What Matters Should Be Noticed In Handling Commercial Draft Business?

A commercial bill is a note issued by the drawer, which entrustment the payer to pay the fixed amount to the payee or the holder on a specified date.

Attention must be paid to the following matters in handling commercial bills.

(1) handle

Based on the real paction relationship and debt and debt relationship, the drawer must not issue a commercial bill without consideration, so as to defraud the bank or other parties involved in the bill.

(2) the drawee of a commercial bill shall be a legal person and other organization that opens a deposit account in a bank, and has a real entrusted payment relationship with the drawee (that is, the holder) and has a reliable source of funds to pay the amount of the bill.

(3) the issuance of commercial drafts must be based on "

The Seventy-eighth provision of the method stipulates that the items must be recorded in detail.

(4) the commercial acceptance bill and bank acceptance bill currently used in our country are all fixed in form. When the drawer issues the draft, he should record the specific maturity date on the draft.

(5) a commercial draft can be presented to the drawee at the time of issue, and it can be used first after the ticket is issued and then presented to the drawee.

Commercial acceptances and bankers' acceptances must be presented to the drawee before the date of maturity of the draft.

Acceptance must not be accompanied by conditions.

(6) when a commercial draft holder applies for a discount to the bank, he must provide a copy of the VAT invoice and a shipping document of the goods between the Direct Holder and the bank.

The interest rate of discount interest is calculated. The Bank of the acceptor in discounted land, discount, rediscount and rediscount should add another 3 days' payment date.

Commercial draft

Generally, the method of entrusted collection is adopted.

The prompt payment period of commercial draft is 10 days from the date of maturity of the bill.

The holder shall make a payment by the Bank of the bank or make a prompt payment to the drawee during the prompt payment period.

The holder can make a calculation of the postal process and entrust an account in advance through the opening bank.

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In order to avoid unnecessary economic losses, it is necessary for banks, enterprises, accountants and even individual businesses to grasp the main characteristics of the existing banks, bills of exchange and bank acceptance bills, and to learn some ways to identify the true and false bills of exchange.

These methods have the following five points:

First, look at the paper.

Bank draft and bank acceptance bill are typewritten paper.

Bank draft second is printed with emblem paper.

The second banks of the bank acceptance bill adopt the emblem watermark paper of the people's Bank of China.

Two, look at the color.

The colored and fluorescent emblem of bank draft and bank acceptance bill and their markings are bright red and pure under natural light. They are distinct under ultraviolet irradiation.

Three, read the secret.

The colourless fluorescence markup of bank draft and bank acceptance bill is accurate and visual, and the pattern is clear under ultraviolet light.

Four, look at the specifications.

The size of paper size for bank draft and bank acceptance is 100 * 175mm..

Five, see whether the specification is filled.

The amount of money written in the bank draft and the bank acceptance bill must be pressed by the number of presses. There must be a signed seal, and the line number of the seal is in line with the line number of the issuing bank; the date of issue must be capitalized; the list of the staff must be issued; the bank draft has the number of the mortgage above the "excess amount" column; the bank acceptance bill must also have a financial special seal and a legal person's seal.

If a bill of exchange is found suspicious, it should be sent to the local bank for identification in time. When the authentication is actually a draft, it should be reported to the local people's Bank and the public security department promptly to ensure the safety of the state and personal property.