How to distinguish the authenticity of commercial acceptance bills?

Commercial acceptance bill is a kind of credit is not a good bill, when not to pay there is no way, only bear 5 fines, by the consignee does not have to be agreed by the bank by their own issuance, true or false as long as to the payment unit to open a bank to ask on the line.

First, the third copy of the bank acceptance bill is typing paper, the second copy is unified with the People's Bank of China logo watermark paper, and the back of the two-dimensional identification code is printed with dark green short-wave fluorescent ink, which is consistent with the color of the back, and has a weak fluorescence reaction under the violet light, which can be observed with the help of the ticket inspection instrument.

2. The elements recorded on the ticket are filled in correctly and signed.

Comply with the Negotiable Instruments Act.

The provisions of the ticket, the elements recorded on the face of the ticket, the signature and endorsement.

There are no traces of alteration, and there are no creases, water marks, oil stains or other dirt on the face of the ticket.

3. Review the signature on the front of the bill of exchange, and the minimum shall not be less than 4 chapters, that is, 2 chapters of the drawer and 2 chapters of the acceptance bank. Review the paper of the bill, and require that the paper is elastic, not soft, not damaged, and not soaked in oil.

4. The amount of the fixed bill of exchange shall be recorded in both Chinese capitals and numbers, and the two must be consistent, and the inconsistent bill of exchange shall be invalid, and the date at the signature office of the person issuing the bill must be consistent with the date of issuance.

5. Whether the last endorsement is the discount applicant, and whether the bank transfers to buy out the endorsement is the special seal of the bill of exchange and the seal of the authorized person, and the acceptance bank.

The signature of the People's Bank of China.

The special seal of the bill of exchange approved for use shall be signed or sealed by its legal representative or its authorized agent.

In addition to the face review of the bank acceptance bill, it is also necessary to pay attention to whether the acceptance bill has a loss report, freeze and other issues.

1. Listening: that is, to distinguish the authenticity of the bill by listening to the sound made by shaking the bill of exchange paper. Shake the bill of exchange with your hand, the paper of the bill of exchange will make a crisp sound, and you can clearly feel the toughness of the paper, while the paper of the fake bill feels soft, cotton, and not crisp, and the color of the bill is dark and stained, and the handwriting in the individual printing office is blurred.

2. Touch: that is, to distinguish the authenticity of the bill of exchange by touching the concave and convex sense of the bill of exchange number. The front and back of the bill of exchange number are brown-black and red permeable ink, respectively, and there is an obvious concave and convex feeling when touched with a finger, while the number of a fake bill rarely uses permeable ink, and the concave and convex feeling is not obvious when touched with a finger.

3. Ink anti-counterfeiting: the uppercase amount line in the middle of the bill of exchange is composed of fluorescent water-soluble lines, if the bill is altered or altered, it will change here, and the lines will disappear.

How to distinguish the authenticity of the acceptance bill, as follows:

The anti-counterfeiting elements on the acceptance bill include: paper, ground pattern, watermark, secret mark, red water line, fluorescent fiber, rainbow printing, anti-alteration, microtext, seal, seal, pressure, etc.

Step 1: Feel identification:

It is to touch whether there is a sense of concave and convex in the area of the bill of exchange number, and there is no concave and convex feeling in the fake bill of exchange.

It is whether the bill of exchange is shaken by hand to make a crisp sound, and the fake money order makes a muddy sound.

Step 2: Visual Identification:

Observe the light to see if there are full-page flowers and a black and white watermark pattern of Hanyu Pinyin "hp".

Compare whether the handwriting on the paper is legible.

Observe with the naked eye whether there are colored fibers in the paper.

Whether or not to use a combined dedicated number for bank drafts.

Whether the numbers are uniformly printed with brown permeable ink, brown-black on the front of the paper, and red permeation effect on the back.

Whether the shading pattern is printed with rainbows, whether the pattern is composed of different colors, whether the different colors are continuously transitioned, is very natural and has no obvious boundaries.

Whether the bank draft is printed by the following four printing houses, Shanghai ** Printing Factory, Baoding 542 Printing Factory, or Baoding ** Printing Factory, the bill pre-security professional inquiry bank acceptance bill loss monitoring and early warning. Xi'an Banknote Printing Factory ** Branch or Xi'an Xi'an Banknote ** Printing Co., Ltd., Tianjin People's Printing Factory.

The third step is to use a violet lamp discriminator for identification

Under the purple light, whether the ICBC emblem pattern glows orange-red fluorescence. The emblems of other lines are secretly marked with yellow-green fluorescence under ultraviolet light.

The "ICBC" secret mark of the bank acceptance draft (ICBC) is located between the name of the bank acceptance draft and the voucher number, whether it fluoresces yellow-green.

Whether the red water line in the RMB capitalization amount column has a faint red light reaction under the ultraviolet lamp, and whether the red water line changes after the correction.

Whether the colorless fluorescent fibers on the front and back of the bill of exchange paper have a fluorescent reaction under the ultraviolet lamp, and whether the colored fluorescent fibers have no fluorescence reaction under the violet lamp.

The fourth step is to identify using the same magnification amplifier:

It is whether the dotted line under the name of the commercial bill is composed of the Chinese type Zeyu pinyin "huipiao" microtext from left to right.

Generally, the method of distinguishing the authenticity of bank acceptance bills: one check, two listens, three touches, four comparisons, five photos, practical and effective personal testing.

A check: The authenticity of the note can be identified by reviewing the clarity, completeness, accuracy and legitimacy of the ticket. Second listening:

You can distinguish the authenticity of a bill by listening to the sound of shaking the paper of the bill of exchange, and if you shake the bill of exchange by hand, the bill of exchange will make a crisp sound. Three disadvantages: that is, by touching the concave and convex sense of the bill of exchange number to distinguish the authenticity of the bill.

Four ratios: with the help of paper, ink, microtext, printing and other "four anti-counterfeiting signs" comparison to identify the authenticity of the bill; Five photos: with the help of magnifying lights, short-wave lights, long-wave lights, watermark lights and other lighting tools on the ticket surface anti-counterfeiting logo to distinguish the authenticity.

1. Check. Distinguish the authenticity of the bill by reviewing the "four fierce friends" on the face of the bill, that is, clarity, completeness, accuracy and legitimacy.

2. Listen. Distinguish the authenticity of a bill by listening to the sound of shaking the paper of the bill.

3. Touch. Touch the bump of the bill of exchange number to distinguish the authenticity of the bill.

4. Ratio. With the help of the "four anti-counterfeiting signs" comparison on the face of the ticket to distinguish the authenticity of the bill.

5. Photo. With the help of the "four lights" of the discriminator, the authenticity of the bill is distinguished. I hope the above is helpful to everyone.

How to distinguish the authenticity of the acceptance bill, this is generally a bank or a seal stamped by the former village, you can see and refer to that thing.