What is the acceptance date of the banker s acceptance bill

The acceptance date is neither the date of issue nor the expiration date.

It is the date on which the bank promises to make an unconditional payment.

Theoretically, it is generally the drawer who issues the ticket first, and then the bearer goes to the bank to accept the bank payment after expiration.

However, in the actual operation process, the bills issued by the enterprise are generally accepted by the bank first, so that the bearer's heart is solid.

The bill that is paid at sight means that the bank will give you money when it sees the bill, so there is no need to accept it.

Bills of exchange payable at sight do not need to be prompted for acceptance.

Commercial bills of exchange for fixed payment or regular payment after issuance, the bearer shall prompt the payer for acceptance before the maturity date of the bill.

For bills of exchange that are paid regularly after seeing the bill, the bearer shall prompt the payer for acceptance within one month from the date of issuance.

If the bill of exchange is not accepted within the prescribed time limit, the bearer loses the right of recourse against his predecessor.

Acceptance refers to the bill of exchange payer's commitment to pay the amount of the bill of exchange on the maturity date of the bill. Acceptance is a unique bill of exchange behavior.

When the payer of the bank acceptance bill receives the bill of exchange from the drawer or the bearer to the drawer for acceptance, it shall issue a receipt of receipt to the drawer or bearer, record the date of acceptance of the bill of exchange and sign it. The payer shall, within 3 days from the date of receipt of the bill of exchange for acceptance, accept or refuse to accept. If the payer refuses to accept, it must issue a certificate of refusal to accept.

The maturity date of the banker's acceptance draft is determined according to the date of issue.

The maturity date of the bank acceptance bill is the acceptance date, and the acceptance period of the bank acceptance bill is generally 3 months to 6 months, and the current circulation in the market is generally 6 months. The date of issue is the date on which the bill of exchange was issued. The acceptance date is the date on which the bank promises to pay unconditionally, that is, the maturity date of the bill of exchange.

Between the date of issuance and the date of acceptance, the bill can be negotiable endorsement and poster. Generally speaking, the term of a banker's acceptance cannot exceed six months. Acceptance Bank.

Within 10 days before the maturity date of the acceptance bill, the acceptance applicant will be notified to go to the bank for acceptance payment. If the applicant acceptor says that it cannot be accepted, it can apply to the bank for a delay in acceptance, and generally speaking, the delay in acceptance shall not exceed 10 days.

The bank acceptance bill is a kind of deferred payment bill issued by the bank entrusted by the payer, and the bank has the obligation to pay at sight when the bill expires; The maximum term of the note is six months, and the endorsement transfer can be carried out during the term of the note. Due to the bank guarantee, the bank has certain requirements for the unit entrusted to issue the bank acceptance bill, and the enterprise is generally required to deposit a deposit equivalent to the amount of the bill.

When the bill matures, some enterprises deposit a deposit of tens of percent of the amount of the bill to the bank, but the bank must make a bank acceptance bill credit to the enterprise and the credit line is granted.

If there is no bank credit, there is no qualification to issue bank acceptance bills. Commercial bills.

It is divided into commercial acceptance bills and bank acceptance bills.

Bank Acceptance Bill Handling Fee" service charge** standard is charged according to the face value. For paper bank acceptance bills, the acceptance bank fee shall be deducted from the deposit account of the payment unit by the accepting bank. For example, if the amount of the invoice is 10 million yuan, the handling fee of the bank acceptance draft is 5,000 yuan.

If the handling fee of each bank acceptance draft is less than 10 yuan, it will be charged at 10 yuan. For the handling of electronic bank acceptance bills, there is currently no unified provision for the acceptance fees of electronic bank acceptance bills, and each bank implements different standards.

Prompt acceptance. The period of the period is ten days. According to the relevant laws and regulations, within 10 days from the date of issuance, the bearer of the cheque shall prompt payment, and the prompt payment period shall be exceeded.

, the payer may not pay the code only the bird, and the promissory note.

The payment period shall not exceed two months from the date of ticket issuance.

Extended information: 1. Payment term of bank acceptance bill.

According to the People's Bank of Zhongshan Xunguo.

Article 87 of the Payment and Settlement Measures stipulates that the payment period of a bank acceptance bill shall not exceed 6 months; That is, the bank acceptance bill recorded in the bill shall not exceed 6 months from the "date of issuance" to the "maturity date of the bill".

2. The term of the right to the banker's acceptance bill.

The rights of the bearer of the bank acceptance bill to the drawer and acceptor of the bill shall be extinguished within 2 years from the maturity date of the bill, and the right of the bill shall be extinguished if it is not exercised within the following period.

3. The right of recourse for bank acceptance bills.

Term. The holder of the bank acceptance bill has the right of recourse against the previous hand, 6 months from the date of refusal to accept or refusal to pay; The right of recourse shall not be exercised beyond this period.

Fourth, the term of recourse for bank acceptance bills.

The recourse of the holder of the bank acceptance bill against the previous hand shall be extinguished sooner or later if the recourse is not exercised after the date of repayment or the date of the lawsuit.

5. The bank acceptance draft prompts the payment deadline.

The holder of the bank acceptance bill must be the acceptor before the payment of the bill to its prompt acceptance, according to the acceptance of the region is different or the same city, respectively, to give the other party a full reminder period, prompt payment period is ten days after the maturity date of the bill.

6. The time limit for refusal of acceptance of bank acceptance bills.

The payer of the bank acceptance draft shall accept or refuse to accept within 3 days from the date of receipt of the reminder acceptance. In case of refusal, a certificate of refusal must be issued. Negotiable Instruments Act.

It is stipulated that the payer's acceptance of the bill of exchange shall not be accompanied by conditions, and if the acceptance is conditional, it shall be deemed to be a refusal to accept.

7. Publicity and reminder of bank acceptance bills.

Application Period.

The Negotiable Instruments Law stipulates that the person who loses the bill shall apply to the people's court for publicity and reminder within 3 days after reporting the loss and stopping payment; or after the loss of the bill, directly apply to the people's court for publicity and reminder.

8. The time limit for the publicity and reminder of the bank acceptance bill.

After the people's court decides to accept the application for publicity and reminder, it shall issue a public announcement within 3 days, and announce it to the public in written form, urging interested parties to declare their rights; The period for public announcement and reminders is to be decided by the people's courts, but must not be less than 60 days.

9. Time limit for applying for the judgment of ex-rights of bank acceptance bills.

If no one declares the right to the bill upon the expiration of the period of publicity and reminder of the bank acceptance bill, the applicant shall submit an application for extermination judgment to the court within one month of the expiration of the announcement period.

There are courts that have made decisions. The judgment still needs to be announced 15 days after it takes effect. From the date of the announcement, the applicant has the right to request payment from the payer.

The acceptance date is neither the date of issue nor the expiration date.

It is the date on which the bank promises to block unconditional payment.

Theoretically, it is generally the drawer who issues the ticket first, and then the bearer goes to the bank to accept the bank payment after expiration.

However, in the actual operation process, the bills issued by the enterprise are generally accepted by the bank first, so that the bearer's heart is solid.

The bill that is paid at sight means that the bank will give you money when it sees the bill, so there is no need to accept it.

The acceptance date of the banker's acceptance bill refers to the date on which the bank promises to make unconditional payment. Neither the date of issue nor the expiration date of the ticket. As a kind of negotiable instrument, the banker's acceptance bill has a certain period of time.

The term of the bank acceptance bill can be divided into the payment term of the bank acceptance bill, the term of the right of the bill, and the right of recourse.

Term, etc. <>

The term of the bank acceptance bill shall not exceed 6 months. A banker's acceptance bill is a type of commercial bill. It refers to the instrument issued by the depositor who has opened a deposit account in the acceptance bank, applies to the opening bank and is reviewed and accepted by the bank, and guarantees to unconditionally pay the determined amount to the payee or bearer on the specified date.

The acceptance of the commercial draft issued by the drawer is the credit support given by the bank based on the recognition of the drawer's credit.

Negotiable Instruments Law of the People's Republic of China

Article 17 of the stupid draft.

A) the holder's rights to the drawer and acceptor of the instrument, two years from the maturity date of the instrument. Bills of exchange and promissory notes payable at sight shall be two years from the date of issue;

2) The bearer's rights to the drawer of the cheque shall be six months from the date of issuance;

C) the holder of the right of recourse to the previous hand, from the date of refusal to accept or refusal to pay for six months;

D) the holder of the recourse to the previous hand, from the date of the seepage of the file or the date of the lawsuit is filed three months.

The date of issuance and maturity of the bill shall be determined by the parties to the bill in accordance with law.