Can the drawer of a commercial draft be the payer?

Commercial bills generally have three parties, namely the drawer, the payee and the payer.

One is the drawer, when the industrial and commercial enterprises need to use the commercial draft, they can become the drawer. The main difference between a commercial draft and a bank draft is that the drawer of a bank draft is a bank, and the drawer of a commercial draft is an industrial and commercial enterprise.

The second is the payee, which is the person who actually receives the amount of the bill of exchange actually stated on the commercial draft. It has the following circumstances: a. if the drawer is the debtor in the underlying relationship, the payee should be its relative creditor; After receiving the bill, the creditor will prompt the acceptance to other industrial and commercial enterprises or banks that have a financial relationship with the drawer, and the creditor can collect the payment on the specified date with the bill.

b. If the drawer is a creditor in the underlying relationship, the drawer should be the payee; In this case, the drawer, as a creditor, issues a bill of exchange to its relative debtor, and then the debtor reminds its bank of account for acceptance (and sufficient funds), and then returns the bill of exchange to the drawer; The original drawer may collect the face value of the debtor through the bank with the bill on the specified date.

The third is the payer, that is, the person who actually pays the amount of the commercial bill. It has the following circumstances: a, when the drawer is the debtor, its relative creditor becomes the payee of the bill, the relative creditor can hold the bill to the drawer's bank for acceptance, and the bank will pay on behalf of the drawer's bank deposit, and the drawer is the actual payer; or, according to the agreement with the drawer, the creditor reminds other industrial and commercial enterprises that have a financial relationship with the drawer for acceptance, and the industrial and commercial enterprise pays the creditor and becomes the actual payer; B, when the drawer is a creditor, its relative debtor after receiving the bill, can hold the bill to its bank to remind the acceptance and sufficient funds, by the bank from the debtor's bank deposit to the drawer on behalf of the payment, the debtor is the actual payer; Or according to the agreement with the drawer, the debtor will receive the bills, to other industrial and commercial enterprises with which it has a financial relationship for acceptance, and then return the accepted bills to the drawer, the industrial and commercial enterprises to pay the drawer and become the actual payer.

No. Bank drafts are OK. The issuing bank of the bank draft is the payer of the bank draft. The drawer is the "issuing bank".

Commercial bills are divided into commercial acceptance bills and bank acceptance bills.

The payer of the commercial acceptance bill is the buyer's bank. The drawer can be either the buyer or the seller, but either is different from the buyer's bank. So the two are different.

The payer of the bank acceptance bill is the accepting bank. Its drawer accepts the applicant. So the two are different.

But the above is a narrow case.

Broadly speaking, in a commercial bill, the payer or the applicant for acceptance refers to the buyer.

So in this sense, it's okay.

OneCommercial billsWho is paying for it

The payer of the commercial draft, that is, the person who actually pays the amount of the commercial draft.

It has the following conditions:

A. When the drawer is the debtor, its relative creditor becomes the payee of the bill, and the relative creditor can hold the bill to the drawer's bank for acceptance.

Deposits are made by the bank from the drawer's bank.

In the payment on behalf of the drawer, the drawer is the actual payer; or, according to the agreement with the drawer, the creditor presents acceptance to other industrial and commercial enterprises that have financial relations with the drawer, and the industrial and commercial enterprise pays the creditor suspect and becomes the actual payer;

B, when the drawer is a creditor, its relative debtor after receiving the bill, can hold the bill to its bank to remind the acceptance and sufficient funds, by the bank from the debtor's bank deposit to the drawer on behalf of the payment, the debtor is the actual payer; Or according to the agreement with the drawer, the debtor will receive the bills, to other industrial and commercial enterprises with which it has a financial relationship for acceptance, and then return the accepted bills to the drawer, the industrial and commercial enterprises to pay the drawer and become the actual payer.

Second, the payer and drawer of the commercial draft

The drawer of the bank acceptance draft refers to the applicant unit, that is, in the acceptance bank.

Legal persons and other organizations that open deposit accounts.

The payer is the acceptor, so the payer of the bank acceptance bill is the accepting bank.

Bank draft. It refers to the bill issued by the remitter depositing the money with the local drawer bank, and the bill is unconditionally paid to the payee according to the actual settlement amount when the drawer sees the bill.

3. Commercial jujube industry bills of exchange

A commercial draft is a bill issued by the drawer, and the payer is entrusted to pay a certain amount to the payee or bearer unconditionally on the specified date. The financial relationship and entrustment relationship formed between the issuing bank and the cashing bank, that is, the drawer and the payer, that is, the issuing bank will release the funds to the cashing bank in another place, and the cashing bank accepts the payment entrustment and has the obligation to pay the amount of the bill to the bearer.

The payer of the bill of exchange refers to the person who fulfills the responsibility of paying the bill of exchange. In general, it is the entrusted payer. The payer of the bank draft is the bank that participates in the national interbank exchanges. The payer of the commercial draft, that is, the person who actually pays the amount of the commercial draft.

Article 19 of the Negotiable Instruments Law states that a bill of exchange is an instrument issued by the drawer, and the payer is entrusted to unconditionally pay a certain amount to the payee or bearer at the sight of the bill or on a specified date. Bills of exchange are divided into bank drafts and commercial drafts.

The payer takes Zheng, that is, the person who actually pays the amount of the commercial draft. It has the following conditions:

A) in the issuing commercial draft structure is the debtor, its relative creditor becomes the payee of the bill, the relative creditor can hold the bill to the drawer's bank to prompt acceptance, by the bank from the drawer's bank deposit on behalf of the payment, the drawer is the actual payer; or, according to the agreement with the drawer, the creditor reminds other industrial and commercial enterprises that have a financial relationship with the drawer for acceptance, and the industrial and commercial enterprise pays the creditor and becomes the actual payer;

2) When the drawer is a creditor, after receiving the bill, the relative debtor can hold the bill to its bank to remind the acceptance and sufficient funds, and the bank will pay the drawer on behalf of the drawer from the debtor's bank deposits, and the debtor is the actual payer.

Article 2 of the Bank Bills Management System, the company receives the acceptance bill, and after the examination is correct, the cashier shall issue a receipt of receipt and register the ledger in a timely manner. After the registration is completed, the acceptance bill shall be properly kept. The accountant in charge of the accounts and bills shall inspect and check the work from time to time to ensure that the accounts and bills are consistent.

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

The payer of the commercial draft is the payer, that is, the person who actually pays the amount of the commercial draft. It has the following circumstances: (1) when the structure of the commercial bill of exchange is an old debtor, its relative creditor becomes the payee of the bill, and the relative creditor can hold the bill to the drawer's bank to prompt acceptance, and the bank will pay on behalf of the drawer's late bank deposit, and the drawer is the actual payer; or, according to the agreement with the drawer, the .

The payer of the bill of exchange refers to the person who fulfills the responsibility of paying the bill of exchange. In general, it is the entrusted payer. The payer of the bank draft is the bank that participates in the national interbank exchanges. The payer of the commercial draft, that is, the person who actually pays the amount of the commercial draft.

Article 19 of the Negotiable Instruments Law states that a bill of exchange is issued by the drawer, and the payer is entrusted to unconditionally pay a certain amount to the payee or bearer at the sight of the bill or during the late bending period on a specified date. Bills of exchange are divided into bank drafts and commercial drafts.