Can an acceptance bill be paid to an individual? 5

A bank draft is an instrument issued by the issuing bank and unconditionally paid to the payee or bearer according to the actual settlement amount at the sight of the draw. A bank draft can be used to transfer money, and a bank draft with the word "cash" written on it can also be used to withdraw cash. This settlement method can be used for all kinds of settlement by units or individuals, but the issuance of cash bank drafts is only applicable to the applicant and the payer are individuals, and the unit shall not use it.

Bank drafts have the characteristics of flexible use, ticket with person, and strong cashability. According to regulations, the issuance and payment of bank drafts are limited to the banking institutions of the People's Bank of China and commercial banks participating in the "National Interbank Exchange" nationwide; The prompt payment period of the bank draft is 1 month, and if the holder exceeds the payment deadline to prompt payment, the payer will not be accepted; **The payer is also not allowed to accept the bank draft submitted directly by the holder who has not opened a deposit account with the Bank; The payee can transfer the endorsement of the bank draft to the endorsee, but the endorsement and transfer of the bank draft shall not exceed the actual amount of the invoice amount, and the bank draft shall not be endorsed and transferred if the actual settlement amount is not filled in or the actual settlement amount exceeds the amount issued; The actual settlement amount of the bank draft cannot be changed.

It can be seen that bank acceptance drafts can be issued to individuals.

A bill of exchange can also be endorsed for transfer, and the bill of exchange you are talking about is a bill of exchange that has been memorized several times. You can go to the bank to help you verify the authenticity. And check whether the loss has been reported.

Accounting Entries Debit: Notes Receivable - Banker's Acceptance, Credit: Other Payables - So-and-so, is it okay to do this? Can a banker's acceptance draft be given by an individual?

The above is not right, the bank acceptance bill can not be given to an individual, the correct is to borrow notes receivable - bank acceptance bill, credit: accounts payable - a certain company.

Individuals are unable to accept the bank.

Unless he can find the company's money and then withdraw the cash himself.

No, the acceptance bill is mainly used for the best exchanges between enterprises, and there is no endorsement for individuals in the system.

Acceptance bill refers to the bill of exchange that has gone through the acceptance procedures. That is, in the transaction activity, the seller issues a bill of exchange in order to claim payment from the buyer, and the payer indicates on the face of the bill the word "acceptance" and the signature acknowledging the payment due. After acceptance, the payer becomes the acceptor of the bill of exchange.

Those accepted by the purchaser are called "commercial acceptance bills", and those accepted by banks are called "bank acceptance bills".

Acceptance bills are divided into bank acceptance bills and commercial acceptance bills, and at the same time, according to the form of existence, bills can be divided into: paper acceptance bills, electronic acceptance bills.

Commercial Acceptance:

The term of payment of the commercial acceptance bill shall not exceed 6 months; The prompt payment period of the commercial acceptance bill is 10 days from the maturity date of the bill; Commercial acceptance bills can be endorsed and transferred; When the holder of the commercial acceptance bill needs funds, it can apply to the bank for discount with the unexpired commercial acceptance bill; Applicable to intra-city or off-site settlement.

Banker's Acceptance:

For sellers, offering forward payment options to existing or new customers can increase sales and improve market competitiveness. For buyers, the use of forward payments to purchase more goods with limited capital minimizes the occupation and demand for working capital, which is conducive to expanding the scale of production. Compared with loan financing, it can significantly reduce financial costs.

The operation method of paying the acceptance bill to the other party is as follows:

1.The electronic commercial acceptance bill is paid to others, and the bearer logs in to the corporate online banking.

In the electronic bill column, find the commercial acceptance bill of the due receivable, send the collection information in the online bank, and the other bank will immediately remit the money to the enterprise account after receiving the reply information.

2.According to the relevant provisions of the acceptance bill, in order to ensure that the payer prepares the bill in advance for payment when due, the bearer must send a payment reminder to the acceptor ten days before the e-commerce acceptance bill is about to expire, if the holder fails to state within the specified time limit, it will lose its right of recourse against its former party.

3.The choice of collection method, for the upcoming expiration of the e-commerce acceptance bill, you can collect money by means of payment or offline payment, but usually the enterprise will choose a faster way to complete the collection, because the online transaction of the online bank can ensure the safety of the payment funds of both enterprises.

Extended Materials. 1.Acceptance bills are mainly used for commercial transactions between enterprises.

There is no endorsement from a single striker in the system. Acceptance bill refers to the bill of exchange that has gone through acceptance procedures. That is to say, in the event of a non-referring transaction, the seller issues a bill of exchange in order to obtain payment from the buyer, and the payer marks the word "acceptance" on the bill of exchange and signs it to confirm the payment due.

After acceptance, the payer becomes the acceptor of the bill of exchange. A bill of exchange accepted by the buyer is called a "commercial acceptance bill" and is accepted by a bank.

The bill of exchange is called a "banker's acceptance". Acceptance bills are divided into bank acceptance bills and commercial acceptance bills. At the same time, the bills can be divided into paper acceptance bills and electronic acceptance bills according to the existing form.

2.Commercial acceptance bill: The payment term of the commercial acceptance bill shall not exceed 6 months; The commercial acceptance bill is a prompt payment within 10 days from the maturity date of the bill; Commercial acceptance bills can be endorsed and transferred; When the holder of the commercial acceptance bill needs funds, it can apply to the bank for discounting the unexpired commercial acceptance bill; It is suitable for intra-city or off-site settlement.

Banker's acceptance: For sellers, providing forward payments to existing or new customers can increase sales and improve market competitiveness.

Summary. Kissing, the method of accepting the bill of exchange to pay the other party; Users can log in to the billing bank, and then find [Bill Business] - [Electronic Bill] - [Electronic Bill Application] - [Endorsement Transfer Application] on the home page to enter the electronic bill endorsement transfer application interface. Bank electronic acceptance draft using the authorization method, the next step to wait for the authorization of the authorized person to confirm, the next change to the net banking shield, after the authorization to confirm the transaction endorsement transfer success, the endorsement after the successful transfer of endorsement can notify the endorsee to sign for confirmation.

Kissing, the method of accepting the bill of exchange to pay the other party; Users can log in to the invoicing bank, and then find [Bill Business] - [Electronic Bills] - [Electronic Bills Application] - [Endorsement Transfer Application] on the home page to enter the electronic bill endorsement transfer application interface. Bank electronic acceptance draft using the authorization method, the next step to wait for the authorization of the authorized confirmation, the next change of the net banking shield, after the authorization to confirm the transaction endorsement transfer success, the endorsement transfer after the successful endorsement transfer can notify Sui quietly to be endorsed to sign for confirmation. Chain Clan.

Kiss, the acceptance bill refers to the bill of exchange that has gone through the acceptance procedures. That is, in the transaction activity, the seller issues a bill of exchange in order to claim payment from the buyer, and the payment bureau or person indicates on the face of the bill the word "acceptance" and the signature acknowledging the payment due. After acceptance, the payer becomes the acceptor of the bill of exchange.

Acceptance bills are mainly divided into two types: bank acceptance bills and commercial acceptance bills. Among them, the bank acceptance bill refers to the bill issued by the depositor who opens 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 the bearer of the bill on the specified date. The commercial acceptance bill refers to the bill of exchange issued by the payee and accepted by the payer, or issued and accepted by the payer.

Individuals are not allowed to use the acceptance bill as a settlement method. First of all, it is necessary to distinguish whether the acceptance is a bill of exchange or a check, and the acceptance bill must be company-to-company, because it needs to be endorsed and deposited in the bank when it is due.

According to Article 74 of Chapter II of the Payment and Settlement Measures of the People's Bank of China, legal persons and other organizations that open deposit accounts in banks must have a real transaction relationship or creditor-debt relationship before they can use commercial bills.

Bank acceptance draft is a corporate business, and individuals cannot issue or accept bank acceptance drafts. If an individual receives a bank acceptance draft, he or she will not be able to go to the bank for collection or discounting, so please be careful in business activities.

If it is a check, the individual needs to open an account in the bank that can deposit the check in the personal account, and the payee of the check should write the name of the individual, and the labor fee should be written after the purpose, and the bill can be deposited into the personal account. For specific information, you can consult the bank.

Discounting of commercial acceptance bills refers to a kind of credit business in which the holder transfers the unexpired commercial acceptance bills to the bank, and the bank pays the balance of the bills to the bearer after deducting the discount interest according to the discount rate.

Individuals are not allowed to handle bank acceptance bills, only the unit that has opened a corporate account can handle bank acceptance bills, and the payee and payee of bank acceptance bills must be enterprises and institutions that have opened corporate accounts in banks.

The applicable object of the banker's acceptance draft.

1. Applicable to the company that buys the bank acceptance bill:

1. Large group customers who need to improve their financial situation, especially large state-owned enterprises supervised by SASAC at all levels.

2. Enterprises with strict financial systems and hope to reduce the risk of wide collection of bills are mainly large-scale foreign-invested enterprises.

Second, the advantages of buying a bank acceptance bill:

1. The buyer's final payment risk is transferred to the bank, and on the basis of the authenticity and legality of the underlying transaction, the bank has no recourse against the discounted money paid.

2. The seller's forward notes receivable became cash income at sight, and the financial position was substantially improved.

3. The seller's capital turnover rate is improved to facilitate capital turnover.

Summary. Hello dear <>

What should I do if someone gives me an acceptance bill:1First, check the legitimacy of the money order:

It is necessary to check whether the bill of exchange is complete, whether the information is written correctly, whether the signature is valid, and whether the endorsement of the bill of exchange is valid, etc. 2.If the information of the bill of exchange is complete and correct, and it is correctly signed and validly endorsed by the issuer, you can go to the bank to issue and redeem it

You need to take the bill of exchange and the copy of the front and back of the ID card to the bank for exchange, and the bank will verify the bill of exchange and pay according to the provisions on the bill. 3.If there is a defect in the bill of exchange and it cannot be cashed, the issuer may be required to reissue a new bill.

What should I do if someone gives me an acceptance bill.

Hello dear <>

What should I do if someone gives me an acceptance bill:1First, check the legitimacy of the money order:

It is necessary to check whether the bill of exchange is complete, whether the information is written correctly, whether the signature is valid, and whether the endorsement of the bill of exchange is valid, etc. 2.If the information of the bill of exchange is complete and correct, and the name of the shirt is correctly signed by the issuer and validly endorsed, you can go to the bank to issue the dust and cash

You need to take the bill of exchange and the copy of the front and back of the ID card to the bank for the trip, and the bank will verify the bill of exchange and pay according to the provisions on the bill. 3.If there is a defect in the bill of exchange and it cannot be cashed, the issuer may be required to reissue a new bill.

Extended information: The drawee should pay close attention to whether the bill is due and whether the amount payable has been paid off as soon as possible according to the undue payment period in the suspected note. The drawee shall pay the payment on the due date, but if the actual payment is not made, a late fee shall be paid.

According to the provisions of Article 30 of the Commercial Draft Law of the People's Republic of China, the drawee who is deemed to claim has the right to request payment from the drawer. If the drawer does not pay within the specified time limit, the drawee can directly go to the court to request enforcement; If the drawer is no longer allowed to request the drawer to collect the payment, the drawee can hold him responsible.

Legal Analysis: It is a violation of the law. The applicant for discounting the banker's acceptance bill can only be a legal person or other economic organization that is registered and valid in accordance with the law. Private individuals are not qualified, and this is an illegal business.

Legal basis: "Criminal Law of the People's Republic of China" Article 225: Where state provisions are violated by committing any of the following illegal business activities, disrupting market order, and the circumstances are serious, a sentence of up to five years imprisonment or short-term detention is to be given, and/or a fine of between 1 and 5 times the amount of unlawful gains; where the circumstances are especially serious, a sentence of five or more years imprisonment is to be given, and a concurrent fine of between 1 and 5 times the amount of unlawful gains or confiscation of property is to be given

1) Engaging in monopoly or monopoly goods or other restricted items as provided for by laws and administrative regulations without permission;

2) Buying and selling import and export licenses, certificates of origin for entering and exiting Juewangkou, and other business licenses or approval documents provided for by laws and administrative regulations;

3) Illegally operating and punishing **, **, or insurance business without the approval of the relevant competent state departments, or illegally engaging in fund payment and settlement business;

4) Other illegal business activities that seriously disrupt market order.

Individuals are not allowed to apply for bank acceptance.

Bills of exchange are only open to corporate accounts.

The payee and payee of the bank acceptance bill must be an enterprise or institution that has a corporate account in the bank.

The applicable object of the banker's acceptance draft.

1. Applicable to the company that buys the bank acceptance bill:

1. Large group customers who need to improve their financial situation, especially SASAC at all levels.

Regulated large state-owned enterprises.

2. Financial system.

Enterprises that are relatively strict and want to reduce the risk of bill receivables are mainly large foreign-invested enterprises.

Second, the advantages of buying a bank acceptance bill:

1. The buyer's final payment risk is transferred to the bank, and the bank has no recourse to the discounted amount paid on the basis of the authenticity and legality of the underlying transaction.

2. The seller's forward notes receivable.

This cash income has been changed to immediate income, and the financial position has improved substantially.

3. The buyer's capital turnover rate.

Improve and facilitate capital turnover.