After consultation, the two parties signed a commodity trading contract, and indicated in the contract that the bank acceptance bill was used for settlement. As a seller, it is safer to use bank acceptance bills if the other party's commercial credit is not good, or if they don't know much about the other party's credit status or have insufficient confidence. Because the bank acceptance bill is accepted by the bank, there is a bank credit guarantee, which can ensure the timely recovery of the payment.
2. Issue bills of exchange
The payer shall issue a bank acceptance bill in accordance with the provisions of the contract signed by both parties. The bank acceptance bill is in triplicate, the first copy is a card, and the accepting bank will make a payment summons when paying the bill; Second, when the payee bank receives the bill from the acceptance bank, it will subpoena the interbank account; The third copy is the stub copy, and the issuing unit prepares the relevant vouchers.
Remarks:
When filling in the bank acceptance bill, the cashier of the payer shall fill in the date of issue, the full names of the payee and the acceptance applicant, the account number, the bank, the amount of the bill and the maturity date of the bill item by item. , and the first, second and third copies of the bank acceptance bill are stamped with the reserved bank seal and the seal of the agent and agent.
3. Acceptance draft
After the cashier of the payment unit fills in the bank acceptance bill, he should check the relevant contents of the bill with the transaction contract, fill in the "Bank Acceptance Agreement" and the list of bank acceptance bills after verification, and affix the official seal of the unit at the "Acceptance Applicant". The general bank acceptance agreement is made in triplicate, one for the bank credit department, one for the bank accounting department and one for the payer.
Its contents mainly include the basic contents of the draft, the basic terms that the applicant should abide by after the bank accepts the draft, and so on. After the bank audit is completed, the bank acceptance agreement shall be stamped with the official seal or contract seal, and the bank acceptance bill shall be stamped with the special seal for the bill of exchange, and at least one agent's private seal shall be affixed.
Step 4 pay the handling fee
According to the provisions of the Bank Acceptance Agreement, the payer shall pay the handling fee to the acceptance bank when handling the acceptance formalities, and the bank that opens the account shall deduct it from the depositor of the payer. According to the current regulations, the handling fee for bank acceptance bills is charged at 0.5 ‰ of the face value of bank acceptance bills, and for each sum less than 10 yuan, it is charged at 10 yuan.
The longest acceptance period of paper bank acceptance bills shall not exceed 6 months, and the longest acceptance period of electronic bank acceptance bills shall not exceed 1 year. If the applicant for acceptance fails to pay the bill in the bank, the overdue penalty interest shall be charged according to the regulations.
Extended data:
A bank acceptance bill is a bill issued by the drawer, accepted by the bank, and entrusted by the payer to unconditionally pay a certain amount to the payee or holder on a specified date.
The drawer of a bank acceptance bill must meet the following conditions:
(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.
The word "bank acceptance bill" is a draft sentence. In practice, it is printed on the front of the bill of exchange, and the drawer does not need to record it separately.
Unconditional commission payment is a form of payment. In practice, it is also printed on the front of the bank acceptance bill, which is usually expressed by similar statements such as "this bill is due for payment" and "please accept this bill for payment due", and the drawer does not need to record it separately.
Determine the required quantity. The amount recorded on the bill of exchange must be determined and can only be indicated in currency, and the amount recorded on the bill of exchange must be written in accordance with the provisions of Annex I of the Measures for Payment and Settlement. Amount in words must be consistent with the amount in figures. If not, the bill is invalid. The fare cannot be changed, and the changed bill is invalid.
The drawee is the bank that the drawer of the bank acceptance bill records on the bill and entrusts it to pay the amount of the bill. Of course, the payer becomes the debtor of the bill not because of the entrustment of the drawer, but because of its acceptance. The drawee before acceptance of the bill is the drawer, and the accepting bank after acceptance is the drawee and the principal debtor of the bank acceptance of the bill.
The payee is the original holder who received the bill amount recorded on the bill. The name of the payee shall not be changed, and the changed bank acceptance bill is invalid.
The date of issue must be written in accordance with the provisions of Annex I of the Measures for Payment and Settlement. The date of issue shall not be changed, and the changed bank acceptance bill shall be invalid.
A bill marked "non-negotiable" by the drawer loses its circulation, and subsequent parties may not transfer it again.
The drawer of a bank acceptance bill must sign, and the signature must be clear.
After the drawer gives the signed bank acceptance bill to the payee, the act of issuing the bill is completed. Presentation for acceptance refers to the act that the holder presents the bill to the drawee and asks the drawee to promise to pay. The so-called presentation means that the holder presents the bill to the payer realistically in order to exercise or preserve his bill rights.
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.
When accepting a commercial bill, the drawee shall record the word "acceptance" and the date of acceptance on the front of the bill and sign it. A bill payable at sight on a regular basis shall record the date of payment at the time of acceptance.
In practice, the acceptance statement of bank acceptance bill (namely "acceptance") has been printed on the front of the bill, such as "this bill has been accepted and paid unconditionally at maturity" and "this bill has been accepted and paid by the bank at maturity". The acceptor does not need to record it separately. The acceptor only needs to sign at the acceptor's signature and indicate the acceptance date in the acceptance date column.
The accepting bank will charge the drawer a handling fee of 0.5% of the face value.
The drawee shall unconditionally accept the commercial bill. Conditional acceptance shall be deemed as refusal to accept.
Baidu encyclopedia-bank acceptance bill