After the banker s acceptance bill expires, how long does it take for the money to reach my company

After the expiration of the bank acceptance draft, the money will not be automatically transferred to your company's account, you need to go through the collection procedures in your company's opening bank within 10 days before the maturity date of the bank acceptance draft, and after completing the collection procedures, your opening bank will send the collection express to the bill bank, and the issuing bank will receive the collection acceptance express after verification, and the general bank acceptance will be paid normally on the due date.

Bank Acceptance Due Collection Process:

1. About 10 days before the expiration date, the bearer carries the company's reserved seal and goes to the counter of the opening bank to handle the entrusted collection procedures.

2. The bearer of the bank acceptance bill to make an endorsement of entrusted collection, you can ask the bank counter staff to guide in person, carefully fill in (there must be no mistakes, otherwise you need to issue a certificate, delay the arrival of funds).

3. Fill in a entrusted collection voucher (the bank has: generally provided free of charge), the collection voucher in quintuplicate, and the bank reserved seal in the second copy, and then submit the bank acceptance draft to the bank together with the collection voucher filled in and stamped with the seal.

4. After the bank has been approved, the collecting bank will charge the enterprise a mailing fee of 20 yuan and a handling fee of 1 yuan (the collecting bank and the issuing bank in the same city only need to pay the mailing fee of 12 yuan and 1 yuan handling fee).

5. The bank will hand over the bottom copy of the first copy with the seal to the bearer, and the collection procedures will be completed.

Paper commercial acceptance bills are generally due before the ticket to the bank counter about a week in advance to do collection, the expiration of the other bank will be cashed to your side, if the overdue issued an overdue collection of instructions stamped can also receive money, look at the other side of the bank processing speed, generally very fast, a few days on it.

Bank acceptance draft (valid for 6 months from the date of issuance), the last hand in the draft 7 working days before the expiration of the original bill, collection voucher and other supporting materials to the bank for collection, it takes about 2-3 days to arrive. However, if the relevant materials submitted are defective, it may take longer.

Generally, the bank acceptance draft needs to be delivered to the opening bank one week in advance (about 10 days in advance in remote areas).

Collections will be made in two to three working days.

Further information: Banker's acceptance draft is a commercial bill.

one. Refers to the bank that is in charge.

If the depositor who opens a deposit account issues an instrument that applies to the depositary bank and is reviewed and accepted by the bank, it guarantees that Yu Ming will 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. Banker's acceptance bills are sold at a discount.

The main investors in banker's acceptances are money market commons** and municipal entities. Its characteristics are: good credit, strong acceptance, high flexibility, and effectively save capital costs.

The use of bank acceptance bills to finance commercial transactions is called acceptance financing.

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 one year, 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 are divided into commercial acceptance bills and bank acceptance bills. The bank acceptance draft is in triplicate. The first copy is the card, which is kept by the accepting bank as the base card; The second copy shall be a summons for payment of the interbank account when the payee's opening bank collects the bill from the accepting bank; The third copy is the stub copy, and the issuing unit prepares the relevant vouchers.

Peculiarity. First, good credit and strong acceptance. The bank acceptance draft is paid unconditionally when due by bank acceptance. It converts the commercial credit between enterprises into bank credit. For a business, receiving a banker's acceptance draft is like receiving cash.

2. Strong liquidity and high flexibility. The bank acceptance bill can be endorsed and transferred, and it can only be discounted, and it will not occupy the funds of the enterprise.

3. Save capital costs. For enterprises with strong strength and more trustworthy banks, they only need to pay the required deposit to apply for the issuance of bank acceptance bills for normal purchase and sale business, and then deliver the funds to the bank when the payment date is approaching. Due to the above-mentioned advantages, bank acceptance bills are welcomed by enterprises.

However, there is an upward trend in criminal activities such as the forgery of bank acceptance bills, and some companies are suffering from them.

Bank acceptance bill refers to a kind of bill issued by a legal entity that opens a deposit account in the acceptance bank, has good credit standing and is issued by the opening bank, and is promised to be paid when due. It is one of the important forms of mutual settlement between enterprises.

Acceptance generally arrives in 2-3 days. Generally, the bank acceptance draft needs to be sent to the opening bank for collection one week in advance, and it can be received in 2-3 working days. The banker's acceptance draft is issued by the accepting bank.

If the depositor who opens a deposit issues a bill, applies to the depositary bank and the bank examines and agrees to accept it, it guarantees to unconditionally pay the determined amount to the payee or bearer on the specified date.

Extended Materials. Acceptance refers to the record that the bearer requires the payer to make payment due on the bill of exchange before it expires. A system unique to bills of exchange.

The payer usually signs the front of the bill of exchange. The relationship between the invoicer and the payer is one of entrustment, and the invoicer issuing the invoice does not mean that the payer must pay. In order to make the bill of exchange due for payment, the drawer must present the bill of exchange to the payer for acceptance.

Only after the payer signs the acceptance, he is legally liable for the payment of the early draft.

Before the payer accepts, the main debtor of the bill of exchange is the invoicer, and after acceptance, the payer becomes the main debtor, the invoicer and other endorsements.

The person is from the debtor, and the acceptance must be the bearer who actually presents the instrument, which is called a prompt. Bills of exchange payable at sight do not need to be prompted for acceptance. Bills of exchange with regular payments after seeing the round including bills should be accepted in advance.

Authenticity identification. Censor.

In the past two years, the discount business of acceptance bills has developed rapidly and has become a new bright spot. However, at the same time, counterfeit, altered and "cloned" acceptance bills have also emerged in the market, and whether financial personnel can control the examination is very important to prevent the risk of bills. Here are five ways to do it from your long-term work experience:

One check, two listens, three touches, four comparisons, five photos, practical and effective.

Clarity. It mainly refers to the fact that the bill is smooth and clean, and the handwriting seal is clear and legible, so as to achieve "two no", that is: no defacement, which means that there are no creases, water traces, oil stains or other dirt on the face of the ticket. 2. No alteration, referring to the elements and signatures on the face of the ticket.

and endorsement without any traces of alteration.

Completeness. It mainly refers to the fact that the bill is not damaged and the recorded elements and signatures are complete, so as to achieve "two no", that is, no defects, which means that the bill has no missing corners, tears or other damage. There are no missing items, which means that the elements and endorsements on the face of the ticket are completed completely, and all kinds of signatures and seals are complete.

Accuracy. It mainly refers to the correct filling of the elements recorded on the face of the ticket, and the signature and seal comply with the "Negotiable Instruments Law".

The provisions of the "two nos", namely:

No error, means that the line name, line number, special seal of the bill of exchange should be accurate, and the endorsement must be continuous.

No clerical errors, means that the amount of the bill should be the same, the writing specification, and the filling of the issuance and payment date meet the requirements (the month is required to add zero before 1,2,10 months, the date is required to add zero before 1-9, and the zero is added after 10,20,30; Dates are required to be added before 11-19. ）

Bank acceptance draft (valid for 6 months from the date of issuance), the last hand in the draft 7 working days before the expiration of the original bill, collection voucher and other supporting materials to the bank for collection, it takes about 2-3 days to arrive. However, if the relevant materials submitted are defective, it may take longer.

Bank acceptance draft (valid for 6 months from the date of issuance), the last hand in the draft 7 working days before the expiration of the original bill, collection voucher and other supporting materials to the bank for collection, it takes about 2-3 days to arrive. However, if the relevant materials submitted are defective, it may take longer.

Two to three working days. The banker's acceptance draft is issued by the accepting bank.

If the depositor who has opened a deposit account issues a check, applies to the opening bank and the bank examines and agrees to accept it, it shall be guaranteed on the specified date.

An instrument that pays a definite amount unconditionally to the payee or bearer. Acceptance bills are generally delivered to the opening bank one week in advance.

Collection (about 10 days in advance for remote areas) will be available in two to three working days.

For the acceptance bill, the issuing bank and the acceptance bank are the same bank, and the account will be received on the same day.

The acceptance bill will be credited to the account immediately.

Application conditions: 1. The applicant for the discount of commercial acceptance bills must be an enterprise, public institution legal person or other economic organization approved and registered by the State Administration for Industry and Commerce or the competent department;

2. There is a real and legal commodity and labor transaction relationship between the discount applicant and the drawer or the direct predecessor, and the corresponding commodity transaction contract and VAT invoice can be provided;

3. The transaction contract of the commercial acceptance bill that is required to be discounted must be legal and complete in elements, that is, the discounted commercial acceptance bill must comply with the "Negotiable Instruments Law", and meet the requirements of the issuance, endorsement and acceptance of the commercial acceptance bill stipulated by the system, and there is no words such as "non-transferable" and "pledged" on the bill;

4. Open a deposit account at the discount;

5. The economic benefits and credit standing of the discount applicant are good;

6 Other conditions required by the bank.

Hello, this depends on you to go to the ** paste this bank acceptance draft, go to the bank to paste the general 1-2 working days, find a special discount company to paste, a single amount of less than 1 million tickets are generally on the spot to check the payment, instant arrival This is the fastest, a single amount of more than 5 million bank acceptance bills generally need to be checked, from the check to the payment is generally 2-3 hours.

Ask this check to the company.

It's a postdated check.

What is the process of this?

Answer: Hello, if the payee fills in the company, then the company that receives the money has a corporate account in the bank, the company's legal person seal (private seal) and financial seal, and then stamped with the financial seal and legal person seal; The person who handles the cashing is you yourself in (endorsement) and you also need to sign and indicate the ID number, and you also need to show your ID card at the same time as you handle the cash withdrawal, and the cashing of the cash check is handled by the payer's opening bank. If there is no financial seal, the bank will not accept it, and the cash cannot be withdrawn, and the same is true if there is no corporate seal.

It is recommended that you make an appointment with the bank in advance to confirm the information you need to bring before withdrawing, and ask the question, does the bank need to review it, and how long can it be done.

The question has been handed in for a month and a half, and the transfer has not been transferred, I don't know what the situation is to answer whether you have contacted the bank here, and it will be done in a day or two after the normal pass, and it is recommended that you consult with the bank **. Let's see what caused the account not to arrive.

Legal Analysis: Acceptance expires 2 years after expiration. According to Article 17 of China's Negotiable Instruments Law, the right of the negotiable instrument shall be extinguished if it is not exercised within the following period: the holder's rights to the drawer and acceptor of the negotiable instrument shall be extinguished within 2 years from the maturity date of the negotiable instrument;

The bearer's rights to the drawer of the cheque shall be 6 months from the date of issue. Moreover, Article 13 of the Judicial Interpretation of the Negotiable Instruments Law also stipulates that the rights of the holder to the drawer and acceptor of the negotiable instrument are clearly explained: that is, the right includes the right to demand payment and the right of recourse.

If the instrument has passed the limitation period of the right to the instrument, the debtor of the instrument may defend against the holder.

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.