Whether the enterprise financial personnel can hold the certificate is very important to prevent the risk of bank acceptance bills. China Bill Network (www.zgpj.net) has summed up five methods from long-term work experience: one check, two listening, three touching, four comparing and five taking pictures, which are practical and effective.
Preliminary inspection: that is, by examining the "four characteristics" of the face-clarity, integrity, accuracy and legitimacy, the authenticity of the bill can be distinguished.
1. Clarity: It mainly means that the bill is flat and clean, and the handwriting and seal are legible, so as to achieve "two noes", that is, no stain, that is, no crease, water stain, oil stain or other dirt on the face. -No alteration, which means that all the recorded elements, signatures and endorsements on the ticket face have no traces of alteration.
2. Integrity: It mainly means that the bill is undamaged, all recording elements and signatures are complete, so that it is "two-free", that is, it is flawless, that is, the bill is undamaged such as corners and tears. No omission means that all the recording elements and endorsements on the face are complete and all kinds of signatures are complete.
3. Accuracy: It mainly means that all the recorded elements of the face are filled in correctly, and the signature conforms to the provisions of the negotiable instrument law, so as to achieve "two noes", namely:
Error-free items refer to the bank name, line number, special seal for draft, etc. The endorsement of a bill should be accurate and continuous.
There is no clerical error, that is, the number and the amount of the bill should be consistent, the writing should be standardized, and the date of issuance and payment should meet the requirements (the month requirement is 1, and zero should be added before February, and the date requirement is 1-9 and 10, 20 and 30).
4. Legitimacy: mainly refers to the normal circulation and acceptance of bills, that is, "two noes";
No exemption means that bills with indicators of "non-negotiable", "pledge" and "entrusted collection" cannot be discounted.
Non-prohibition means that bills should not fall within the scope of being stolen, cheated or lost, and do not fall within the scope of prohibiting circulation and publicity in the public security law.
The second hearing: that is, by listening to the sound made by shaking the bill paper, the authenticity of the bill can be distinguished.
When you shake the bill by hand, the paper of the bill will make a crisp sound, and you can obviously feel the toughness of the paper, while the paper of the fake ticket is soft, cotton and not brittle, and the face color is dark and dirty, and some printed parts are illegible.
Three touches: that is, the authenticity of the bill is identified by touching the concave and convex feeling of the bill number.
There are brown, black and red ink on the front and back of the draft number, and there are obvious bumps when touching it with your fingers.
The number of fake tickets rarely uses breathable ink, and it is not obvious to touch the bumps with your fingers.
Comparison: that is, by comparing the "four anti-counterfeiting marks" on the ticket face to identify the authenticity of the bill.
1. Paper anti-counterfeiting: color fibers can be seen irregularly distributed on the surface of the bill of exchange without instruments; If a chemical element is added to the paper of the bill, if it is altered with acidic or alkaline substances, the bill will change color.
2. Anti-counterfeiting of ink: the amount of the word line in the middle of the bill consists of fluorescent water-soluble lines. If the bill is altered or changed, it will change here and the lines will disappear.
3. Microfilm: The underline of the words "bank acceptance bill" on the front of the bill consists of the words "Huipiao" in Chinese pinyin; In the middle of the draft, there is a right diagonal line composed of Chinese pinyin "Huipiao", which runs through the broadband area of the whole face.
4. Printing anti-counterfeiting: The words in the heart of plum blossom in the lower right corner of the draft are lowercase Chinese pinyin H, and the letter H should be hollow.
Five photos: that is, using the "four lights" of the discriminator to distinguish the authenticity of banknotes.
1. Magnifier: Under the magnifying glass, it can be observed that the printed lines on the front of the bill are clear and continuous, and the paper has no traces of alteration or discoloration. At the same time, the clear and continuous miniature characters on the front of the bill can also be observed through the secondary mirror of the master-slave magnifying glass.
2. Short-wave lamp: Under the short-wave lamp, you can observe that the QR code on the back of the bill is light green fluorescent under the lamp.
3. Long wave lamp: under the strip wave lamp, fluorescent fibers can be observed to be irregularly distributed on the surface of the bill of exchange; The amount word line on the front of the banknote has a red fluorescence reaction; The upper left corner of the draft is printed with the red acceptance emblem, which is orange; There is a secret code on the right of the word draft, which is the emblem of each bank (ICBC is the word), and it shows a light green fluorescence reaction under the long-wave lamp.
4. Watermark lamp: Under the watermark lamp, it can be observed that the small plum blossom and the word "HP" with black and white watermark are arranged inside the banknote, with one upside down, one yin and one yang, and the position is not fixed and the direction is not positioned.
(2) Whether the payment of the acceptance bill is stopped.
When an enterprise receives a bank acceptance bill, it should pay attention to examining whether the bill has been reported for loss and stopped paying. When an enterprise receives a bank acceptance bill, it can first log on to the court websites of www.chinacourt.org and China to inquire about the court announcement information.
(3) Whether the acceptance bill has expired.
The endorsement of an acceptance bill must be transferred before the maturity date of the bill, and may not be transferred after the maturity date.
(4) Whether the endorsement is continuous.
An acceptance bill transferred by endorsement shall be endorsed continuously. The holder proves his right to draft through the continuity of endorsement; A bill obtained by other legal means without endorsement shall be proved by evidence according to law.
The so-called continuity of endorsement means that the signatures of the endorser who transfers the acceptance bill and the endorsee who accepts the acceptance bill are continuous in the transfer of the bill.
The discontinuity of endorsement of acceptance bill will directly affect the bill rights of the last holder, such as endorsement transfer, discount and acceptance. There are also defects such as whether the bill is polluted, whether there are traces such as ink, and whether it is complete. You can write by machine, but you can't write by hand and print by machine. .
It is very important whether the endorsement is continuous, whether the endorser's signature is complete (the financial seal is stamped with the endorser's seal), whether the endorser's writing is standardized and whether it has been altered (important! ! ) Are there any traces of scraping, mending or altering with a knife?
The bank signature on the front of the bill is the special seal for the bill and the competent seal. 1. The face of a bank acceptance bill is neat, the handwriting is unchanged and the face is undamaged. Specification for writing date, maturity date and amount of bank acceptance bills. The drawer's seal (financial seal and legal person seal) of the bank acceptance bill is clear. Two, the correct way to stamp the bank acceptance bill is to stamp the blank in the center of the endorsement box. The seal shall be clear and the handwriting on the seal shall not be flawed. 3. If the seal of the bank acceptance bill is vague and needs to be changed, in principle, it still needs to be stamped in the blank space in the box. If the blank space in the box cannot be stamped with the second seal, and the seal is beyond the box, the seal must intersect with the downline of the endorsement box, and the seal of the endorser shall not be hung outside the box. Four, the seal of the bank acceptance bill shall not be stamped in the "endorsee" column, and the seal shall not exceed the upper box line. Five, the bank acceptance bill should be written correctly by the endorsee, and the handwriting is neat, and the endorsement of the bank acceptance bill is continuous, that is, the head of the endorsee must be the head of the financial chapter covered by the next endorsement box. Seven, if the bank acceptance bill is accompanied by proof, generally no charge. In the case of collection under special circumstances, the contents of the certificate letter should be checked with the contents of the bank acceptance bill (drawer's information, payee's information, amount, date, reason, seal and issuer's official seal). 8. There is no charge for bank acceptance bills issued by rural credit cooperatives. Bank acceptance bills drawn by city commercial banks need to be confirmed with the financial department whether to collect them. Improper collection of bank acceptance bills will have a certain impact on the company's capital withdrawal. China Bill Network reminds relevant personnel of enterprises to check carefully when collecting bank acceptance bills!