How to open an electronic bank acceptance draft

If a customer applies for electronic bank acceptance draft business through corporate online banking, he/she should first apply to his/her bank to register as an online banking certificate customer.

If a registered enterprise online banking certificate customer needs to open the electronic bank acceptance draft business, please provide the following information: the enterprise organization certificate and its copy, the legal person and the **person ID card and its copy, the power of attorney, the official seal, the reserved seal and the legal person seal, and other information required by the account opening outlets.

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.

The opening process of electronic bank acceptance draft is as follows:

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.

If you need to open the electronic bank acceptance draft business, you should 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, and other information required by the account opening outlet.

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.

The following steps are required to open an electronic bank acceptance draft:

1. Bring the business license, account opening permit, credit ** certificate, ID card of the legal person and the manager, and bank seal, etc.

2. Fill in the comprehensive application form for online banking, check the electronic commercial paper module on the form, and seal the application form.

3. Sign the online banking corporate customer service form.

4. The bank handles and opens the corresponding business.

Step 1: Log in to the corporate online banking system, click on the bill center - ticketing - ticketing application menu, and enter the ticketing application interface;

Step 3: Click the submit button to enter the interface of the transaction result of the ticket application, and then prompt the acceptance application;

Step 4: Log in to the corporate online banking system, click [Bill Center] - Ticket Issuance - Prompt Acceptance Application] menu to enter the Prompt Acceptance Application interface;

Step 5: Enter the search conditions, click the [Search] button, and the e-ticket list screen will pop up.

Step 7: Click the [Submit] button to enter the interface that prompts the transaction result of the acceptance application.

Step 8: Log in to the corporate online banking system, click [Bill Center] - Ticket Issuance] - Prompt Receipt Application] menu to enter the prompt receipt application interface;

Step 9: After entering the query conditions, click the [Query] button to pop up the ticket list interface;

Step 11: Click the [Submit] button to enter the screen prompting the transaction result of the invoice collection application.

Extended Information: Classification of Banker's Acceptance Bills:

1. 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.

2. A bank acceptance bill is an order issued by a creditor to demand payment from the debtor. When this kind of bill of exchange is promised by the bank to pay, it becomes a bank acceptance bill, and the bank acceptance bill is a short-term financing tool, with a term of 30 days to 180 days, and 90 days is the most common. The banker's acceptance bill is issued by the depositor who has opened a deposit account in the acceptance bank.

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. The maximum par amount of each bank acceptance bill in China is 10 million yuan (the par amount encountered in practice is 100 million yuan).

3. 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. A commercial acceptance bill is an instrument accepted by a payer other than a bank. The commercial acceptance bill can be issued and accepted by the payer, or it can be issued by the payee and handed over to the payer for acceptance.

The drawer of the commercial acceptance bill is a legal person and other organization that has opened a deposit account in the bank, and has a real entrusted payment relationship with the payer, and has reliable funds to pay the amount of the bill**. Commercial acceptance bills do not carry interest.

Operating Environment: Browser: MacBookPro MOS14

If you want to receive electronic acceptance bills, the enterprise receiving electronic bank acceptance bills must be opened corporate Internet banking, and has opened the electronic commercial draft function. The specific process is as follows:

1. The electronic bank acceptance bill completes the circulation of the bill through electronic means, and the endorser of the electronic bank acceptance draft logs in through online banking, bank counter or other electronic terminals, enters the endorsement application information (including bill information, endorser information, and endorsee information), and uses the endorser's digital certificate to stamp the electronic signature;

2. Before the endorsee initiates a reply, both the endorser and the endorsee can operate the bill, the endorser can revoke the endorsement application, and the endorsee can reply (sign or reject) the endorsement application.

3. At this time, the system will handle it according to the principle of time priority: if the endorser withdraws the endorsement application first, the endorsement application has been revoked, and the endorsee can no longer reply to the endorsement; If the endorsee initiates an endorsement reply first, the endorsement application has been signed or rejected according to the endorsee's will, and the e-bank acceptance endorser cannot revoke the endorsement application.

4. Suppose Company A wants to pay an electronic bank acceptance draft to Company B.

1. Company B should first provide Company A with the bank account opening information of Company B's corporate account: company name, opening bank, and opening bank number. Then Company A can endorse the electronic bank acceptance draft to Company B in the online banking system.

2. When the operation of company A is completed, company B finds the corresponding option to sign for the bill of exchange in the online banking system (the online banking of each bank is different, it is similar), and company B clicks on the electronic bank acceptance draft and chooses to sign for it.

The electronic acceptance draft can be received at the bank counter, you need to bring your ID card, electronic acceptance draft information to the draft bank, and then fill in the application form for acceptance; Of course, users can also receive through the mobile banking app, through the form of the network to receive electronic acceptance bills, you need to open online banking, and also open the electronic commercial draft function.

Operating environment: Xiaomi Mi 11

1. How to cash the electronic commercial acceptance bill when it expires.

1. Selection of payment method.

There are two ways to collect electronic commercial acceptance bills that are about to expire, such as online payment or offline payment, but usually enterprises will choose to complete the collection of bills of exchange through online faster methods, because online banking and online transactions can ensure the safety of payment funds for both enterprises.

2. Online banking needs to send a reminder for payment 10 days in advance.

According to the relevant regulations, in order to ensure that the payer is prepared for the due payment of the bill of exchange in advance, the bearer must send a payment reminder to the acceptor ten days before the electronic commercial acceptance bill is about to expire. If the bearer does not prompt within the prescribed payment period, it will lose its right of recourse.

3. After expiration, operate through online banking.

After the expiration of the electronic commercial acceptance bill, the bearer logs in to the corporate online banking, operates in the electronic bill column, finds the commercial acceptance bill of the due receivable, sends the collection information in the online banking, and then the other bank immediately remits the money to the corporate account after receiving the reply information.

The above three aspects are the operations that the holder of the electronic commercial acceptance bill should carry out during the maturity acceptance period. In the expiration of a few days of the electronic commercial acceptance bill, pay special attention to the time of sending out the prompt payment information, and must not exceed the time limit, otherwise the loss of recourse to the former hand will lead to losses.

Second, the advantages of electronic commercial acceptance bills.

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; 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.

In the first step, the user logs in to the corporate online banking account on the computer. The second step, after entering the page of online banking, find the electronic draft (some banks are different, or electronic acceptance, draft management), and find the relevant draft receipt button. The third step is to enter the query conditions, the bill to be received will appear, click the bill number to view the bill information; Click the receipt button, and the corporate online banking will take the initiative to jump to the confirmation page of the submission information.

Fourth, after confirming the relevant information, the electronic draft is discounted, click the OK button, prompt to select the certificate for verification, and confirm the submission; The whole process of signing for the receipt is basically completed.

Questions. If you don't have these processes, will the money be remitted to my account?

No, dear.

Questions. Thank you. You are welcome.

To open an electronic bill, you must first have online banking, and secondly, according to the bank's requirements, provide basic information such as business license, organization certificate, tax registration certificate, legal person ID card, etc., and fill in bank documents, the requirements of each bank are different. In addition, whether you are qualified to open a bank in the bank, such as whether there is a credit line, or 100% margin, etc., it is recommended to contact your cooperative bank for specific matters.

It is necessary to go to the bank to handle it and open permissions. The opening of electronic bank acceptance bills: 1, the application for electronic bank acceptance bills customer in the acceptance bank to open a settlement account 2, the electronic bank acceptance bill acceptance bank and the user signed the "electronic commercial draft business service agreement" 3, the customer fills in the "electronic commercial draft business application form", apply for the opening of electronic bill business 4, the electronic bank acceptance bill acceptance bank for the customer to open business functions, and make a digital certificate 5, the electronic bank acceptance bill acceptance bank and the user according to the type of business signed the corresponding agreement 6The customer specifically handles the electronic bank acceptance draft business.

1.Electronic bank acceptance draft handling process:

1. The customer who applies for the electronic bank acceptance bill opens a settlement account in the acceptance bank.

2. The electronic bank acceptance bank and the user sign the "Electronic Commercial Draft Business Service Agreement".

3, the customer fill in the electronic commercial draft business application form, to apply for the electronic bill business.

4. The electronic bank acceptance bill acceptance bank opens business functions for customers and makes digital certificates.

5. The electronic bank acceptance bank and the user shall sign the corresponding agreement according to the type of business.

6. The customer specifically handles the business of electronic bank acceptance bill.

Advantages of electronic bank acceptance draft:

Electronic bank acceptance draft is the inheritance and development of paper bank acceptance bill, electronic bank acceptance bill 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, payment and other bill business process completely electronic.

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;

The operation process of bank electronic acceptance draft generally includes four processes: endorsement, issuance, endorsement and checking.

Electronic bank acceptance bills are mostly operated in the bank's online banking, and the operation process of each bank has certain differences, and you can find the bill business in the menu bar.

The whole operation process of the bank electronic acceptance draft is as follows: endorsement process: bill of exchange Select bank acceptance draft Select endorsement transfer data Enter the endorsee information Confirm the information and submit it for review The reviewer review; Ticketing process:

Bill of Exchange Select Silver Bill Select Agreement Reviewer Review; Endorsement process: bill, electronic draft, endorsement transfer, select endorsement bill, endorsement; Check the process: bills, electronic drafts, right to sign, sign to view.

Electronic bank acceptance bill maturity cashing method: when the electronic acceptance draft is about to expire, take the relevant documents and information directly to the bank to guarantee the payment of cash. After the user successfully handles the bill at the bank, the status of the bill changes from prompt payment to prompt payment to be signed, indicating that the bill has been endorsed to the bill bank.

Within 10 days of the maturity date of the electronic acceptance bill, the status of the bill of exchange in the online banking will show the prompt payment, or initiate the payment application or other names, and then fill in the relevant information of the endorsement application, endorse to the ticket bank, and the issuing bank will pay to the account of the receiving company after receiving the endorsement.

There are two ways to collect electronic commercial acceptance bills that are about to expire: offline payment or online payment. ** In order to ensure that the payer is ready for the payment of the bill of exchange due in advance, the holder must send a payment reminder to the acceptor ten days before the electronic commercial acceptance bill is about to expire. If it is to choose ** on the operation, the electronic commercial acceptance bill expires, the bearer logs in the corporate online banking, in the electronic bill column operation.

Activation of e-bank acceptance draft: If a customer applies for e-bank acceptance draft business through corporate online banking, he/she should first apply to his bank to register as an online bank-cert customer. If you need to open the electronic bank acceptance draft business, please provide the following information:

The first certificate and copy of the enterprise organization, the ID card and copy of the legal person and the first 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.