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Banker's acceptance. The bill of exchange can be cashed at maturity, which can be collected by the issuing bank, or to other ominous banks, and non-issuing banks; It cannot be redeemed before maturity, and can be discounted, and the difference between different banks is that the discount ** is different.

Acceptance bill refers to the bill of exchange that has gone through the acceptance procedures. That is, in the transaction activity, the seller issues a bill of exchange in order to claim payment from the buyer, and the payer indicates on the face of the bill the acceptance words and signature acknowledging the payment due.

After acceptance, the payer becomes the acceptor of the bill of exchange. The acceptance of the purchaser is called a commercial acceptance bill, and the acceptance of the bank is called a bank acceptance bill.

Acceptance bills are divided into bank acceptance bills and commercial acceptance bills, and at the same time, according to the form of existence, bills can be divided into paper acceptance bills and electronic acceptance bills. A banker's acceptance is an order issued by a creditor demanding payment from the debtor. The commercial acceptance bill is issued by the drawer, and the entrusted payer 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.

Bank acceptance bills play an increasingly important role in reducing enterprise costs, standardizing the credit system, adjusting the credit structure, and guiding the flow of funds. It is embodied in the following aspects:

1. Bank acceptance bills directly provide financial services for enterprises through acceptance and discounting business;

2. The acceptance bill market has played a positive role in broadening the financing channels and links of enterprises, and the financing difficulties and expensive financing of small and medium-sized enterprises;

3. The acceptance bill is more flexible, and the capital turnover of the enterprise can be adjusted through the acceptance bill;

4. The acceptance bill has the function of financial management;

5. The acceptance bill can be quickly realized;

6. Acceptance bills reduce the accounts receivable of enterprises.

Ratio. The payment term of the commercial acceptance bill shall not exceed 6 months; Prompt payment deadline for commercial acceptance bills.

10 days from the date of maturity of the bill of exchange; Commercial acceptance bills can be endorsed and transferred; When the holder of the commercial acceptance bill needs funds, he can apply to the bank for discount with the unexpired Chai Yan commercial acceptance bill; Applicable to intra-city or off-site settlement.

Commercial bills. The acceptance process is as follows:

1.Before the bill of exchange expires, the bearer will take the commercial acceptance bill to the opening bank.

Make a prompt payment.

2.The bank submits the bill to the acceptor's bank for payment reminder.

3.The bank and the acceptor will review the commercial bill, if there is no problem with the bill, the opening bank will go through the relevant collection procedures after review, and transfer the money from the account of the payment unit to the account of the receiving unit.

The validity period of the acceptance of the commercial draft is 10 days, if the holder exceeds the prompt payment period.

If the payment is prompted, the opening bank will not accept the group or early acceptance.

Legal Analysis: No, except for commercial banks, no one is allowed to engage in bill spinal discounting activities. If the holder of the unexpired banker's acceptance bill needs funds, it can apply to the commercial bank for discount, and the discount rate is far lower than the interest rate of private trading.

Law on the basis of the law: "Interim Measures for the Administration of Acceptance, Discounting and Rediscounting of Commercial Bills" Article 2 Discounting refers to the holder of commercial bills of exchange before the maturity date, in order to obtain funds to discount a certain interest on the transfer of the right to the instrument to financial institutions.

The acceptance bill given by the state-owned bank can be cashed at maturity, and the acceptance bill given by the small commercial service bank is likely to have the risk of not being cashed at maturity. Bank acceptance bills are generally reviewed and signed by banks and accept bills, while commercial service acceptance bills can be transferred without bank approval and endorsement, but they are smaller than bank acceptance bills in terms of credit rating and liquidity, and the difficulty of applying for exchange in banks is higher than that of bank acceptance bills. The above is the relevant content of where to redeem the acceptance bill.

The acceptance bill is a kind of bill of exchange that has gone through the relevant procedures of Chengye prudently redeemed. That is, in the transaction, the salesperson issues a bill of exchange because he wants to ask the buyer for money, and the payer marks the word "acceptance" and signs and seals on the paper bill to approve the payment at the end of the period. After acceptance, the identity of the payer is changed to the acceptor of the bill of exchange.

The bill of exchange accepted by the purchaser is called a "commercial acceptance bill", and the bill of exchange accepted by the bank is called a "bank acceptance bill".

The acceptance bill goes to the bank for payment. Commercial acceptance bill as a document signed by an enterprise other than the bank, entrusting the payer to confirm the amount on a specific date according to the regulations, and then pay the corresponding amount to the payee and the bearer, the bearer needs to be within 10 days from the expiration date of the bill, through the bank account bank entrusted to collect and pay or directly to the payer for payment. The above is the relevant content of the acceptance bill to cash in.

Commercial acceptance bill refers to the bill of exchange issued by the payee to be accepted by the payer to the bank, or the issuance and acceptance of the bill is a commercial draft used by the payer. Once the acceptance bill is established, the payer must pay the account immediately after the expiration of the deadline of the bill. The acceptance bill can also be applied to the bank for exchange, so as to obtain the integration of funds from the department to support the company's business needs.

The acceptance bill only needs to apply to the bank that handles the relevant defense service before the expiration of the deadline of the bill, and let it pay the corresponding amount. After the expiration of the bill of exchange, if the payer's account does not have this asset, the opening bank will return the bill of exchange to the payee intact, and the bank will notify the payee and the payer to carry out the transaction independently. Payers will also be subject to fines for failing to complete payments on time.

Legal analysis: 1. Acceptance bills are divided into bank acceptance bills and commercial acceptance bills. 2. The acceptance bill cannot be directly exchanged for cash, and it can be endorsed and transferred between enterprises, or the acceptance bill expires, or apply for discount at the bank.

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

19th bill of exchange is issued by the drawer of the age, entrusted to the payer at the time of the bill or on the specified date unconditionally pay the determined amount to the payee or hold the bill containing the bill. Bills of exchange are divided into bank drafts and commercial drafts.

Article 25 The date of payment may be recorded in one of the following forms: (1) payment at sight, (2) payment on a fixed date, (3) regular payment after ticket issuance, (4) regular payment after ticket sight. The payment date of Duan Xiao provided for in the preceding paragraph is the maturity date of the bill of exchange.

26th drawer after the issuance of the bill of exchange, that is, to assume 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.