How do I get the money out of the bank acceptance draft?

Cashing of bills of exchange: After filling in the bank acceptance bill, the cashier of the payment unit shall check the relevant contents of the bill of exchange with the transaction contract, and fill in the list of "bank acceptance agreement" and bank acceptance bill after checking, and stamp the official seal of the unit at the "acceptance applicant". The bank acceptance agreement is generally in triplicate, one copy of the bank credit department, one copy of the bank accounting department, and one copy of the payment unit, and its content is mainly the basic content of the bill of exchange, and the basic terms that the applicant should abide by after the bill of exchange is accepted by the bank.

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.

In accordance with the provisions of the "Bank Acceptance Agreement", the payment unit shall pay the handling fee to the accepting bank when it goes through the acceptance formalities, and the opening bank shall deduct it from the deposit account of the payment unit. According to the current regulations, the bank acceptance fee shall be charged at 5/10,000 of the face value of the bank acceptance bill, and if the handling fee is less than 10 yuan, it shall be charged at 10 yuan.

I don't know if the time expires, if it doesn't, it will be discounted. If you are not really short of money, it is better not to discount. For example, if you have 20,000 yuan, it may only be 19,400 after discounting.

Among them, 600 yuan was lost. If it is due, you can find a bank to handle the collection.

Generally, the bank can pay it, and you must wait until it is about to expire, or the bank will ask you for interest. It's good if you go 3 or 4 days in advance. You must have a basic account and go to the bank where you have a basic account to check it out in detail.

I'm afraid that if I don't tell you clearly or misunderstand here, your acceptance will be wrong, which will be very troublesome.

If you don't have a basic account, I suggest you find a company that has a basic account to help you. Or find an acquaintance at the bank to help you get it. If you haven't done it, it's best to ask the bank for help.

When the bank acceptance bill expires, you can entrust your opening bank to handle it.

If it is not due, if you want to apply for a discount in advance, it depends on which bank is willing to accept it.

Acceptance bill refers to the bill of exchange that has gone through the acceptance procedures. In the course of a transaction, the seller issues a bill of exchange for the purpose of obtaining payment from the buyer, and the payer shall indicate on the face of the bill the acceptance and signature acknowledging the payment due.

A banker's acceptance is an order issued by a creditor demanding payment from the debtor. When this kind of bill of exchange is promised by the bank to pay, it becomes a bank acceptance bill, and the bank acceptance bill is a short-term financing tool, with a term of 30 days to 180 days, and 90 days is the most common. The banker's acceptance draft is issued by the accepting bank.

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

The credit support given by the bank based on the recognition of the drawer's credit is carried out by the bank. The maximum face value of each banker's acceptance bill in China is 10 million yuan.

The commercial acceptance bill is issued by the drawer, and the entrusted payer Min Zhengpei unconditionally pays the determined amount to the payee or bearer on the specified date, and the bill accepted by the payer other than the bank is the commercial acceptance bill. A commercial acceptance bill is an instrument accepted by a payer other than a bank. The commercial acceptance bill can be issued and accepted by the payer, or it can be issued by the payee and handed over to the payer for acceptance.

The drawer of the commercial acceptance bill is a legal person and other organization that has opened a deposit account in the bank, and has a real entrusted payment relationship with the payer, and has reliable funds to pay the amount of the bill**. Commercial acceptance bills do not carry interest.

The use of bills can solve the trouble of cash payment procedures. The bill is endorsed by pass.

It can be used as a multiple transfer, and it can become a circulation and payment tool in the market, reducing the use of cash. Moreover, due to the development of the bill exchange system, bills can be cleared in a centralized manner through the bill exchange center, simplifying the settlement procedures, accelerating capital turnover, and improving the efficiency of the use of social funds. There are three basic parties to bills of exchange and checks, namely the drawer, the payer, and the payee; And a promissory note.

There are only two basic parties: the drawer (the payer and the drawer are the same person) and the payee.

When you want to go to the bank acceptance.

When the bill of exchange is withdrawn, the bearer of the bill of exchange takes the acceptance bill to the bank to get it, presents the relevant certificates, and the bank checks and distributes it.

1. The acceptance bill that the bank will give us is a deferred payment receipt issued by the payer to the bank, and the validity period of the bill is 1 year.

2. After writing the bank acceptance bill, it is necessary to check the contract of the counter-draft and the transaction, the bank acceptance agreement is generally in triplicate, the bank credit department is a copy, the bank accounting department is a copy, and the payment unit is a copy, which is mainly the basic content of the bill of exchange, and the basic terms and conditions that the applicant should abide by after the bill of exchange is accepted by the bank. After checking, the stamp is OK.

3. After that, the bank audited, and the bank audited the acceptance bill and stamped the judgment sedan chair, stamped with the signature or private seal of a handler.

4. When collecting paper bank acceptance bills, it is necessary to write down all the endorsement information in front of it, which is particular, in order to facilitate the best bank personnel to collect on behalf of the bank personnel to avoid writing mistakes and resulting in bills that cannot be collected.

Extended Materials. 1. According to the provisions of the Bank Acceptance Agreement, the payment unit shall go through the acceptance procedures with the acceptance bank.

The payment fee shall be deducted from the deposit account of the payment unit by the depositary bank. According to the current regulations, the bank acceptance fee shall be charged at 5/10,000 of the face value of the bank acceptance bill, and if the handling fee is less than 10 yuan, it shall be charged at 10 yuan.

2. The acceptance period of paper bank acceptance bills shall not exceed 6 months, and the acceptance period of electronic bank acceptance bills shall not exceed 1 year. If the applicant fails to pay the bank acceptance bill when due, the overdue penalty interest shall be calculated according to the regulations.

3. The bank acceptance draft is a commercial draft.

one. It refers to the instrument issued by the depositor who omits to open a deposit account in the accepting bank, applies to the opening bank and is approved by the bank for acceptance, 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.

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1. Exchange of bank acceptance bills when due:

1. First of all, you need to write the endorser of the bank acceptance draft, and then bring the bank acceptance draft and the company's official seal to the bank where the company's public account is located.

2. The user needs the bank to fill in a collection voucher, which also needs to be stamped with the company's seal, and then handed over to the bank for processing.

Second, the commercial acceptance bill cashing:

When the commercial acceptance bill expires, the discount bank shall clear the payment unit through the opening bank of the payment unit and recover the bill.

If the content of the endorsement on the acceptance bill points to you, you can take the acceptance bill to withdraw money, if you are not the endorsee. You can't take a money order to pay it.

Acceptance is a kind of subsidiary bill behavior, which is premised on the establishment of the bill of exchange, and the acceptance act must be carried out on a valid bill of exchange in order to take effect; Acceptance is an instrument made by the payer of a bill of exchange, indicating that it pays the amount of the bill of exchange on the maturity date.

Acceptance is an essential legal act, which must be made and delivered in accordance with the provisions of the Negotiable Instruments Law before it can take effect; Acceptance is an important procedure for the holder to exercise the right of the instrument, and the holder can only determine the right to request payment after the payer makes acceptance.

The accepting bank of the commercial draft must meet the following conditions:

A) with the drawer has a real entrusted payment relationship;

b) have reliable funds to pay the amount of the bill of exchange;

3) The bank has perfect internal management and has been approved by the bank authorized by its legal person.

When the drawer or bearer of the bank acceptance bill reminds the bank of acceptance, the credit department of the bank is responsible for carefully examining the qualifications of the drawer, credit, purchase and sale contract and the contents of the bill of exchange in accordance with the relevant provisions and approval procedures, and the drawer may provide guarantee if necessary. In accordance with the provisions and acceptance conditions, sign an acceptance agreement with the drawer.

The payer accepts the commercial bill, shall be recorded on the front of the bill of exchange with the words "acceptance" and the date of acceptance and signature, after seeing the bill of exchange for regular payment, the date of payment shall be recorded in the acceptance.

In practice, the acceptance sentence of the bank acceptance bill (i.e., the word "acceptance") has been printed on the front of the bill, such as "this bill of exchange has been accepted for unconditional payment when due", "this bill of exchange has been accepted, and the payment shall be made by the bank on the maturity date", etc., without the need for the acceptor to record separately, the acceptor only needs to sign at the acceptor's signature and fill in the acceptance date column with the acceptance date.

The accepting bank of the bank acceptance bill shall charge the drawer a handling fee of 5/10,000 according to the face value. The payer's acceptance of the commercial draft shall not be conditional. If the acceptance is conditional, it shall be deemed to be a refusal of acceptance.

At present, there are two main types of bank acceptance bills. The first is to go to the bank for collection after expiration. The specific operation method is that after the issuing bank receives the acceptance bill mailed, the bank will remit the money according to the account provided by the last endorser.

In this way, there are no fees incurred. The second is the unexpired discount, which will incur a certain discount fee. As for the amount of the fee, it generally has a lot to do with the issuing bank and the time of issuance.

When we handle the acceptance bill, the bank's acceptance agreement is generally in triplicate, of which the three copies are the bank credit department, the bank accounting department, and the payment slip is each a copy, and its content is mainly the basic content of the bill, and the basic terms that the applicant should abide by after the bill of exchange is accepted by the bank. After the bank's examination is completed, the bank's official seal or contract seal shall be stamped on the bank acceptance agreement, the special seal of the bill of exchange shall be stamped on the bank acceptance bill, and at least one private seal of the person in charge shall be stamped.

Kiss! The specific process of cashing the acceptance bill: go to the bank counter to go through the cashing procedures.

Those who hold the acceptance Huikai wide bill can go to the counter of the issuing bank or the accepting bank to go through the cashing procedures. Proof of identity and original acceptance draft are required. The bank reviews the acceptance draft.

The bank will review the acceptance bill, including checking the authenticity of the bill, whether it has expired, whether it has been endorsed or pledged, etc. If approved, the bank will pay the bearer the face value of the bill of exchange in cash or transfer it to the bearer's bank account. Deduction of fees and interest.

The bank may charge a certain handling fee and interest when cashing the acceptance bill. The amount of the handling fee is generally charged according to a certain percentage of the face value of the acceptance bill, while the amount of interest is calculated according to the maturity date and interest rate of the acceptance bill. The above is the general process of cashing the acceptance bill, and the specific operation may vary from bank to bank.

If you have an acceptance bill and need to cash it, you can first consult the relevant procedures and procedures at the bank.