enterprises registered and operated in China;
2. Open a basic deposit account in our bank;
3. Enterprise legal persons and other organizations with real business relations;
4, with good credit, large cash flow, stable production and marketing relations and other conditions.
In commodity trading, when the seller asks the buyer for payment of the draft, the payer must sign the word "acceptance" on the front of the draft and affix the seal reserved by the bank. Before the bill expires, the drawee shall pay the full amount to the issuing bank.
After the bill expires, the bank will transfer the bill from the payer's account to the payee or the discount bank. If the payer's account is insufficient to pay the bill due, the opening bank will return the bill to the payee, and both parties will settle the bill themselves. At the same time, according to the provisions of the bad check, the payer will be fined 1% of the face value.
Extended data:
Meet the demand for quick realization of commercial acceptance bills held by the company; Compared with the bank acceptance bill, the procedure is convenient, which can effectively reduce the handling fee and the financing cost is low, which is conducive to the enterprise to cultivate its own good commercial credit.
For banks, it is equivalent to a loan, and interest is deducted in advance; If the bill has a cargo background, there is also a cargo mortgage. When the bank is short of funds, it can also discount financing.