Bank business after the electronic acceptance period expires: The payer should accept or reject the acceptance bill within the third day from the date of receipt. After receiving the acceptance reminder, the payee should also issue a bill of exchange receipt to the holder. The receipt should indicate the date of acceptance presentation and the receipt should be signed. Under the bill law, there will generally be a reminder date, and payment should be made after the bill holder submits it. Since the maturity date of the bill starts from the date of acceptance, the holder should accept it as soon as possible, and the drawee will not be liable for the bill before acceptance. When this kind of bill gets the bank's payment commitment, it becomes a bank acceptance bill. As a short-term financing tool, the bank acceptance bill generally has a term of 30 to 180 days, with 90 days being the most common. A commercial acceptance bill is a bill issued by the drawer and entrusts the payee to unconditionally pay a determined amount to the payee or holder on a specified date. If it is accepted by a payee other than a bank, it is a commercial acceptance bill. Electronic acceptance bills are electronic A classification of commercial bills. The use of electronic signatures and reliable security authentication mechanisms ensures the uniqueness, integrity and security of electronic bank acceptance bills, and reduces the risk of bills being copied, tampered with, forged, lost, damaged, etc.

: Acceptance bills are divided into bank acceptance bills and commercial acceptance bills. At the same time, according to the form of existence, a bank acceptance bill is an order issued by the creditor requiring the debtor to pay.

An electronic commercial bill is a bill in which the issuer entrusts the payee to unconditionally pay a certain amount of money to the payee or holder on a specified date in the form of a data electronic document, and is issued in the form of a data message. Compared with commercial bills in circulation, electronic signatures have the distinctive feature of replacing physical signatures and preventing forgery or alteration of bills, which plays a very important role in reducing settlement costs, improving settlement efficiency, and controlling financial financing risks.

What are the classifications and differences of electronic acceptance bills?

Electronic acceptance bills are divided into electronic bank acceptance bills and electronic commercial acceptance bills. The differences between them are mainly reflected in the following three aspects.

1. Different acceptors. Electronic bank acceptance is accepted by banks and financial companies, while electronic commercial acceptance is accepted and settled by enterprises.

2. Credit ratings are different. Electronic bank acceptance bills are based on bank credit and have a relatively wide circulation range, while electronic commercial acceptance bills are based on the credit of the accepting enterprise and have a less wide circulation range.

3. Different approval mechanisms. Electronic bank acceptance bills require the payment of a deposit, and the bank approves the issuance amount and time limit, while electronic commercial acceptance bills do not require the payment of a deposit, and their issuance amount, amount, and time limit are entirely determined by the enterprise.