Bank acceptance process: customers apply for bank acceptance; After the bank agrees to accept, it signs an acceptance agreement with the customer and sells the bank acceptance bill to the customer; The issuing customer issues a bank acceptance bill with the reserved bank seal; The customer pays the handling fee; Receiving accepted bank acceptance bills; Circulation and use of bills of exchange; Payment request During the payment period, the payee handles the entrusted payment with the bank acceptance bill and collects the ticket money from the acceptance bank.

legal ground

Article 42 of the Negotiable Instruments Law of People's Republic of China (PRC).

When accepting a bill of exchange, the drawee shall record the word "acceptance" and the date of acceptance on the front of the bill and sign it; A bill payable periodically after sight shall record the date of payment at the time of acceptance.

If the date of acceptance is not specified on the bill of exchange, the last day of the period specified in the first paragraph of the preceding article shall be the date of acceptance.

Article 43

The drawee shall unconditionally accept the bill of exchange; Conditional acceptance shall be deemed as refusal to accept.

Article 44

After accepting a bill of exchange, the drawee shall bear the responsibility for payment when due.