Electronic bank acceptance bills are the inheritance and development of paper bank acceptance bills. They realize the replacement of original electronic paper bills with data messages, replace physical signatures with electronic signatures, and transmit them through the Internet. Instead of manual transmission, computer entry replaces manual writing, and the complete electronic process of bill issuance, circulation, and cashing is efficient, safe, and convenient. Electronic bills have become a major trend in the future, so what is the difference between electronic bills and paper bills?

First of all, in terms of media:

Paper bills have real certificates, that is, blank certificates; electronic bills only have electronic information stored in the People's Bank of China's ecds, and have no real certificates. At this time, everyone will think that banks will stamp settlement seals when accepting physical bills. What about electronic bills? In fact, the People's Bank of China ECDS has an electronic signature for each transaction of any electronic bill, such as acceptance and receipt, endorsement application, and discount. All applications require an electronic signature (but people may misunderstand electronic signatures because the People's Bank of China has teaching and research on signature information. For this signature, the People's Bank of China ECDS requires signature information as long as the field value in the message is not empty. The specific signature information Determined by each commercial bank), this is also the essential difference between electronic bills and paper bills.

From the perspective of bill elements:

The issuance date and maturity date of paper bills cannot exceed 12 months (the maximum number of days is 360 days). Electronic bills The month between the issuance date and expiry date cannot exceed 1 year. At the same time, the upper limit of the amount of electronic bills is 1 billion, and there is no requirement for paper bills.

In terms of circulation situation:

Electronic bills do not have certificates, so there are the following main changes during circulation:

1. Because electronic bills Without a certificate, there is no need to allocate ticket numbers when accepting electronic bills. The ticket numbers of electronic bills are generated by the People's Bank of China during the issuance registration. The ticket numbers of paper bills are generally assigned after the bank's approval.

2. Blank voucher fees will no longer be charged when accepting paper bills. Generally, banks need to charge blank voucher fees for paper bills;

3. When accepting paper bills, the People’s Bank of China stipulates that The acceptance fee is 5/10,000, and the electronic bill is the acceptance agreement fee. The specific rate is confirmed by each commercial bank, and the People's Bank of China does not require it.

4. Electronic bills no longer require inquiry and manual inspection There is no need to worry about risky tickets and cloned tickets;

5. Electronic notes no longer need to be put in and out of the warehouse. Of course, this point is specific to different banks. The management methods may be slightly different;

6. Electronic bills no longer distinguish between the same city and different places. When calculating interest, the rules are the same as adding a few days;

7. Because Electronic bills have no certificates and do not need to be mailed for collection. Therefore, electronic bills do not need to be issued a few days in advance.

8. For electronic commercial bills, if the right holder prompts for payment online when it is due and the acceptor fails to sign for it for more than three days, the acceptor's bank must bring the acceptor to respond;

Summary:

1. The essential difference between electronic bills and paper bills is that the media are different;

2. Because electronic bills have no certificates, some unique operations of paper bills are not available ( For example, allocating ticket numbers, collecting production fees, entering and exiting the warehouse, querying and reviewing, etc.)

3. There is no risk in electronic tickets. Cloning tickets can basically be said to be zero risk, and it will be very fast. Be recognized by the market.