Can a banker s acceptance draft be issued by both the payer and the payee?

Yes, the payer is issued; The commitment period is based on the time specified in the bill, including sight, 30 days, 60 days, 90 days, and 180 days.

In accordance with the agreement between the two parties, the commercial acceptance bill can be issued by the payment unit or by the payee.

The bank acceptance draft is issued by the acceptance applicant, and the acceptance bank is the payer of the bank acceptance draft.

The commercial draft can be issued by the drawer (not the payee) and accepted by itself, at which time the drawer is the payer; It can also be issued by the drawer (not the payee) and accepted by a third party, when the drawer is neither the payee nor the payer; It can also be issued by the payee of the travel judgment and handed over to the payer for acceptance, and the person who changes the cheque is the payee.

Since the issuance and acceptance of a commercial draft (confirmation of the payer) are two actions, it can be issued by the payee.

The acceptor (i.e., the payer) is responsible for unconditional payment of the bill when due, and the bill of exchange can be discounted to the bank or negotiable and transferred. In a commodity transaction, when the seller asks the buyer for a bill of exchange, the depositor must sign the word "acceptance" on the front of the bill of exchange and affix the bank's reserved seal.

Before the bill of exchange expires, the payer shall pay the full amount to the opening bank. After the bill of exchange matures, the bank voucher is transferred from the account of the payment unit to the payee or the discounting bank.

If the payer's account is insufficient to pay when the bill of exchange expires, the opening bank will return the bill to the payee, and the receiver and payer will solve it by themselves. At the same time, the payer shall be fined 1% of the face value in accordance with the provisions of the bad cheque.

Correct] Analysis] Commercial acceptance bills can be issued by both the payer and the payee.

Summary. Hello, I am glad to answer for you, the bank can not directly to the payee, the bank acceptance bill can not be paid to the individual, the bank acceptance bill is a corporate business, the individual is unable to issue or accept the bank acceptance draft.

Hello, I am glad to answer for you, the banker Zen can not be accepted by the acceptance bill to the payee, the bank acceptance bill can not be paid to the individual, the bank acceptance bill is a corporate business, and the individual can not issue or accept the bank acceptance draft.

Expansion: Acceptance bill refers to the bill of exchange that has gone through the formalities of acceptance and acceptance. That is, in the transaction activity, the seller signs the bill of exchange in order to obtain payment from the buyer, and the payer indicates on the face of the bill the word "acceptance" and the signature of the payment due.

After acceptance, the payer becomes the acceptor of the bill of exchange. Those accepted by the purchaser are called "commercial acceptance bills", and those accepted by banks are called "bank acceptance bills".

Hello teacher, the bank acceptance draft I applied for and guaranteed was handed over to the supplier by the bank without my power of attorney, is it legal to do so?

Illegal. According to the provisions of the Negotiable Instruments Law of the People's Republic of China, the bank acceptance bill is a valuable bill with legal effect. When accepting bills of exchange, banks should comply with relevant laws and regulations and rules and regulations to ensure the legitimacy and safety of transactions.

The banker's acceptance draft shall be issued by the drawer.

The law of our country clearly stipulates that the bill of exchange is issued by the drawer, and the payer is entrusted to pay the amount of money to the payee or bearer unconditionally at the sight of the bill or on the specified date.

Conditions for handling bank acceptance bill business:

1. The applicant is a legal person or other organization that has opened a deposit account in the acceptance bank, is established in accordance with the law and engages in legal business activities;

2. The applicant has good credit standing and reliable funds for the payment of the amount of bank acceptance bills when due**;

3. The applicant has no bad loans, interest arrears and other bad credit records in the bank in the past two years;

4. Based on real and legal transactions of goods and services, and indicate in the transaction contract that the bank acceptance bill is used as a settlement tool and method; The drawer shall provide the true and effective commodity purchase and sale contract and related transaction invoices under the business;

5. Be able to provide corresponding guarantees and deposit a certain percentage of the margin as required;

6. Other conditions required by the bank.

Banker's Acceptance Bill Business Process:

1. After the approval of the bank, the drawer shall deposit a certain percentage of the deposit and go through the relevant guarantee procedures;

2. The bank signs the relevant contract with the drawer;

3. The drawer issues the bill, and the bank stamps the special seal of the bill of exchange and delivers it to the drawer;

4. Before the expiration of the bank acceptance bill, urge the drawer to deposit the funds sufficient to pay the amount of the bill into the bank account;

5. Before the expiration of the bill, the bearer will send the bank acceptance bill to its bank for collection;

6. The collecting bank will pass the bank acceptance draft and the entrusted collection voucher to the accepting bank;

7. Transfer the money of the bill of exchange.

To sum up, when the drawer or bearer of the bank acceptance bill pretends to be the bank for acceptance, the credit department of the bank is responsible for carefully examining the qualifications, credit, purchase and sale contract and the contents recorded in the bill of exchange of the drawer of the bank acceptance bill in accordance with the relevant regulations and approval procedures, and the drawer can provide guarantee if necessary. In accordance with the provisions and acceptance conditions, sign an acceptance agreement with the drawer.

Legal basis]:

Article 19 of the Negotiable Instruments Law of the People's Republic of China.

A bill of exchange is an instrument issued by the drawer, and the payer is entrusted to pay a certain amount to the payee or bearer unconditionally at the sight of the bill or on a specified date.

Bills of exchange are divided into bank drafts and commercial drafts.

Summary. 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. 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, and effectively save capital costs. The use of bank acceptance bills to finance commercial transactions is called acceptance financing.

1] After the issuance of the bank draft, give it to the payee, what should the payee hold.

The payee should be a juvenile with his or her own identity card.

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 with the acceptance bank, applies to the opening bank and is reviewed by the bank 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.

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. [1]

The bank acceptance bill is issued by the depositor, and its main characteristics are good credit, strong acceptance, and high flexibility, so that the bank acceptance bill can effectively save the cost of funds. The popular understanding of the bank acceptance bill is that it is a kind of deferred payment bill issued by the bank entrusted by the payer, and the bank has the obligation to pay at sight after the bill expires; The maximum term of the note is six months, and the endorsement transfer can be carried out during the term of the note.

It should be noted that the bank also has strict requirements for the drawer of the acceptance bill, and the drawer needs to meet the following conditions: (1) the legal person and other organizations of the acceptance bank to open the Yunchan deposit account; (2) Have a real entrusted payment relationship with the accepting bank; (3) Able to provide legally effective purchase and sale contracts and VAT invoices; (4) Have sufficient payment capacity, good settlement record and settlement reputation. (5) The bank has a good credit relationship and no overdue loan record.

6) Able to provide corresponding guarantees, or deposit a certain percentage of the margin as required. (7) The drawer has a good credit guarantee.

The scope of bank acceptance bills includes state-owned enterprises, private enterprises, medical and health care, institutions and schools, etc., and the main purpose is to postpone payment in the process of **. In the whole process of issuance and acceptance, the bank is mainly divided into four steps: 1. Sign the transaction contract; 2. Issuance of bills of exchange; 3. Acceptance of bills of exchange; 4. Pay the handling fee.