Acceptance expiration certificate
Description of deferred collection
XXXX line:
At present, there is a bank acceptance bill accepted by your bank. The draft number is XXXXxxxx, the amount is xxXXXXXX, the date of issue is xxxx, the maturity date is xxxx, the drawer is xx-xxX-X company, the payee is xx-xxx-xxx company, and the paying bank is called XX-XX line.
Due to the mistake of our financial personnel, the above bill cannot be collected in time before the due date. If all economic disputes arise from this, our unit will take full responsibility. We hereby explain the reasons for the delay in collection and hope that your bank will accept it.
Xx-xxx-xxx-xxx-xx company
Xxxx year x month x day
Extended data:
Acceptance refers to the record that the holder requires the drawee to pay the bill before it expires. Unique bill of exchange system. The payer usually signs the bill on the front. The relationship between the drawer and the payer is entrusted, which does not mean that the drawer has to pay. In order to make the bill payable at maturity, the holder must present it to the drawee for acceptance.
The payer shall bear the legal responsibility for bill payment only after signing and accepting the bill. Before the drawee accepts the bill, the principal debtor is the drawer; After acceptance, the payer becomes the principal debtor, while the drawer and other endorsers are the subordinate debtors. When accepting a bill of exchange, the holder must actually present it, which is called presentation. A draft payable at sight needs no presentation for acceptance. A bill payable periodically after sight shall be presented for acceptance.
According to the Geneva Uniform Law on Bills of Exchange and Promissory Notes and the provisions of many countries' bill laws, participating in acceptance has the following basic characteristics.
1. Participating in acceptance is a subsidiary bill. This kind of behavior, like acceptance, is based on the legal completion of the act of issuing tickets; The content of this behavior also includes three elements of behavior: the record on the bill, the signature and delivery of the bill; The rules of behavior and recording are basically the same as the rules of acceptance, except for some special rules (such as participating in accepting sentences and names of participants).
2. Participation in acceptance is a bill act undertaken by the preparatory payer or a third party. According to the provisions of many countries' negotiable instruments law, the acceptor is in principle the preparatory payer designated by the drawer or endorser on the instrument (the designated record will obviously strengthen the credit degree of the instrument), but it can also be other third parties who have an interest in the debtor of the instrument with the consent of the holder. This kind of flexible rule in the negotiable instrument law of various countries is to protect the credit of negotiable instruments and the rights and interests of the third party in society to the maximum extent.
3. Participating in acceptance is a bill behavior for the benefit of a specific debtor. Judging from the practice of negotiable instrument law in various countries, the purpose of participants' participation in acceptance is to prevent or prevent the exercise of recourse by means of prior relief and safeguard the reputation and credit interests of a certain bill debtor; It is different from bill guarantee aimed at protecting the interests of the debtor with recourse. The recognition of participation in acceptance in many countries' bill laws reflects its purpose of fairly safeguarding the rights of the parties to the bill and protecting the credit of the bill and the interests of the third party in society.
(1) Acceptance is a unique accessory bill behavior.
(2) Acceptance can only be the bill behavior of the payer.
(3) Acceptance must be on the front of the bill.
References:
Baidu Encyclopedia-Acceptance