How long does it take for an electronic banker s acceptance draft to be issued to the other party s

1) You can receive it from the time it is sent to the day of receipt. E-banking.

Acceptance bills are accepted by means of electronic signatures.

and a reliable security authentication mechanism, which can ensure its uniqueness, integrity and security, and reduce the risks of cloning, alteration, forgery, loss and damage of bills;

Issuance, guarantee, acceptance, delivery and endorsement of electronic bank acceptance bills.

Pledge, discount, rediscount, rediscount.

and all other bills are in the electronic commercial draft system.

It can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and business efficiency. In the electronic bank acceptance drawer or endorser draft recorded "non-transferable" matters, electronic commercial draft shall not continue to endorse. The bill is prompted for payment period.

, no transfer endorsement shall be made.

2) The premise is to issue an electronic bank acceptance draft, which should be endorsed by the electronic bank acceptance draft to the other party.

3) You have to first determine whether the other party has opened the bank's corporate online banking and electronic bill business, if not, then it will definitely not be received, if it is opened and not received, you can withdraw it temporarily. If the problem is complicated, you can consult the bank.

4) Steps to withdraw the electronic bank acceptance draft:

1 Commercial Draft - Endorsement, select Bank Acceptance Draft, click Endorsement Revocation, and select the endorsement application you want to revoke.

2. Confirm the information of the revocation and submit an application for review;

3. The reviewer clicks on the commercial draft - endorsement, selects the bank acceptance draft - endorsement revocation, and selects the bill of exchange in the list of documents to be reviewed to agree to the review.

Extended Information: Features of Bank Electronic Acceptance Drafts:

1. Compared with paper bills, electronic commercial bills can ensure uniqueness, integrity and security, and avoid the risk of fake bills and cloned bills; Electric bills can be traded without leaving home, convenient, and the speed of payment collection is accelerated, and the collection and collection of bills are in transit.

2. The electronic commercial draft accepted by the bank has a more reliable bank credit guarantee than the commercial acceptance bill, and the circulation range is wide; With the help of the deep bill network, it can be discounted quickly, which not only reduces the capital occupation of the enterprise, but also saves the cost of capital use; The electronic management of bills can be easily realized, and the corresponding coupon information and capital flow of each bill can be accurately queried, and the management cost is continuously reduced.

3. All activities of electronic bills are recorded and generated on the ECDS (Electronic Commercial Draft System), and the ECDS is generated by the People's Bank of China.

Led the construction of a national financial business operation system, which has financial-level system security.

and information disaster recovery protection, completely eliminate cloned tickets and fake tickets, and eliminate all risks in the process of paper ticket circulation.

In general, a good family wheel can be received.

Electronic bank acceptance bill issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, transfer discount, rediscount and other bill behavior are carried out on the electronic commercial draft system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively enhance financial and business efficiency.

Through the use of electronic signatures and reliable security authentication mechanisms, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risks of cloning, alteration, forgery, loss and damage of bills.

Receive it the same day. Electronic banker's acceptance draft is adopted through the use of electronic signatures.

and a reliable security recognition or blind evidence mechanism, which can ensure its uniqueness, integrity and security, and reduce the risks of cloning, alteration, forgery, loss and damage of bills; E-bank acceptance bill issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, chain which to discount, rediscount.

and all other bills are carried out on the electronic commercial draft system, which can greatly improve the efficiency of bill circulation and reduce human and financial costs.

Extended Materials. The electronic bank acceptance draft is applied to the opening bank in the form of data messages by the drawer (i.e., the acceptance applicant) and passed through the acceptance bank.

After approving and agreeing to the acceptance, the acceptance applicant is guaranteed to unconditionally pay the bills of the payee or bearer of the fixed amount on the specified date. Electronic bank acceptance draft is the inheritance and development of paper bank acceptance bill, electronic bank acceptance draft embodies the rights and obligations of the bill and paper bank acceptance draft is no different, the difference is that the electronic bank acceptance bill in the form of data message instead of the original paper physical bill, electronic signature instead of physical signature, network transmission instead of manual transmission, computer entry instead of manual writing, to achieve the billing, circulation, redemption and other ticket card call empty document business process completely electronic. Conditions of Establishment.

If a customer applies for electronic bank acceptance draft business through corporate internet banking, he or she should first contact his bank where he opened his account.

Apply for registration as an Internet Banking-Cert customer.

1) If you need to open the electronic bank acceptance draft business, please provide the following information: Enterprise Organization Certificate.

and photocopy, legal person and ** person ID card.

and photocopy, power of attorney, official seal, reserved seal and legal person seal.

Other documents required for opening an account.

2) If you have not yet registered for the enterprise online banking certificate and need to open the electronic bank acceptance draft business, please provide the following information: the original, copy and copy of the business license of the enterprise, the ** certificate of the organization and the copy, the ID card and copy of the legal person and the ** person, the power of attorney, the official seal, the reserved seal and the seal of the legal person, and other information required by the account opening outlets.

Payment is prompted within 10 days after expiration. The payment period of the electronic bank acceptance draft prompt is ten days from the maturity date of the bill can be initiated, if the tenth day is a rest day, then it will be extended to the next working day. It must be initiated within 10 days after expiration.

After the expiration of the electronic bank acceptance draft, the bearer can directly prompt the payment to the bill acceptor (bank acceptance bill issuing bank) in the electronic bill system, there is no defective bill, no possibility of return, and the payment can be received on the same day. The payment is prompted on the day of the expiration of the electronic commercial acceptance bill, which is a normal prompt payment procedure. The 10 working days after the expiration date is a reasonable and legal payment period stipulated in the Negotiable Instruments Law.

Note that:

1.The legal holder (the last bearer of the note), the exercise of the right of the instrument, the first order of rights is definitely the right to prompt payment, and the second right that can be exercised is: the right of recourse (after the acceptor refuses to pay, it can be executed);

2.Whether the payment will be prompted within 10 working days after the expiration date will have the following impacts:

If the payment is prompted, after the acceptor refuses to pay, the bearer can exercise the right of recourse against the previous hand (biller, payee, endorser);

If there is no prompt payment, after the acceptor refuses to pay, the bearer can only seek recourse to the biller and payee on the face of the ticket, and lose the right of recourse to you (the previous hand), of course, if you are the first hand holder, the impact can be ignored.

What is an electronic banking acceptance?

Electronic bank acceptance draft refers to the drawer in the form of data message to the bank to open an application, after the bank approval and acceptance of the acceptance, the acceptance applicant can unconditionally pay a certain amount to the payee or bearer on the specified date of the bill.

Electronic bank acceptance draft is the inheritance and development of paper bank acceptance bill, and the rights and obligations of the bill embodied in the electronic bank acceptance draft are no different from the paper bank acceptance bill. The difference is that the electronic bank acceptance bill replaces the original paper physical bill in the form of data message, replaces the physical signature with an electronic signature, replaces manual transmission with network transmission, and replaces manual writing with computer entry, so as to realize the complete electronicization of the bill business process such as issuance, circulation and payment.

Electronic acceptance bills are generally received in real time, and will not exceed 2 hours at the latest. The maximum term of the electronic bank acceptance bill is 1 year, and the maximum amount is 1 billion yuan, which has the characteristics of safety, efficiency, speed, low cost and good liquidity.

Acceptance bill refers to a commercial credit certificate held by the holder or payee. After the drawer hands the bill of exchange to the payee or bearer as a payment voucher, the acceptor unconditionally pays the determined amount to the payee or bearer at the sight of the bill or on the specified date.

Extended Materials. 1.The electronic acceptance bill is the successor of the paper acceptance bill, which can realize the complete electronicization of the bill business process such as issuance, circulation and redemption. Electronic acceptance bills are signed electronically.

and security authentication mechanism, which can ensure its uniqueness, integrity and security, and reduce the risk of cloning, alteration, forgery, loss and damage of bills.

2.Issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount, and rediscount of electronic acceptance bills.

and all other bills are in the electronic commercial draft system.

It can improve the speed of bill circulation, reduce manpower and financial costs, and improve financial and business efficiency.

3.Electronic commercial draft is made by the drawer in the form of data message, entrusted payer on the specified date unconditionally to pay the determined amount to the payee or bearer of the bill, compared with the paper commercial draft has the form of data message issuance, circulation, and electronic signature instead of the outstanding characteristics of the physical signature, it is very important to put an end to forgery, alteration of bills case round, reduce the cost of enterprise settlement, improve settlement efficiency, control financing risk has a very important role.

Electronic commercial draft has greatly improved security, extended term, greatly reduced transmission and storage costs, and the payment and settlement of bills.

The efficiency will be greatly improved, and at the same time, the operating cost of financing will also be greatly reduced. The maximum term of the electronic bank acceptance bill has been extended from 6 months to 1 year, and the maximum bill amount has been enlarged from 100 million yuan to 1 billion yuan, which has good liquidity and strong short-term financing ability, which is very helpful for the group system enterprises to reduce financial costs.

Legal analysis: The acceptance period of bank acceptance bills can be up to 6 months, so the circulation in the market is generally 6 months, of course, there are also three months and four months. The acceptance period of an electronic bank acceptance draft can be up to one year.

A banker's acceptance bill is a type of commercial bill. 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.

Legal basis: "Law of the People's Republic of China Negotiable Instruments" Article 27 The holder may transfer the right to the bill of exchange to others or grant a certain right to the bill of exchange to others to exercise. If the drawer records the words "non-transferable" on the bill of exchange, the bill of exchange shall not be transferred.

When exercising the rights provided for in the first paragraph, the bearer shall endorse and deliver the bill of exchange. Endorsement refers to the act of recording relevant matters and signing on the back of the bill or on the sticky sheet.

Legal Analysis: Soon, more than an hour. With the account opening information and the legal person ID card, go to the bank to go through the account opening procedures, which is generally done within an hour, and the electronic acceptance will be opened, and you can send and receive the electronic acceptance.

Legal basis: "Law of the People's Republic of China on Negotiable Instruments" Article 26 After the drawer issues the bill of exchange, it bears the responsibility of guaranteeing the acceptance and payment of the bill. When the drawer fails to accept or pay the bill of exchange, it shall pay off the amount and expenses provided for in Article 70 and Article 71 of this Law to the bearer.

Legal analysis: bank acceptance bills have a certain period of time, in order to avoid the greater payment and settlement risk brought by long-term bills, the acceptance period of bank acceptance bills is not more than 6 months, and the bank acceptance bills circulating in the market also have three months and four months.

Legal basis: Negotiable Instruments Law of the People's Republic of China

13th debtor shall not be against the holder of the bill by virtue of its own and the drawer or the previous hand of the holder. However, the holder is aware of the existence of a defence and obtains the instrument.

The debtor of the instrument may defend against the holder who has a direct creditor's right and debt relationship with itself if it fails to perform its contractual obligations.

For the purposes of this Law, the term "defense" refers to the refusal of the debtor of the instrument to perform its obligations to the creditor of the instrument in accordance with the provisions of this Law.

Article 14 The items recorded on the negotiable instrument shall be true and shall not be forged or altered. Those who forge or alter the signatures and seals and other recorded items on the bills shall bear legal responsibility.

If there are forged or altered signatures on the bills, the validity of other genuine signatures on the bills shall not be affected.

If other items recorded on the bill are altered, the person who signed the seal before the alteration shall be responsible for the original items; The person who signs the seal after the alteration is responsible for the matters recorded after the alteration; If it is not possible to distinguish whether the seal was signed before or after the instrument was altered, it shall be deemed to have been signed before the alteration.