How to endorse a bank acceptance bill

If it is a bank acceptance bill from the Agricultural Bank of China, and the endorsement is a transferred bill, the endorsement should be continuous. The holder proves his rights to the instrument by the succession of endorsements. If the instrument is obtained by other legal means without transfer by endorsement, evidence shall be produced in accordance with the law to prove its rights in the instrument. Continuous endorsement means that the indorser of the first endorsement and transfer of the instrument is the payee recorded on the instrument, and the endorsee of the previous endorsement and transfer is the endorser of the subsequent endorsement and transfer, in sequence, and the endorsee of the last endorsement and transfer is The indorser is the last holder of the instrument. The endorser of the bill shall endorse in sequence in the endorsement column on the back of the bill. If the endorsement column is not sufficient for endorsement, you can use a sticky note of the same format and stick it to the specified joint on the bill and voucher. The first recorded person on the sticky note shall sign at the joint between the note and the sticky note.

If you have applied for corporate online banking at the account opening bank and need to endorse the bill to others, log in to corporate online banking and click "Bill - Electronic Bill - Electronic Bill Application - Endorsement Transfer Application" and follow the prompts. After logging in, click "Review and Send" to review and send.

Methods for endorsement of bank acceptance bills

1. Endorsement refers to an ancillary bill act in which the payee signs and seals the bill and makes necessary records for the purpose of transferring the rights to the bill. .

When a bill of exchange is transferred by endorsement or certain rights in the bill are granted to others for exercise by endorsement, the name of the endorsee must be recorded. Individuals must record their real names, and units must record their full registered names. Only in a few cases, such as inheritance, business merger, bankruptcy compensation, etc., a bearer bill can be used.

The bill and voucher cannot meet the needs of the endorser to record the matters. An adhesive slip can be attached to the bill and voucher. The first person recorded on the sticky note shall sign and seal the joint between the bill of exchange and the sticky note. The matters recorded on the sticky seal shall have the same legal effect as those recorded on the bill of exchange. If the first person recorded on the sticky note has not If the bonding point is signed, the matters recorded on the bonding sheet are invalid.

The method of transfer by endorsement is usually to print the positions of a number of endorsement columns on the back of the bill in advance, indicating the transfer of the rights of the bill to the endorsee, leaving space for the endorser Endorser and The blank space for the endorsee Endorsee is for the endorser to fill in when making an endorsement. The Negotiable Instrument Law generally does not limit the number of endorsements. When the endorsement column or the back of the instrument is full, a "sticky slip" can be pasted on the instrument for endorsement. The endorsement should be signed and sealed by the endorser and the date of endorsement should be recorded. If no endorsement date is recorded, the endorsement will be deemed to have been made before the maturity date of the bill. The endorsement must also contain the name of the endorsee.

Legal effect of endorsement transfer:

Endorsement transfer does not require the consent of the debtor of the note. When a bill is endorsed and transferred, the actor does not need to give notice to or obtain an undertaking from the debtor of the bill. As long as the holder completes the endorsement act, it constitutes a valid transfer of rights to the instrument.

The transferor who endorses the transfer does not withdraw from the instrument relationship. After the endorsement transfer, the transferor does not withdraw from the bill relationship, but changes from the previous bill obligor to the bill obligor, and assumes the liability for guaranteed acceptance and guaranteed payment.

Endorsement transfer has stronger transfer effect. The transfer of instrument rights through endorsement can provide the transferee with more adequate protection. The Negotiable Instruments Law has designed a series of special systems to protect the rights of the transferee of the instrument. First, the transferee only needs to endorse consecutive instruments to prove his or her identity as the legal obligee without providing other proof. Secondly, the transferee can claim against the note debtor that the prior adversary's defense is severed, so that its rights in the instrument are not affected by the defenses between the note debtor and the prior indorser; thirdly, the transferee can claim that the acquisition was made in good faith. .

Restrictions on transfer:

If the drawer records the words "not transferable" on the bill, and the subsequent endorser endorses the transfer, the original endorser shall not be liable to the subsequent endorsee. Bear warranty responsibilities.

The bill must be transferred in its entirety. An endorsement that transfers part of the bill amount, or an endorsement that transfers the bill amount to more than 2 people separately, is invalid.

Endorsement must not be accompanied by conditions. The Negotiable Instruments Law stipulates that if there are conditions attached to the endorsement, the attached conditions will not have the effect of the bill of exchange.

If the endorsement records the words "entrusted collection", the endorsee has the right to exercise the entrusted bill of exchange rights on behalf of the endorser.

If a bill of exchange is refused acceptance or payment or exceeds the time limit for payment presentation, it shall not be endorsed for transfer; if the bill is endorsed for transfer, the endorser shall bear the liability for the bill.

What is the meaning of endorsement in bank acceptance bill

Endorsement is a bill act and an act of exercising the rights of a bill.

To put it simply, it means stamping the reserved bank seal on the "endorsement column" of the bill or sticky note.

Endorsement has many meanings:

1. Transfer, this is the most common. When you transfer the bill to the next party, you need to endorse it

2 , Pledge, pledge endorsement is required when pledging bills

3. Guarantee, guarantee

4. Entrusted collection at maturity,

Bank acceptance bill endorsement transfer process What is it like?

Bank draft endorsement transfer process: 1. Fill in the date, name of the payee, and amount on the front of the draft; 2. Write the name of the account opening bank on the back, stamp the company's financial seal, corporate seal, and indicate the entrusted collection Just mark it with the date; 3. If the bank is entrusted to receive the payment and also needs to be endorsed, the endorser should fill in the name of the receiving bank, or write the name of the endorsed company in the endorsement place, and then fill in the box below Just stamp it with the company's bank seal. Usually on the back of the bill, the positions of a number of endorsement columns are printed in advance, indicating the transfer of the rights of the bill to the endorsee, and leaving blank spaces for the endorser and the endorsee for the endorser to fill in when making an endorsement. . The Negotiable Instrument Law generally does not limit the number of endorsements. When the endorsement column or the back of the instrument is full, a sticky note can be pasted on the instrument for endorsement. The endorsement should be signed and sealed by the endorser and the date of endorsement should be recorded. If no endorsement date is recorded, the endorsement will be deemed to have been made before the maturity date of the bill. The endorsement must also contain the name of the endorsee.

How to stamp and endorse a bank acceptance bill

The correct way to sign a bill is as follows:

1. The signature on the bill generally refers to the time when the bill is issued. The signature and seal of the drawer, the signature and seal of the endorser when the bill is transferred, the signature and seal of the acceptor when the bill is accepted, the signature and seal of the guarantor when the bill is guaranteed, the signature and seal of the relevant agent when the bill is agency, and the holder's signature when exercising the rights of the bill Signed and stamped by the bearer.

2. Article 7 of the "Negotiable Instruments Law" stipulates that the signature on the instrument shall be a signature, a seal or a signature and a seal. A legal person or other unit that uses bills shall sign and seal the bill with the seal of the legal person or unit plus the signature of its legal representative or its authorized agent. The signature on the instrument shall be the real name of the party concerned.

3. Article 11 of the "Payment and Settlement Measures" stipulates that the signatures on bills and settlement vouchers shall be signatures, seals, or signatures and seals. The signature of the unit or bank on the bill and the signature of the unit on the settlement voucher shall be the seal of the unit or bank plus the signature or seal of its legal representative or its authorized agent. An individual's signature on bills and settlement vouchers shall be the signature or seal of the individual's original name.

4. If other financial institutions such as rural credit cooperatives, urban commercial banks and finance companies do not have a special seal for bills of exchange, they can affix their "official seal" or "special financial seal" and their legal representative. seal of the person or authorized person.

5. The drawer’s signature on a commercial bill shall be the unit’s “special financial seal” or official seal plus the signature or seal of its legal agent or its authorized agent.

Tips: Since the signature of the bill is an important recorded matter in the bill act, if the signature on the bill does not comply with the relevant bill regulations, the bill will be invalid. As for the signatures of the acceptor and guarantor on the bill that do not meet the requirements of laws and regulations, their signatures will be invalid, but it will not affect the validity of other signatures that comply with laws and regulations. If the endorser's signature on the instrument does not meet the legal requirements, his signature will be invalid, but it will not affect the validity of his predecessor's signature that complies with the legal requirements.

Remind bankers to pay attention to the following when endorsing signatures on acceptance bills:

1. The signatures should not overlap, be clear and not double, and find the correct position without leaving the endorsement column border.

2. If there is a sticky sheet, it must be neatly pasted and leave space for the seal and seal. The seam seal should be placed on the seam as much as possible, occupying 50% on each side.

3. Before signing, check whether the seal is clean and free of dirt. If so, clean it with a toothbrush.

4. The ink on the endorsement seal is too light and the sealing is not clear, resulting in missing writing

5. The words on the endorsement seal are wrong, with added or missing strokes

6. The characters on the endorsement seal and the person being endorsed overlap, and the characters on the endorsement seal cannot be read.

7. The ink on the endorsement seal is too thick or excessive, causing the seal to be blurred.

The endorsement of bank acceptance bill is What's the meaning?

Endorsement of bank acceptance bill is a kind of bill behavior and an important way to transfer the rights of the bill.

Endorsement refers to the behavior of the bearer recording relevant matters on the back of the bill or on the sticky note and signing the bill in order to transfer the rights on the bill to others or grant certain rights on the bill to others.

After endorsement, the ownership of the instrument is transferred from the endorser to the endorsee. A bill can be endorsed multiple times and transferred multiple times.

1. Commercial bills can be transferred by endorsement. After the endorser transfers the bill by endorsement, he assumes the responsibility of guaranteeing subsequent payment. When the bill is not paid, the endorser shall pay the holder:

The amount of the bill that is refused payment;

The amount of the bill from the maturity date or the date of presentation for payment to Interest calculated according to the interest rate prescribed by the People's Bank of China until the repayment date;

The cost of obtaining the relevant refusal certificate and issuing the notice.

2. Endorsement is a formal act. The endorsement must record the following matters:

The name of the endorsee;

The signature of the endorser.

If one of the above matters is not recorded, the endorsement will be invalid.

The date of endorsement should be recorded when endorsing. If the date of endorsement is not recorded, it will be deemed that the endorsement was made before the maturity date of the bill.

The endorsement records the words "entrusted collection", and the endorsee has the right to exercise the entrusted bill of exchange rights on behalf of the endorser. However, the endorsee may no longer transfer the rights to the bill by endorsement.

Extended information:

Endorsement of commercial bills of exchange

1. The bills of exchange can be pledged. When making a pledge, the word "pledge" should be recorded in the endorsement. When the endorsee realizes his pledge rights in accordance with the law, he may exercise his rights in the bill of exchange.

If the drawer of a bill records the words "not transferable" on the front of the bill, the bill shall not be transferred. If its direct successor endorses and transfers the bill, the drawer shall not be liable for the guarantee to the endorsee directly subsequent to it, and the bank will not accept the bill presented for payment or entrusted for collection by the endorsee.

If the endorser of the bill records the words "not transferable" in the endorser column of the bill, and subsequently endorses the transfer, the endorser who records the words "not transferable" shall not be liable to the subsequent endorsee. Warranty liability. ?A cashier's check may be transferred by endorsement only within its clearing area.

2. Endorsement must not be subject to conditions. If conditions are attached to the endorsement, the attached conditions will not have the effect of being written on the instrument. An endorsement that transfers part of a bill or that transfers the amount of the bill to two or more persons is invalid. If a bill is refused payment or exceeds the time limit for presentation for payment, it may not be endorsed for transfer. If endorsed for transfer, the endorser shall bear the liability for the bill.

3. The endorsement shall be recorded on the back of the bill or on the sticky note, and shall not be recorded on the front of the bill. If the endorsement column is not sufficient for endorsement, you can use a sticky note of the same format and stick it to the specified joint on the bill and voucher.

The first person recorded on the sticky note shall sign and seal where the note and sticky note are affixed. If the endorsement is recorded on the front of the instrument, the endorsement is invalid. Because the endorsement is recorded on the front of the instrument, it will be impossible to determine whether the endorser's signature is an endorsement, an acceptance, or a guarantee, and therefore the validity of the signature cannot be confirmed.

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