What should I do if my banker s acceptance draft is overdue??? Will the bank pay???

This kind of business is very common. If it expires, you need to write a statement of the situation, indicating the face elements, what is the reason for exceeding the collection period, indicating that the economic responsibility or dispute arising from this is borne by the unit, etc., and then go to the opening bank to handle the collection. Of course, it is best to contact the issuing bank in advance to find out.

Most banks can do this, and some banks will ask for a face-to-face solution, that is, bring the acceptance bill to the issuing bank to handle it, which is slightly more troublesome.

As long as it doesn't take more than two years, it's not a hassle.

Yes, but the paying unit should be prompted to issue a letter stating the reason.

Legal analysis: After the expiration of the bank electronic acceptance draft, bring the relevant documents and materials and the account used for collection to the bank to apply for acceptance. Within 10 days of the expiration date of the electronic acceptance bill, the status of the bill of exchange in the online banking will show the prompt payment, or the payment application or other name will be initiated, and then fill in the relevant information of the endorsement application, and the endorsement will be given to the bank, and the issuing bank will pay to your company's account after receiving the endorsement.

Procedures for electronic acceptance and remittance: 1. Apply for electronic bank acceptance bill customer to open a settlement account in the acceptance bank. 2. The electronic bank acceptance bank and the user signed the "electronic commercial draft business service agreement".

3, the customer fill in the electronic commercial draft business application form, to apply for the electronic bill business. 4. The electronic bank acceptance bill acceptance bank opens business functions for customers and makes digital certificates. 5. The electronic bank acceptance bank and the user shall sign the corresponding agreement according to the type of business.

6. The customer specifically handles the business of electronic bank acceptance bill.

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;

4) the holder of the recourse to the previous hand, three months from the date of settlement or the date of the lawsuit.

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

Summary. Hello! We will be happy to answer your questions. Regarding the question you asked, I will find it for you:1

The advance payment shall be transferred to the account of "advance of bank acceptance bill", and interest shall be charged in accordance with the relevant regulations;

Collect the advance payment from the acceptance applicant;

Dispose of collateral and pledge in a timely manner or require the guarantor to perform the guarantee obligation to minimize the loss of the advance;

If the advance cannot be recovered after collection and recovery, a variety of means, including litigation, shall be adopted in a timely manner according to the specific circumstances. I hope my answer can help you, I wish you a happy life, a good mood every day, peace and smoothness! Thank you!

What to do with the expiration of the banker's acceptance bill.Urgent.

Hello! We will be happy to answer your questions. For your question, I found it for you:

1.The advance payment shall be transferred to the "bank acceptance bill advance" account, and the interest shall be calculated and charged in accordance with the relevant regulations; 2.Collect the advance payment from the acceptance applicant; 3.

Deal with the collateral and pledge in a timely manner or ask the guarantor to fulfill the guarantee obligation in the call to minimize the loss of the advance; 4.If the advance cannot be recovered after collection and recovery, a variety of means, including litigation, shall be adopted in a timely manner according to the specific circumstances. I hope my answer can help you, I wish you a happy life, a good mood every day, peace and smoothness!

Thank you! I have 500,000 commercial acceptance bills when they expire and forget to prompt payment, can I continue to prompt payment for more than two days?

OK. It can be up to 10 days.

Okay, thank you. You're welcome, if it's convenient for you, please help give a thumbs up, thank you!

1) The accepting bank should check the maturity of the bill of exchange every day, and collect the bill from the drawer on the due date (statutory holiday). 10 days before the maturity of the bank acceptance bill, the bank credit department shall notify the drawer (acceptance applicant) to deposit the full amount of the bill into its account for payment. At that time, three special transfer debit vouchers and one special transfer credit voucher should be filled out respectively, and the words "transfer according to the XX bill of exchange" should be indicated in the "reason for transfer" column.

Its accounting entries are: borrow: margin borrow:

Unit current deposit - drawer's account loan: remittance and temporary deposit - acceptance bill account a special transfer debit voucher stamped with the transfer seal, as a notice of payment to the drawer.

2) When the drawer's account has no money or insufficient payment, it shall be transferred to the drawer's overdue loan account, and interest shall be charged at 5/10,000 per day. If the account is paid without funds, two special transfer debit vouchers and a special transfer credit voucher shall be filled in, and the words "no payment of the XX bill of exchange shall be transferred to the overdue loan account" in the "Reason for Transfer" column. Its accounting entries are:

Borrow: overdue loan - drawer's overdue loan account loan: receivable remittance and temporary deposit - acceptance bill account a special transfer debit voucher stamped with the official seal of the business handed over to the drawer.

If the account is insufficient to pay, except in accordance with the above.

1) In addition to the relevant procedures, the triple special transfer debit voucher should be added, and the words "XX bill of exchange transfer part of the bill" should be stated in the "reason for transfer" column. Its accounting entries are: Debit:

Margin Borrowing: Demand Deposit - Silver Ear Drawer Account Borrowing: Overdue Loan - Drawer Overdue Loan Account Loan:

Remittance and temporary deposit - another special transfer debit voucher filled in by the acceptance bill account shall be stamped with the transfer seal as a notice of payment and handed over to the drawer. Bank acceptance bill due, drawer does not deposit the full amount of the bill, the acceptance bank received the bearer sent the entrusted collection voucher and bill, after the audit is correct, should unconditionally pay to the holder, and according to the acceptance agreement, from the acceptance of the applicant's deposit account and other deposit accounts deducted, insufficient department by the bank advance. The following measures will be taken at the same time.

1. Transfer the advance payment to the account of "bank acceptance bill advance", and collect interest in accordance with relevant regulations;

2. Collect the advance payment from the acceptance applicant;

3. Dispose of collateral and pledge in a timely manner or require the guarantor to perform the guarantee obligation to minimize the loss of the advance;

4. If the advance cannot be recovered after collection and recovery, a variety of means, including litigation, shall be adopted in a timely manner according to the specific circumstances. After the advance of the bank acceptance bill occurs, the bank credit department must include it in the scope of non-performing loan assessment, formulate a collection plan, and implement the collection responsibility.

The acceptance process after the expiration of the bank electronic draft is as follows:

1. The payer shall accept or refuse to accept the bill of exchange within 3 days from the date of receipt of the bill of exchange that is prompted for acceptance. When the payer receives the prompt acceptance bill, it shall also issue a receipt of receipt to the bearer. The receipt shall indicate the date of acceptance of the bill of exchange and sign it.

2. Items recorded in acceptance. If the payer accepts the bill of exchange, it shall record the word "acceptance" and the date of acceptance on the front of the bill of exchange and sign it; Bills of exchange that are paid on a regular basis after seeing the bills shall be paid on a regular basis at the time of acceptance. If the acceptance date is not recorded on the bill, the acceptance date shall be the third day from the date on which the payer receives the reminder acceptance bill.

3. The payer's acceptance bill shall not be conditional, and if the acceptance is conditional, it shall be deemed to be a refusal to accept.

By adopting electronic signatures and reliable security authentication mechanisms, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risks of cloning, alteration, forgery, loss and damage of bills.

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