How to distinguish the authenticity of a bank acceptance draft

There are three ways to identify bills: feel, visual inspection and appliances.

Anti-counterfeiting elements 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:

1. 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.

2. Whether the bill of exchange is made a crisp sound by shaking it by hand, and the fake bill of exchange makes a turbid sound.

Step 2: Visual Identification:

1. Observe whether there are full-page flowers and the black and white watermark pattern of Chinese pinyin "hp".

2. Compare whether the printed handwriting on the paper is clear.

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

4. Whether the bank draft uses a combination of special numbers.

5. Whether the number is uniformly printed with brown permeable ink, the front of the paper is brown and black, and the back has a red permeation effect.

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

7. Whether the bank draft is printed by the following four printing houses, Shanghai ** Printing Factory, Baoding 542 Printing Factory, or Baoding ** Printing Factory, 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

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

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

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

4. Whether the colorless fluorescent fibers on the front and back of the bill of exchange paper have fluorescent reaction under the ultraviolet lamp, and whether the colored fluorescent fibers have no fluorescent 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 Chinese pinyin "huipiao" microtext from left to right.

There are many anti-counterfeiting measures for bank acceptance bills, such as paper, seals, inks, watermarks, water-soluble lines, etc., and check with the acceptance bank whether the elements of the bill are trueView the full text (about 53 words).

The beneficiary bank sends an inquiry to the payment bank. Or check in the accounting department of the paying bank.

It can be verified with a professional ticket verification instrument.

In the past two years, the discounting business of acceptance bills of the Bank of China has developed rapidly and has become a new bright spot in its work. However, at the same time, counterfeit, altered and "cloned" acceptance bills in the market have also emerged, and whether the business counter personnel can control the examination is very important to prevent the risk of bills. Here are five ways to do it from your long-term work experience:

One check, two listening, three touching, four comparisons, five photos, practical and effective. A check: that is, to distinguish the authenticity of the bill by reviewing the "four characteristics" of the face of the bill - clarity, completeness, accuracy and legitimacy.

1. Clarity: It mainly refers to the fact that the bill is smooth and clean, and the handwriting seal is clear and legible, so as to achieve "two nos", that is: no defacement, which means that there are no creases, water marks, oil stains or other dirt on the face of the ticket.

No alteration, which means that there are no traces of alteration in the recorded elements, signatures and endorsements on the face of the ticket. 2. Integrity: It mainly refers to the fact that the bill is not damaged and the recorded elements and signatures are complete, so as to achieve "two no", that is:

No defects, meaning that the bill is free of missing corners, tears or other damage. There are no missing items, which means that the elements and endorsements on the face of the ticket are completed completely, and all kinds of signatures and seals are complete. 3. Accuracy:

It mainly refers to the correct filling of the recorded elements on the face of the bill, and the signature and seal comply with the provisions of the "Negotiable Instruments Law" to achieve "two nos", that is: no wrong items, which means that the line name, line number, and special seal of the bill of exchange of the bill of exchange should be accurate, and the endorsement must be continuous. No clerical errors, means that the amount of the bill should be the same, the writing specification, the issuance and payment date of the filling in accordance with the requirements (month requirements 1, 2 months before the addition of zero, date requirements 1-9 before the addition of zero, 10, 20, 30 before the addition of zero) 4, legality:

It mainly refers to the normal circulation and acceptance of bills, and achieves "two nos", that is, there is no exemption, and it means that the bills marked with the words "no transfer", "pledge" and "entrusted collection" shall not be discounted. No injunction means that the bill should not fall within the scope of theft, deception, loss and the scope of the prohibition of circulation and publicity and reminder by the public procuratorate and law.

Second listening: that is, by listening to the sound of shaking the paper of the bill of exchange to distinguish the authenticity of the bill. 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.

Three touches: that is, by touching the concave and convex sense of the bill of exchange number to identify the authenticity of the bill. 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.

Four ratios: that is, with the help of the "four anti-counterfeiting marks" on the face of the bill to distinguish the authenticity of the bill.

At present, there are five common methods to identify the authenticity of bank acceptance bills, which are as follows:

1. Review the clarity, completeness, accuracy and legitimacy of the ticket.

2. Shake the bill of exchange paper, and distinguish it by the sound of the bill of exchange paper to check the Chan shop, and the real bill of exchange paper emits a crisp sound of defeat, and has a certain toughness.

3. Touch the money order number. The surface of the real bank inheritance bill of exchange has a sense of concave and convex, and the concave and convex feeling of the fake bill of exchange is not obvious.

4. Check whether the anti-counterfeiting mark on the face of the acceptance bill is clear and obvious.

5. Distinguish the authenticity of bills with the help of bill discriminators.