Suppose company A wants to pay company B an electronic bank acceptance bill.
1.company b must first provide company a with the bank account opening information of company b's legal person account: company name, account number, account opening bank and bank line number. Then Company A can endorse the electronic bank acceptance bill to Company B in the online banking system.
2. After the operation of Company A is completed, Company B finds the corresponding option in the online banking system to sign the bill (the online banking of each bank is different and similar), and Company B clicks on this electronic bank acceptance bill and selects the signature.
3. Note: The account information provided by Company B should be correct; After endorsement by Company A and before receipt by Company B, Company A can cancel it. If Company B has signed for it, Company A cannot cancel it. The acceptance operation of e-commerce is consistent with the acceptance operation of e-bank bills, both of which are in the electronic bill system. Yin * Bao reminds you not to treat the acceptance of e-commerce as an electronic bank acceptance bill.
Enterprises should pay attention to the following matters when collecting bank acceptance bills.
(1) Authenticity of acceptance bills
Whether the enterprise financial personnel can hold the certificate is very important to prevent the risk of bank acceptance bills. China Bill Network has summed up five methods from long-term working experience: one check, two listening, three touching, four comparing and five taking pictures, which are practical and effective.
(2) Whether the payment of the acceptance bill is stopped.
When an enterprise receives a bank acceptance bill, it should pay attention to examining whether the bill has been reported for loss and stopped paying. When an enterprise receives a bank acceptance bill, it can log in first and inquire about the court announcement information.
(3) Whether the acceptance bill has expired.
The endorsement of an acceptance bill must be transferred before the maturity date of the bill, and may not be transferred after the maturity date.
(4) Whether the endorsement is continuous.
An acceptance bill transferred by endorsement shall be endorsed continuously. The holder proves his right to draft through the continuity of endorsement; A bill obtained by other legal means without endorsement shall be proved by evidence according to law.
The so-called continuity of endorsement means that the signatures of the endorser who transfers the acceptance bill and the endorsee who accepts the acceptance bill are continuous in the transfer of the bill.
The discontinuity of endorsement of acceptance bill will directly affect the bill rights of the last holder, such as endorsement transfer, discount and acceptance.
The application and review process of electronic acceptance bills usually includes the following steps: first, the applicant applies to the acceptance bank, including filling in relevant forms and providing necessary documents. Secondly, accept the application for bank review and verify the applicant's credit status and qualifications. The audit process may involve credit reporting, asset verification and other links. Once approved, the accepting bank will issue an acceptance letter and send it to the applicant. After receiving the letter of admission, the applicant can use it as a payment tool to pay the payee. In the process of payment, the payee can choose to discount the acceptance bill to other financial institutions to obtain funds in advance. Finally, when the maturity date comes, the accepting bank will pay the holder on time according to the agreement in the acceptance letter. The whole process strictly follows the relevant laws and regulations and the internal regulations of the bank to ensure the security and effectiveness of the transaction.
Legal basis:
People's Republic of China (PRC) negotiable instrument law (revised in 2004);
Chapter II Bills of Exchange
Section 3 Acceptance Article 43 Effectiveness of Conditional Acceptance When accepting a bill of exchange, the drawee may not attach conditions; Conditional acceptance shall be deemed as refusal to accept.