Electronic acceptance is the process of converting electronic acceptance bills into physical cash. In trading activities, the acceptor pays the holder to accept the bill electronically, and takes his own reputation as a guarantee to make a promise to the holder to exchange the same amount of cash after the electronic acceptance of the bill expires.
Electronic acceptance bill is the inheritance and development of paper bank acceptance bill, which replaces the original paper physical bill in the form of data message.
All transactions of electronic bank acceptance bills are conducted on the electronic commercial bill system, which can improve the efficiency of bill circulation, finance and business, and reduce the cost of manpower and financial resources.
When conducting electronic acceptance, we must first open the enterprise online banking. The business of opening enterprise online banking can be handled in the bank. When a bank handles the opening of enterprise online banking business, it should also open the electronic acceptance function of enterprise online banking. After completing the above steps, the related operations of electronic acceptance bills can be carried out on corporate online banking.
After receiving the electronic acceptance bill, the enterprise needs to hold the electronic acceptance bill, and can not accept it from the bank until the acceptance date indicated on the bill expires. Usually, the acceptance date of electronic acceptance bills is one year after the date of issue.
By adopting electronic signature and reliable security authentication mechanism, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risk of bills being cloned, altered, forged, lost and damaged. The issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount and other bill behaviors of electronic bank acceptance bills are carried out on the electronic commercial bill system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and commercial efficiency.
Electronic commercial bill refers to a bill made by the payer in the form of data message relying on the electronic commercial bill system of the People's Bank of China, and entrusting the payer to unconditionally pay a certain amount to the payee or holder on a specified date.
Electronic commercial bills are divided into electronic bank acceptance bills and electronic commercial acceptance bills.
Electronic bank acceptance bills are accepted by banking financial institutions and financial companies; Acceptance of electronic commerce by legal persons or other organizations other than financial institutions.