After revocation, there are two ways to deal with it:
First, you negotiate with the other party to pay the other party through other payment methods, but the signed acceptance bill is endorsed by the other party, and then taken back by the cashier for safekeeping and used for other monetary funds;
Second, when deciding to switch to other payment methods, it is necessary to determine whether to handle full deposit acceptance or credit acceptance (the latter pays a certain proportion of deposits in the bank account according to the acceptance amount, generally 20%-40%), and then submit a refund application to the bank.
If you want to cancel your bank acceptance request, after the bank accepts the application, it will stamp the signed acceptance bill with the seal of "Unused Cancellation" and return the bill stub (the original bill will usually be taken back by the bank) and your acceptance agreement. If it is a credit acceptance, the deposit will be returned to the enterprise account, or it can be rescheduled with the bank. The specific requirements may vary from bank to bank.
Extended data:
First, advantages
1, commercial acceptance bill:
The longest payment period of a commercial acceptance bill shall not exceed 6 months; The time limit for presentment payment of a commercial acceptance bill is 10 day from the maturity date of the bill; Commercial acceptance bills can be transferred by endorsement; When the holder of a commercial acceptance bill needs funds, he can apply to the bank for discount with the unexpired commercial acceptance bill; Suitable for settlement in the same city or different places.
2. Bank acceptance bills:
For sellers, providing advance payment to existing customers or new customers can increase sales and improve market competitiveness. For the buyer, using forward payment to buy more goods with limited funds can minimize the occupation and demand for working capital and help expand the production scale. Compared with loan financing, it can significantly reduce financial costs. ?
Second, the role
Functions of commercial acceptance bills: The application of commercial acceptance bills plays an important role in social and economic activities, which makes the negotiability of commercial credit and its manifestations standardized and scientific, and is conducive to strengthening macro-control and improving the functions of the bill market. ?
Function of bank acceptance bill: As the bank acceptance bill business is developed on the basis of bank settlement business, it is a bank credit activity based on real commodity transactions, and it is the development and supplement of bank credit to commercial credit, which is of great significance for establishing a unified bill market in China and improving the socialist market economic system.
It plays a positive role in strengthening the service function of banks, expanding the scope of credit activities of commercial banks, promoting the commodity sales of seller's enterprises and reducing the operating costs of buyer's enterprises.
The role of bank acceptance bills in the national economy can make up for the lack of commercial credit, prevent the formation of "triangular debts" due to enterprises' default in payment, promote the circulation of goods and accelerate the circulation and turnover of social funds.
Third, the basic process
The drawer issues a bill of exchange and delivers it to the payee, and the payee requests payment from the drawee recorded in the bill, and the drawee assumes the payment obligation, and the bank charges a certain formalities fee. Acceptance bills are only applicable to bills payable at regular intervals, at regular intervals after the date of issue and at regular intervals after sight.
Bills payable at sight do not need to be presented for acceptance, so there is no acceptance behavior. At the same time, there is no need to accept a bill in which the drawer and the payer are the same person.
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