Electronic acceptance generally refers to electronic bank acceptance bills. By adopting electronic signature and reliable security authentication mechanism, its uniqueness, integrity and security can be guaranteed.
Electronic bank acceptance bill is a bill that the drawer applies to the bank in the form of data message, and after the acceptance bank approves the acceptance, it ensures that the acceptance applicant unconditionally pays a certain amount to the payee or holder on the specified date. Improve the efficiency of bill circulation and reduce manpower and financial costs. Bank acceptance bills have good credit, strong acceptance ability and high flexibility, which effectively saves capital costs. For enterprises with strong strength and trusted by banks, they can apply for opening bank acceptance bills, conduct normal purchase and sale business, and then deliver the funds to banks when the payment date approaches.
I the drawer of a bank acceptance bill must meet the following conditions:
1. has a real entrusted payment relationship with the accepting bank.
2. Have sufficient payment ability, good settlement record and settlement reputation.
3. Good credit relationship with the bank, no loans overdue record. 4. The drawer has a good credit guarantee, etc.
Second, the difference between electronic acceptance bills and paper acceptance bills:
1. The essential difference between electronic bills and paper bills lies in the different media.
2. Because there is no voucher for electronic bills, some unique operations of paper bills are gone (such as charging fees for ticket number allocation, warehousing, inquiry and reply). ).
3. Electronic bills have no risk tickets. Clone tickets are basically risk-free, so they will soon be recognized by the market.
Three. The processing flow of electronic acceptance bills is as follows:
1. Customers who apply for electronic bank acceptance bills open settlement accounts in the acceptance bank.
2. The accepting bank of electronic bank acceptance bill signs an electronic commercial bill business service agreement with both users.
3. The customer fills in the application form for electronic commercial bill business and applies for opening electronic bill business.
4. E-bank acceptance bill acceptance behavior customers open business functions and make digital certificates.
5. The accepting bank of electronic bank acceptance bill and the user sign corresponding agreements according to the business type.
6. Customers specialize in electronic bank acceptance bill business.