E-commerce acceptance is based on electronic commercial bill system, which is different from paper commercial acceptance bill in operation and has certain particularity. Two. How to accept an electronic commercial bill in e-commerce acceptance If the bill acceptor receives a demand for prompt payment after the bill expires and still fails to respond on the third day after receiving the request (in case of legal holidays, non-business days of large payment system or extension of non-business days of e-commerce system), access banks and access finance companies should follow the service agreement for electronic commercial bill business signed with the acceptor. The following treatment should be performed: 1. If the balance of the acceptor's account is enough to pay the fare when the electronic commercial bill system is closed on the same day, it is deemed that the acceptor has agreed to pay, and the access bank and the access finance company will deduct funds from the acceptor's account to pay the fare, and make a payment response and sign on behalf of the acceptor the next day (in case of legal holidays, non-business days of the large payment system or extended non-business days of the electronic commercial bill system); 2. If the balance of the acceptor's account is insufficient to pay the fare when the electronic commercial bill system is closed on that day, it will be deemed as the acceptor's refusal, and the access bank and the access finance company shall make a refusal response and sign for it on behalf of the acceptor the next day (in case of legal holidays, non-business days of the large payment system, and non-business days postponed by the electronic commercial bill system). Attention should be paid to the pledge business of electronic commercial bills: unexpired bills can be used as pledges; There are no "non-negotiable" items in the bill. When other parties handle the endorsement and pledge business of paper commercial bills, they may entrust the bank or the financial company of the bank to inquire about the relevant information of the bills through the electronic commercial bill system. The discount rate is the price at which the bill discounter obtains funds, which is mainly determined according to the financial market interest rate. The discount rate fluctuates on the basis of the current rediscount rate of the People's Bank of China. The discount rate is the market price, which is determined by both parties through consultation, but the maximum discount rate cannot exceed the current loan interest rate. 3. How to circulate electronic commercial bills? Electronic commercial bills complete the circulation of bills electronically. The main circulation nodes include customers of enterprises and institutions, deposit banks or finance companies, and the electronic commercial bill system of the People's Bank of China. Each circular behavior generally includes two actions: behavior application and behavior reply. Behavior reply includes signing (agreeing to behavior application) and refusing (rejecting behavior application). The electronic commercial bill system also supports the cancellation operation initiated by the applicant, and the cancellation operation of the applicant and the reply operation of the recipient are handled according to the principle of time priority and first come, first served.

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Measures for the Administration of Acceptance of Electronic Commercial Bill Business Article 34 There are the following ways to accept electronic commerce: (1) The debtor in the real transaction relationship or the creditor-debtor relationship issues and accepts it; (2) It is issued by the debtor in the real transaction relationship or the creditor-debtor relationship and accepted by a third party; (three) issued by a third party, and accepted by the debtor in the real transaction relationship or creditor-debtor relationship; (four) issued by the payee, and accepted by the debtor in the real transaction relationship or creditor-debtor relationship.