Taizhou bank acceptance bills can be collected.

Bank acceptance bills in Taizhou are generally recoverable. acceptance refers to the act of the executor of a bill of exchange asking the drawee to record the payable amount on the bill before the expiration of the validity period of the bill. A system peculiar to bills of exchange. The payer usually signs the front of the bill. There is a trust relationship between the drawer and the payer, and the issuance of the bill by the drawer does not mean that the payer must pay. The executor of a bill of exchange must present the bill of exchange to the drawee for acceptance. Only when the drawee signs the acceptance will he be legally responsible for the payment of the bill.

before the drawee accepts the bill, the principal debtor of the bill is the drawer; after acceptance, the drawee becomes the principal debtor, and both the drawer and other endorsers are subordinate to the debtor. The acceptance of the bill must be the actual presentation of the bill, which is called presentation. Bills payable need not be presented for acceptance. A bill payable at sight on a regular basis shall be presented for acceptance.

Identification of authenticity

Comments

In recent two years, the discount business of acceptance bills has developed rapidly and become a new bright spot in the work. But at the same time, forged, altered and "cloned" acceptance bills are also emerging in the market, so it is very important for financial personnel to properly examine and guard against bill risks. Five methods are summarized from long-term work experience: one check, two listening, three touching, four comparing and five taking photos, which are practical and effective.

a check

mainly means that the bill is flat and clean, and the handwriting and seal are legible, so as to achieve "two cleanness", that is, there is no stain, that is, there are no creases, water marks, oil stains or other dirt on the face. 2. No alteration means that there are no alteration marks on the face elements, signatures and endorsements.

completeness

mainly means that the ticket face is undamaged, and the recorded elements and signatures are complete, so as to achieve "two noes", that is, no imperfection, which means that the ticket face has no corner, breakage or other damage. There is no omission, that is, the face elements and endorsements of the bill are complete, and all kinds of signatures are complete.

accuracy

mainly means that the elements recorded on the bill face are correctly filled in, and the signature is in line with the provisions of the Bill Law, so as to achieve "two noes", that is,

no omission, which means that the bill face elements and endorsements are completely filled in, and all kinds of signatures are complete:

there are no errors, the bank name, line number and draft seal of the bill should be accurate, and the endorsements should be continuous.

no clerical error means that the bill amount should be in the same case, written in a standardized way, and the date of issue and the date of payment should meet the requirements (the month requires zero before January, February and October, the date requires zero before January-September, and zero after October, 2th and 3th; Date required before November-September).

Legitimacy

mainly refers to the normal circulation and acceptance of bills. To achieve "two noes", that is,

no exemption, means that the bills are "non-transferable" and "pledge"

no exemption, and those marked with "non-transferable", "pledge" and "entrusted collection" cannot be discounted.

I can't help it, which means that bills can't be circulated within the scope of being stolen, cheated or lost, and within the scope of being prohibited from being circulated and publicly peddled by the public security law.