1. Establishment Conditions

Customers who apply for electronic bank acceptance bill business through corporate online banking should first apply to their account opening bank to register as an online banking certificate customer.

(1) If a registered corporate online banking certificate customer needs to open electronic bank acceptance bill business, please provide the following information: corporate organization code certificate and copy, legal person and agent ID card and copy, Authorization letter, official seal, reserved seal and legal person seal, and other information required by the account opening outlet.

(2) If customers who have not yet registered a corporate online banking certificate need to open electronic bank acceptance bill business, please provide the following information: original, duplicate and photocopy of corporate business license, organization code certificate and photocopy, legal person And the agent's ID card and copy, authorization letter, official seal, reserved seal and legal person seal, and other information required by the account opening outlet.

2. Notes when filling out the form

1. Fill in the date:

Date of bill of exchange (in capital letters): Use Chinese capital letters, for example, March 9, 2011 The day should be written as "2011 years, three months and nine days".

The expiry date cannot be more than 6 months greater than the invoice issuance date;

The invoice issuance date (in capital letters): the date in Chinese capital letters.

Currently, handwriting is relatively rare. Nowadays, software is usually used for printing. For example: In the Little Bad Wolf bill printing software V10.5 used by banks, the billing date defaults to the current date in capital letters, and you can choose to modify it or not print it. Enter 2011.10.5 as the expiration date and press Enter, it will automatically convert to uppercase date.

2. RMB (uppercase): Use Chinese uppercase letters and numbers to fill in the amount of the invoice. The uppercase and lowercase letters must be consistent. Bank acceptance bills are always settled based on the amount issued.

Uppercase numbers: one, two, three, four, five, six, seven, eight, nine, zero.

Uppercase digits: Shi, Bai, Qian, Wan, Yi, Yuan, Jiao, Fen.

For example, (1) the amount in lowercase is ￥42000000.00, and the RMB (uppercase) should be written as "four thousand two hundred thousand yuan". The capital letters "without angles and cents" should be written as "whole" (which can be abbreviated as "whole") at the end, not zero angles and zero cents.

(2) ￥164003.70 is written in the RMB (capital) column as "One Shilu Wansi Thousand Three Yuan Qijiao". The whole word here can be omitted, but it cannot be written as zero points.

3. Endorsement: Endorsement is a legal act performed by the holder; the main purpose of endorsement is to transfer the rights on the instrument. If you do not want the payee to transfer, you can print or fill in the words "not transferable" on the endorsement;

4. For bulk issuance by banks or units or institutions with large acceptance business volume:

Manually filling in and issuing batches of acceptance bills is a very arduous task. It is recommended to use bill printing software, but from a risk perspective, hand-filled bills are more anti-counterfeiting than machine-printed bills.

3. Bill of Exchange Acceptance

After completing the bank acceptance bill, the cashier of the paying unit should check the relevant contents of the bill with the transaction contract, and fill in the "Bank Acceptance Bill" after verification. Acceptance Agreement" and bank acceptance bill list, and stamp the official seal of the unit on the "Acceptance Applicant".

The bank acceptance agreement is generally in triplicate, one for the bank's credit department, one for the bank's accounting department, and one for the paying unit. The main content is the basic content of the bill. After the bill is accepted by the bank, the acceptance applicant should Basic terms to be observed, etc. After the bank's review is completed, the bank's official seal or contract seal will be stamped on the bank acceptance agreement, a special stamp for bank bills will be stamped on the bank acceptance bill, and at least one handler's private seal will be stamped.

Extended information:

Common endorsement issues

Bank acceptance bill endorsement is the most important transfer method of bank acceptance bill. However, in actual business, due to the operator Various errors during the endorsement process lead to the occurrence of defective bills, which directly affects the rights of the holder of the bill. There are three main types of common endorsement issues.

1. Defects in endorsement signatures

According to the relevant provisions of my country’s "Negotiable Instruments Law", endorsement of bank acceptance bills requires signatures. Add " Stamp the company's financial seal and legal person seal. During the signing process, it is easy for problems such as the signature to be too weak, the seal to melt, and the signature to fall out of the frame. To solve such defects in the endorsement and seal, the unit with the defective signature needs to issue relevant certificates.

2. The issue of endorsement with seam seal

Endorsement requires signature in the endorsement column on the back of the bill. If the bill voucher cannot meet the needs of the endorser to record the matters, a sticky note can be attached. Attached to the bill voucher. When using adhesive slips for endorsements, the issue of seam seals is involved. Common defects in seam seals for endorsements mainly include the lack of seam seals on the adhesive slips and the disconnection of seam seals.

3. Inconsistency between the endorsement and the backend

The inconsistency between the backend and the backend is also a serious endorsement error in the endorsement process. It mainly refers to the name of the endorsee in the endorsement and the name of the endorsee in the back. The signing unit of the endorser does not match, which directly affects the discount and acceptance of the bank acceptance bill.

According to statistics, in addition to the three common problems of endorsement signature and seal defects, endorsement seam seal problems, and endorsement inconsistencies, there are also endorsement problems such as beheaded endorsement, altered endorsement, and reverse endorsement.

Therefore, bank bill practitioners and corporate financial workers should pay close attention to the endorsement issue of bank acceptance bills and effectively protect their rights when receiving, using and transferring bills.

Baidu Encyclopedia - Electronic Bank Acceptance Bill

Baidu Encyclopedia - Bank Acceptance Bill