I. Other functions of electronic acceptance bills
Although electronic acceptance bills can only be transferred online, their functions are the same as those of paper acceptance bills, and they all have corresponding functions such as acceptance, delivery, endorsement, pledge, discount and cash transfer. When posting, we can open the list of previously received bills, select the corresponding electronic acceptance bills, and print them directly on the computer as posting vouchers. Also remind everyone that paper bills should be printed in time after they are received.
2. What is the operation process of bank acceptance bill?
(1) application conditions
1, an enterprise legal person or other organization registered in the local administrative department for industry and commerce, engaged in business activities according to law, holding a valid annual business license and carrying out independent economic accounting.
2. Open a settlement account in a credit cooperative (in principle, it is required to open a basic settlement account) and have settlement business for more than two years.
3. There is a real and legal commodity trading relationship between the acceptance applicant and the payee of the bill of exchange.
4. There is a real entrusted payment relationship with the credit cooperatives.
5. Good reputation, reliable sources of funds and the ability to pay the fare.
6. We must keep a deposit of not less than 50% of the face value of the draft, and implement special account management. At the same time, it provides the guarantee of exposure risk that the credit union agrees to accept, that is, the balance of the bill amount after deducting the deposit.
(2) Handling requirements
1, with a minimum deposit of not less than 50%;
2. The longest period for issuing bank acceptance bills shall not exceed 6 months;
3. The asset-liability ratio of the drawer shall not exceed 70%;
4. Charge the drawer a one-time acceptance fee of 5‰ of the bank acceptance bill;
5. Bank acceptance bills shall be uniformly examined and approved by county-level associations in accordance with the authority of short-term loans and single household balances. Beyond the authority, report to the office or provincial association.
Three. Information required for application
1, fill in the application for bank acceptance bill business; The balance sheet, income statement and cash flow statement of the last three years and the current period audited by the accounting (auditing) firm. Enterprises established less than three years ago shall provide financial and accounting statements for the same period.
2. The originals and photocopies of the commodity trading contracts, VAT invoices, freight vouchers and other documents on which the application is accepted. Copy or photocopy of business license of enterprise as a legal person and annual inspection certificate; Copy of national tax registration certificate and annual inspection certificate.
3. Articles of Association, a formal document for applying for opening an acceptance bill after deliberation by the board of directors or shareholders' meeting.
4. A copy of the identity certificate of the legal representative, responsible person or agent.
5. Check the signature samples of the legal representative, responsible person or agent.
5. Annual inspection and inquiry code of loan certificate.
Fourthly, the acceptance of electronic acceptance bills.
If a company wants to receive an electronic acceptance bill from another company, it needs to provide its full name, bank account number, bank and bank line number to the other company. After providing all the information, you can receive the electronic acceptance bill. In addition, the endorsement company can choose to cancel before the receiving company signs for it; However, after the receiving company signs for it, the endorsement company cannot be revoked. Endorsement mentioned here refers to the act of the holder to record relevant matters and sign on the back of the bill or on a sticky note in order to transfer the rights of the bill to others or grant some rights to others to exercise.