In recent years, due to the negligence of some banks and the updating of criminal methods, bank acceptance bills have evolved from a settlement tool into a type of bank financing business with high operational risks. This article starts with a real case and makes suggestions for the standardized operation of counter bill business.

Ensure that all elements of the bill are properly verified

A customer brought a bank acceptance bill worth 4.8 million yuan to the business department of a branch in Qitaihe, Heilongjiang to apply for discount business. The teller of the business department identified that the paper on the face of the ticket was genuine. The last digit of the ticket number was altered. There was no red penetrating ink on the last digit on the back. The last digit of the ticket number was further observed under the purple light in the upper right corner. There are breaks in the shading, the amount in capital letters is blurred, and there are traces of digging and patching. The ten horizontal lines of the purple light have changed color and are broken after being painted. The handling teller contacted the issuing bank and asked the other bank to help scan the 4.8 million money order card to the bank through the query and review function of the small amount system. After another comparison, it was found that there was a difference in the position of the numbers in the lowercase amounts of the two tickets, which was altered. The direction of the signature of the person issuing the ticket at the bottom of the ticket is inconsistent with the direction of the original ticket card. After asking the other bank, I learned that the ticket issuing company's method of issuing tickets is large and small, and the tickets are issued in another place. The bank immediately launched an emergency plan, while stabilizing customers, and reporting to the leaders of the business department. At the same time, the fake bank acceptance bills were confiscated and reported to the police. Similar cases happen from time to time.

Bank practitioners all know that bill discounting, especially bill pledge business, is a relatively common business of commercial banks. In addition to the risk of counterfeit bill fraud, a large number of operational risks are related to the counter. Settlement risks, of which bounced checks and chargebacks account for a large proportion.

Bill verification is the primary link in counter operations, and bill verification personnel should have bill verification qualifications. When the business initiating department needs to handle bill inquiry and verification, it should fill out the "Bank Acceptance Bill Pledge Inquiry Application Form" in duplicate and sign it, and submit it to the business department together with the original second copy of the acceptance bill (note: bills are possession securities. Claiming rights to bills must require possession of the bills). If the business initiating department submits a fax or copy of the bill for any reason and requests for an verification opinion, the counter verification personnel shall not accept it.

In the actual verification process, the issuing bank (reputation and strength) must first be reviewed to determine whether the acceptance applicant has a basic or general deposit account with the bank and whether it is a legal holder of the pledged bill. The person and the full name are written correctly (a bill with a changed payee name is invalid according to Article 12 of the Negotiable Instruments Law), and whether the signatures and seals on the bill of exchange are complete (note: the signature of the drawer on the bank bill and the signature of the acceptor of the bank acceptance bill. The seal shall be the special seal for bank drafts plus the signature or seal of the legal representative or his authorized agent. If the signature is incorrect, such as a "business seal", a "project seal" or even an "invoice seal" , the signature does not have the legal effect of the bill), and the bank number is also an important factor in compiling and verifying the security and is indispensable (a secret deposit is not an absolute record of the bill).