Bank acceptance bills have the right of endorsement and transfer.

The electronic bank acceptance bill is an application made by the drawer (i.e. the acceptance applicant) in the form of a data message to the bank where the account is opened. After the acceptance bank approves and agrees to the acceptance, the acceptance applicant is guaranteed to pay unconditionally on the specified date. An instrument establishing an amount payable to the payee or bearer.

Electronic bank acceptance bills are the inheritance and development of paper bank acceptance bills. The rights and obligations of bills reflected in electronic bank acceptance bills are no different from paper bank acceptance bills.

The difference is that electronic bank acceptance bills replace the original paper physical bills in the form of data messages, electronic signatures replace physical signatures, network transmission replaces manual transmission, and computer entry replaces manual writing. It has realized the complete electronicization of the bill business processes such as bill issuance, circulation and redemption.

Extended information:

According to the "Measures for the Administration of Electronic Commercial Bill Business":

Article 39 Transfer endorsement means that the holder transfers the electronic commercial bill A bill act in which rights are transferred to others in accordance with the law. After the bill is presented for payment, it cannot be transferred or endorsed.

Article 40 Transfer endorsement should be based on real and legal transaction relationships and creditor-debt relationships, or on legal behaviors such as taxation, inheritance, donation, and dividend distribution.

Article 41 The transfer endorsement must record the following matters:

(1) The name of the endorser;

(2) The name of the endorsee;

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(3) Date of endorsement;

(4) Signature and seal of the endorser.

Section 4 Discounting, Rediscounting and Rediscounting

Article 42 Discounting means that the holder endorses and transfers the rights to the bill to a financial institution before the maturity date of the bill. The act of paying the agreed amount to the holder after deducting a certain amount of interest.

Rediscounting means that the financial institution holding the bill transfers the endorsement of the rights to the bill to other financial institutions before the maturity date of the bill, and the other financial institution pays the agreed amount to the holder of the bill after deducting a certain amount of interest. Behavior.

Rediscounting means that the financial institution holding the bill transfers the endorsement of the rights to the bill to the People's Bank of China before the maturity date of the bill, and the bank pays the agreed amount to the holder after deducting a certain amount of interest. Behavior.

Article 43 Discount, rediscount and rediscount are divided into buyout type and repurchase type according to the transaction method. The buyout type refers to a transaction method in which the issuer transfers the rights of the note to the issuer without agreeing to redeem it

in the future. The repurchase type refers to a transaction method in which the issuer transfers the rights of the note to the issuer and agrees to redeem it in the future. In the discount, rediscount and rediscount business of electronic commercial bills, the party to the bill who transfers the rights to the bill is the issuer, and the party to the bill who transfers the rights to the bill is the party to the bill.

Article 44 When conducting repurchase discount, repurchase rediscount and repurchase rediscount business, the parties to electronic commercial bills shall specify the redemption opening date and redemption deadline.

The redemption opening day refers to the starting date for handling repurchase discount redemption, repurchase rediscount redemption and repurchase rediscount redemption business. The redemption deadline refers to the deadline for handling repurchase discount redemption, repurchase rediscount redemption and repurchase rediscount redemption business. This date should be earlier than the maturity date of the bill. The redemption open period starts from the redemption open date to the redemption deadline.

Article 45 Before the opening day for redemption, the original issuer and the original issuer shall not perform any other bill behavior other than recourse. The original issuer and the original purchaser of repurchase discount, repurchase rediscount and repurchase rediscount business shall be in accordance with the agreement.

Redeem notes during the open redemption period. If the note is not redeemed during the redemption opening period, the original subscriber can only endorse the note to others or exercise the rights on the note after the redemption deadline. Other rights and obligations other than the note relationship shall be agreed upon by both parties.

Article 46: When applying for discount, the holder shall provide the holder with contracts, invoices and other materials to prove the true transaction relationship or creditor's rights and debts relationship between it and its immediate predecessor. And make corresponding records on the electronic commercial draft, and the person who submits it should be responsible for review.

Article 47 The following matters must be recorded in the discounting, rediscounting and rediscounting of electronic commercial bills:

(1) The name of the person posting;

( 2) Name of the person posting;

(3) Date of discount, rediscount or rediscount;

(4) Type of discount, rediscount or rediscount;

(5) Discount, rediscount or rediscount interest rate;

(6) Actual amount paid;

(7) Signature and seal of the person who posted it. The actual amount paid is the amount actually paid by the poster to the poster. Repurchase discount, repurchase rediscount and repurchase rediscount should also record the redemption opening date and redemption deadline. The discount should also record the information of the person who issued the discount.

Article 48: Repurchase discount, repurchase rediscount and repurchase rediscount redemption of electronic commercial bills shall be endorsed and the following matters shall be recorded:

(1) The name of the original poster;

(2) The name of the original poster;

(3) Redemption date;

(4) Redemption Return interest rate;

(5) Redemption amount;

(6) Signature and seal of the original affixer.

Article 49 The discount and rediscount interest rates, terms, etc. shall be determined through negotiation between the poster and the recipient. The rediscount rate is set by the People's Bank of China.

Article 50 Electronic commercial bill discounting, re-discounting and re-discounting can choose the bill payment method or other methods to clear funds. The term "payment against payment" as mentioned in these Measures refers to a transaction method in which the delivery of bills and the delivery of funds are completed at the same time and are mutually conditioned.

Baidu Encyclopedia-Electronic Bank Acceptance Bill