Does anyone know how to open a bank acceptance draft for corporate customers?

Deposit sufficient margin in the opening bank, provide a real background contract, and apply normally.

100% margin, very fast. If it is not 100% deposit, you need to go through the credit process, which is similar to applying for a loan.

Enterprises should open bank acceptance.

The reasons for a money order are as follows:

1. Delay the outflow of funds, the bank will issue acceptance of different acceptance periods according to the needs of the enterprise, such as 3 months, 6 months, 9 months, 12 months, after the acceptance is issued, the company only needs to deliver the acceptance to the first merchant or transfer the receipt account designated by the other party with electronic acceptance, and the payment acceptance does not actually lead to the outflow of funds, and the bank will pay the bank when the acceptance holder applies for payment after the acceptance expires, and the margin will be paid.

Although enterprises cannot use it before payment, the effect of delaying the outflow of funds is the most obvious;

2. To obtain lower financing costs and even benefits, to achieve a win-win situation for banks and enterprises, although the cost and handling fee are charged for issuing acceptance, the enterprise pays 100% of the margin and the bank will generally follow the fixed deposit interest rate.

Calculate the interest, and the overall interest income will be higher than the cost paid;

3. Whitewash financial statements;

4. It is convenient for refinancing, and the enterprise will inevitably cause monetary funds after paying 100% of the margin.

Tight situations, if companies have good relations with banks, can help companies access financing opportunities.

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

After the payer accepts the bill, it becomes the acceptor of the bill, which is called "commercial acceptance bill" and "bank acceptance bill" if accepted by the purchaser, and is called "bank acceptance bill" if accepted by the bank.

Acceptance bills are divided into:

1. The bank acceptance bill shall be issued by the acceptance bank.

The depositor who opens a deposit account issues a bill, a bill, a commercial draft issued to the drawer.

Acceptance is the credit support given by the bank based on the recognition of the drawer's credit;

2. The commercial acceptance bill is issued by the drawer, and the payer is entrusted to unconditionally pay the determined amount to the payee or bearer on the specified date, and is accepted by the payer other than the bank.

The details of the acceptance bill handled by the enterprise in the bank are as follows:

1. The applicant for acceptance submits the Application for Bank Acceptance Draft and applies for acceptance to the opening bank. After the acceptance of the applicant's opening bank is approved, the acceptance agreement and margin agreement shall be signed with the acceptance applicant, and the acceptance applicant shall pay the deposit or go through the pledge freezing procedures and pay the acceptance fee;

2. The acceptance bank shall handle the acceptance procedures and deliver the second and first copies of the bank acceptance bill to the applicant, as well as the customer's payment receipt;

3. The holder of the Bank of China acceptance bill can transfer the endorsement of the bill of exchange to the endorsee or go to the bank for discounting and other businesses;

4. Prompt payment. During the prompt payment period, the bearer can entrust the opening bank to issue an entrustment to the acceptance bank to collect money or hold the bank acceptance bill directly to the acceptance bank to prompt payment, and the acceptance bank transfers the bill to the holder's account.

The issuance of a banker's acceptance draft must contain the following items:

1. The words "bank acceptance draft" are indicated;

2. Entrustment of unconditional payment;

3. The amount determined;

4. Name of payer;

5. Beneficiary's name;

6. Date of ticket issuance;

7. Signature of the drawer.

When a bill of exchange is issued, the payer issues a bank acceptance draft in accordance with the provisions of the contract signed by both parties. The bank acceptance bill is in triplicate, the first copy is a card, and the acceptance bank makes a payment summons when paying the bill. 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.

Acceptance of bills of exchange. After filling in the bank acceptance draft, the cashier of the payment unit shall check the relevant contents of the bill of exchange with the transaction contract, fill in the list of "bank acceptance agreement" and bank acceptance draft after verification, and stamp the official seal of the unit at the "acceptance applicant". After the bank has completed the review, the bank acceptance agreement shall be stamped with the bank's official seal or contract seal, the special seal of the bank acceptance bill shall be affixed on the bank acceptance draft, and at least one private seal of the person in charge shall be affixed.

If the company wants to issue a bank acceptance draft, the specific conditions required are as follows:

1. At the acceptance bank.

legal persons and other organizations that open deposit accounts;

2. Have a real entrusted payment relationship with the accepting bank;

3. Able to provide legally effective purchase and sale contracts.

and its VAT invoices;

4. Have sufficient payment ability, good settlement record and settlement reputation;

5. Good credit relationship with the bank, no overdue loan record;

6. Able to provide corresponding guarantee or deposit a certain percentage of the margin as required.

The process of issuing a bank acceptance draft is as follows:

1. The drawer applies for a bank acceptance draft;

2. The bank approves it;

3. After the approval is passed, go through the relevant guarantee procedures;

4. The drawer signs the Bank Acceptance Agreement with the accepting bank;

5. The drawer issues the bill, and the bank stamps the special seal of the bill.

A banker's acceptance draft is a commercial draft.

one. 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.

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, effectively saving 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 six months, and the endorsement transfer can be carried out during the term of the note.

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 is opened by the beneficiary's bank.

When collecting the bill from the accepting bank, it will be used as a summons for payment of the current account of the interbank bank; The third copy is the stub copy, and the issuing unit prepares the relevant vouchers.

The drawer of the banker's acceptance bill must meet the following conditions:

1. Legal persons and other organizations that open deposit accounts in the acceptance bank;

2. Have a real entrusted payment relationship with the accepting bank;

3. Good credit status and reliable funds to pay the amount of bills of exchange**.

The above content is for your reference, and the actual business regulations shall prevail.

Handle related business.

It is not necessary, and the paper bank acceptance draft received does not need to go to the bank to open the acceptance draft business. Electronic bank commitment bills also do not need to go to the opening bank to open the business of acceptance bills.

If you receive a paper bank acceptance draft, you do not need to go to the bank to open the acceptance draft business. Because the banker's acceptance bill has already been circulated, your company endorses it at the endorser and can be paid to the next one. Bank acceptance can be paid to customers like paying bank deposits, of course, some customers are unwilling to accept acceptance because of the acceptance is not good, if the discount is not due, it is not cost-effective to pay the discount interest.

Accounting treatment when the company issues an acceptance bill from the bank:

1. Issue an acceptance bill for future reference and registration, and do not need to keep accounts;

2. Pay the payment with the acceptance bill

Borrow: Inventory of goods.

Tax Payable - VAT Payable - Input Tax.

Credit: Notes payable.

3. Payment due:

Debit: Notes payable.

Credit: Bank deposits.

The drawer of the banker's acceptance bill must meet the following conditions:

1) Legal persons and other organizations that have opened deposit accounts in the acceptance bank;

2) Have a real entrusted payment relationship with the accepting bank;

3) Good credit standing and reliable funds to pay the amount of the bill**.

The issuance of a banker's acceptance draft must contain the following items:

a) the words "bank acceptance bill";

2) Entrustment of unconditional payment;

c) the amount determined;

4) the name of the payer;

5) the name of the beneficiary;

6) the date of ticket issuance;

7) Signature of the drawer.

If one of the above provisions is not recorded, the bank acceptance draft shall be invalid. The banker's acceptance draft shall be issued by the depositor who has opened a deposit account with the accepting bank.