A promissory note is a bill that cannot be collected before the specified date. A credit certificate issued by the debtor containing a certain amount and promising to unconditionally pay the amount to the creditor within the agreed time limit. The debtor is the drawer and the creditor or the holder is the payee. Once a promissory note is issued, the drawer has the obligation to pay absolutely. If the payment is not made at the due date, the payee has the right to resort to the court.
A commercial bill is a bill issued by the drawer, which entrusts the payer to unconditionally pay a certain amount to the payee or holder on a specified date. Commercial acceptance bills are accepted by drawees other than banks. Commercial acceptance bills are issued by the sales enterprises or purchasing enterprises agreed by both parties to the transaction, but accepted by the purchasing enterprises.
What's the difference between a commercial bill and a commercial acceptance bill? Commercial bills are divided into bank acceptance bills and commercial acceptance bills.
What is the difference between a commercial acceptance bill and a bank acceptance bill? A commercial bill is a bill issued by the drawer and entrusted to the payer to pay unconditionally to the payee or holder on a specified date. According to different acceptors, commercial bills can be divided into commercial acceptance bills and bank acceptance bills. Bills accepted by banks are bank acceptance bills, and bills accepted by enterprises and institutions other than banks are commercial acceptance bills.
1. The characteristics of bank acceptance bills are: there is no limit on the starting point of the amount;
The drawee is a bank;
The drawer must open a deposit account in the acceptance (payment) bank;
The payment period is as long as 6 months;
Can be discounted;
Can be transferred by endorsement.
Two, the characteristics of commercial acceptance bills are as follows: there is no limit to the starting point of the amount;
The drawee is the acceptor;
The drawer can be the payee or the payer;
The payment period can be as long as 6 months;
Can be discounted;
Can be transferred by endorsement;
Three. When a bank accepts a bill of exchange due, if the purchasing enterprise fails to pay in full, the accepting bank will treat it as an overdue loan according to the acceptance agreement and charge a penalty interest. The bank will pay the ticket holder and recover the payment on time. When the commercial acceptance bill expires, there is not enough money in the account. The bank is not responsible for the payment, which is handled by the buyer and the seller themselves.
Fourth, it is especially reminded that the payer of a commercial acceptance bill is an ordinary enterprise and institution, and there is no need to pay a deposit in the bank, and the bank has no obligation to accept it. Commercial acceptance bills are based entirely on the commercial credit of enterprises.
The difference between commercial acceptance bill and bank acceptance bill of UFIDA T6 software is very simple. Commercial acceptance means asking the billing company for money when it is due. If the billing company has no money or goes bankrupt, you may not get a sum of money, and commercial acceptance has certain risks.
Bank acceptance bills are paid by the bank at maturity, and the bank pays unconditionally after maturity.
What is the difference between a commercial acceptance bill and a bank acceptance bill? In China, there are two kinds of money orders. One is a bill issued by a bank, which is called a bank draft. The other is a draft signed with enterprises, institutions, organs and organizations other than banks, which is called a commercial draft. Commercial bills are divided into commercial acceptance bills and bank acceptance bills.
A bank draft is a draft issued by an issuing bank and unconditionally paid to the payee or holder according to the actual settlement amount at sight. It can be used to transfer money, and those with the word "cash" can also be used to withdraw cash.
Registered name; Allow transfer; The term of immediate payment is one month.
Bank acceptance bills are accepted by banks. A bill signed by the drawer and accepted by the acceptor, which entrusts the payer to unconditionally pay a certain amount to the payee or holder on a specified date. The payment period shall be agreed by both parties to the transaction, and the longest period shall not exceed 6 months. So the difference between bank draft and bank acceptance draft is roughly as follows:
The drawer is different, the drawer of the former is a bank, and the drawer of the latter is not specific.
2. The former means that the payer deposits the money in the bank first, and how much the payer deposits in the bank and pays. The latter is that even if the money deposited by the payer is not enough to pay the face value, the bank will pay the payee in full first, and then recover from the payer.
3. The acceptance period is different.
What are bank acceptance bills and commercial acceptance bills? A bank acceptance bill is a bill in which a depositor opens a deposit account in an acceptance bank, applies to the bank, and is examined and accepted by the bank to ensure unconditional payment of a certain amount to the payee or holder on a specified date. Accepting a commercial bill issued by the drawer is the credit support given by the bank based on the recognition of the drawer's credit standing.
Conditions of drawer of bank acceptance bill
(1) Legal persons and other organizations that open deposit accounts in the accepting bank;
(2) It has a true entrusted payment relationship with the accepting bank;
(3) Can provide a legally binding purchase and sale contract and its VAT invoice;
(4) It has sufficient payment ability, good settlement record and settlement reputation.
(5) Good credit relationship with banks, no loans overdue record.
(6) Can provide corresponding guarantee, or deposit a certain percentage of deposit as required.
(7) The drawer has a good credit guarantee.
Advantages of bills
1. For the seller, providing advance payment to existing customers or new customers can increase sales and improve market competitiveness.
2. For the buyer, using forward payment to buy more goods with limited funds can minimize the occupation and demand for working capital and help expand the production scale.
3. Compared with loan financing, it can significantly reduce financial costs.
application area
Suitable for all kinds of state-owned enterprises, private enterprises, medical and health institutions, schools and other units with real trade background and deferred payment needs.
A commercial bill is a bill issued by the drawer, which entrusts the payer to unconditionally pay a certain amount to the payee or holder on a specified date. Commercial acceptance bills are accepted by drawees other than banks. Commercial acceptance bills are issued by the sales enterprises or purchasing enterprises agreed by both parties to the transaction, but accepted by the purchasing enterprises.
trait
1. The longest payment period of a commercial acceptance bill shall not exceed 6 months.
2. The time limit for presentment payment of a commercial acceptance bill is 10 day from the maturity date of the bill.
3. Commercial acceptance bills can be transferred by endorsement.
4. When the holder of a commercial acceptance bill needs funds, he can apply to the bank for discount with the unexpired commercial acceptance bill.
5. Applicable to settlement in the same city or in different places.
Important attribute
1. Discounted amount: the actual discounted amount is calculated by deducting the interest from the discount date to the day before the bill expires.
2. Term: The discount period of commercial acceptance bills shall be from the date of discount to the maturity date of bills, and the longest period shall not exceed 6 months.
3. Interest rate: The discount rate is generated by adding percentage points to the rediscount rate, and the range of adding percentage points is determined by the People's Bank of China. The discount rate of commercial acceptance bills is generally higher than that of bank acceptance bills, but it does not exceed the loan interest rate for the same period.
What is a commercial acceptance bill? Watchdog wealth answers for you:
Commercial acceptance bills are accepted by drawees other than banks. Commercial acceptance bills are issued by sales enterprises or purchasing enterprises, and accepted by purchasing enterprises with the consent of both parties to the transaction:
(1) the acceptor and the acceptance and payment unit of the commercial acceptance bill itself; Bank acceptance bill acceptor paying bank.
(2) Liability of the payer's account bank The payer's account bank shall be liable for payment when the payer has no money to pay the commercial acceptance bill on the same day; The drawee of a bank acceptance bill bears the responsibility for payment.
(3) The risk of the payee's collection is the same as that of the payee's inability to collect money on the deposit date under the settlement method of commercial acceptance bills; The risk that the payee can't collect money on the deposit date under the settlement method of bank acceptance bill.
Commercial bills can be divided into commercial acceptance bills and bank acceptance bills. Commercial acceptance bill guarantee refers to the act of granting credit to enterprises that meet the requirements of banks by promising to discount the commercial acceptance bills issued or held by them in the form of letters. As can be seen from the definition, the commercial acceptance bill sticker is a credit line issued by the bank to the enterprise, which can be recycled within the line. The enterprise applying for the guarantee amount can be the acceptor, holder or discount applicant of the bill. After obtaining the credit line guaranteed by the bank, the credit undertaker can attach a bank guarantee to the commercial acceptance bill issued or held by the bank, and the bank will guarantee the discount. When the holder submits the bill discount to the bank, the bank will finance it after deducting the interest.
The main function is to strengthen the liquidity and liquidity of bills through the promised discount of banks. Compared with bank acceptance bills, the payer of commercial acceptance bills is generally an enterprise. Because China's commercial credit system has not been fully established, it is more difficult to discount commercial acceptance bills than bank acceptance bills, and it is difficult for holders to accept them. If the bank puts a guarantee sticker on the commercial acceptance bill, the holder can get the promise of bank discount and can apply to the bank for discount before the bill expires. After the bill expires, the bank will prompt the acceptor to pay. Therefore, the acceptability of commercial acceptance bill with protection letter is greatly improved, which can be regarded as bank acceptance bill in basic function and can be used as an important credit tool for enterprise financing payment.
Commercial acceptance bills can be signed by both the payer and the payee. Sample commercial acceptance bills According to different acceptors, commercial bills can be divided into commercial acceptance bills and bank acceptance bills. Commercial acceptance bill refers to the bill issued and accepted by the payer or the bill issued and accepted by the payee. Commercial acceptance bill A bill accepted by a payer other than a bank.
12. Commercial bills are divided into commercial acceptance bills and bank acceptance bills according to (). c