What is the difference between a bank acceptance bill and a working capital loan? Please God Bank Acceptance Bill is a bill drawn by a depositor who opens a deposit account in an acceptance bank, applied to the bank and accepted by the bank, and guaranteed to unconditionally pay a certain amount to the payee or holder on the specified date. Working capital loan is a loan to meet your short-term capital demand in the process of production and operation and to ensure the normal production and operation activities. The difference is: 1, the occurrence of working capital loan must require the bank to release funds, while the rich customers will release the acceptance bill when it expires, and the bank will advance it when it is insufficient; 2, the term is also different, working capital loans are generally within one year, while bank acceptance bills are generally within 6 months; 3. The amount is also different. As long as the working capital loan meets the requirements, it is generally not restricted, while the bank acceptance bill does not exceed10 million yuan. 4. The purpose is also different. Working capital loans are used for the production and operation of enterprises, while bank acceptance bills need real commodity transactions. 5. The risk points are different. The risk of working capital loan is higher than that of bank acceptance bill.
What is the difference between a bank acceptance bill and a commercial acceptance bill? Commercial bills are divided into commercial acceptance bills and bank acceptance bills according to their acceptors. Commercial bills can only be used if there is a real transaction relationship or creditor-debtor relationship between legal persons who open accounts in banks and other organizations. Main clauses: 1. The issuance of commercial bills is based on legal commodity transactions, and the issuance, acceptance and discount of commercial bills without commodity transactions are prohibited. It is strictly forbidden to borrow funds from commercial bills and obtain discounted funds from banks. 2. All commercial bills are registered. Endorsement transfer is allowed. If the drawer or acceptor records the words "non-negotiable" on the bill of exchange, it may not endorse the transfer. If a guarantee is required, the guarantor must indicate the name and date of the guarantor on the bill of exchange or note. 3. The payment term of a commercial bill shall be agreed by both parties to the transaction, and shall not exceed six months at the longest. If payment is made by installment, a bill of exchange shall be issued separately. 4. The amount, date and name of payee of a commercial bill shall not be changed, and the changed bill shall be invalid. 5. The time limit for presentment payment of a commercial bill is 10 day from the due date of the bill. If the bill accepted by the bank exceeds the time limit for presentment for payment, the holder's bank will not accept it. A commercial acceptance bill that exceeds the time limit for presentment for payment may, after explaining it to the acceptor, request payment from the acceptor. 6. The accepting bank that accepts the bank draft must meet the following conditions: 1. The credit management level is the second-tier branch above Grade C (inclusive) and the city (city) branch above Grade B (inclusive), with perfect internal management and sound system; 2. It has a true entrusted payment relationship with the drawer; 3. Ability to pay the due fare. 7. The permission authority of bank acceptance bills shall be implemented in accordance with the loan approval authorization of the superior bank. The acceptance amount of each bill of exchange shall not exceed10 million yuan. 8. It is forbidden to sell, accept or discount blank bank acceptance bills. 9. The acceptance bank's signature on the bill of exchange is the special seal for the bill of exchange and the seal of the legal representative or its authorized agent. 10. If the payee or holder of a commercial acceptance bill entrusts his bank to present payment, he shall endorse the entrustment receipt. If it is not handled according to this regulation, the bank will not accept it. A bank acceptance bill is a bill issued by the payee or the applicant for acceptance. The applicant for acceptance applies to the bank where the account is opened, and the bank examines and agrees to accept it. After receiving the acceptance agreement and the purchase and sale contract filled out by the acceptance applicant, the accepting bank shall sign the "Review Sheet of Commercial Bill Acceptance and Discount Meeting" in turn by the relevant departments of credit, planning, accounting, etc., and think that one copy of the agreement shall be kept, and the other copy and triple draft shall be submitted to the accounting department for examination. If the acceptance amount exceeds the acceptance authority of the Bank, it shall be reported to the superior bank for approval according to the approval authority. Satisfied, please adopt.
What's the difference between stopping payment and freezing bank acceptance bills? Freezing can thaw. After thawing, the bill can still be effectively stopped, but it can no longer be paid.
What is the difference between state-owned shares and commercial banks in bank acceptance bills? State-owned shares refer to the equity formed by the investment of state-owned assets in limited companies. State-owned shares also include shares converted from existing state-owned assets when state-owned enterprises are transformed into joint stock limited companies. According to different investors, the shares of listed companies in China can be divided into state-owned shares, legal person shares and public shares. State-owned stock indexes have the right to invest in the company with state-owned assets on behalf of departments or institutions investing in the same family, including shares converted from the company's existing state-owned assets. Company stock index: A stock formed by an enterprise as a legal person or an institution or social organization with legal personality investing its legally operated assets in the unlisted shares of the company. At present, in the ownership structure of listed companies in China, legal person shares account for about 20% on average. A company is a place where goods are traded. It's called a firm, and now it's called an agent bank. The goods traded are complete and extensive.
How to write the bank acceptance bill exposure credit? Please tell me that the credit of bank acceptance bills is generally fixed for one year, which can be adjusted halfway. There is no such thing as exposure.
What's the difference between a letter of credit and an electronic bank acceptance bill? Letters of credit are commonly used in import and export trade, and electronic bank acceptance bills are commonly used in domestic trade.
Is there a difference between the central bank buying bank acceptance bills and the central bank discounting loans? Personally, I think that the central bank discount loan you mentioned refers to rediscount, that is, the discount bank discounts the unexpired discount draft to the People's Bank of China and obtains refinancing from the People's Bank of China by transferring the draft. And what you said about the central bank buying bank acceptance bills is a process of this behavior. In the open market business, the central bank buys and sells bonds and does not buy bills of exchange. I personally understand, please correct me if there are any mistakes.
What's the difference between posting bank acceptance bills and electronic checks? According to the different inquiry methods, the discount of bank acceptance bills can be divided into physical inquiry and electronic inquiry. Physical verification: the staff of the direct-post bank will hold the ticket to the drawer of the bank acceptance bill to make on-the-spot inquiry to verify whether there are other checks, loss reporting, freezing and payment suspension. , whether the face element is correct, and check the authenticity of the bill, and finally transfer the balance after deducting the discount interest to the discount method designated by the enterprise. Electronic inquiry: fax a copy of the face of the bank acceptance bill to the issuing bank for inquiry to verify whether there are other inquiries, loss reporting, freezing and suspension of payment. And whether the facial elements are correct. At the same time, send the ticket to the carrier to check the authenticity of the ticket, and finally transfer the balance after deducting the discount interest to the discount mode designated by the enterprise. Comparison: Compared with the actual survey, electronic survey saves time, collects more bills and has higher interest rate.
What is the difference between a bank acceptance bill and a domestic letter of credit? Similarity: 1. Both companies need to carry out low-risk credit in banks and occupy credit lines. 2. They are all financing behaviors in the context of trade. Poor: 1. There is no charge for opening a bank draft, but there is a charge for opening a letter of credit. 2. It is convenient to discount silver tickets, but inconvenient to discount letters of credit.
What is the difference between the bank acceptance bill market and the discount market? One is bank funds, and the other is private funds. Private equity funds are more convenient and faster, and the interest rate is lower, but there is no acceptance certificate.
2. What is the difference between bank acceptance bill business and bank loan?
Bank acceptance bill is actually a bank guarantee. A handling fee (five ten thousandths) is charged, and most of the deposits received need deposits from enterprises. If you need cash, you need a discount.
The loan is not explained and the interest rate is charged.
3. What is the difference between a letter of credit and a bank acceptance bill?
The difference between a letter of credit and a bank acceptance bill is mainly reflected in three points:
1. requires a different program. Letters of credit require documents to be consistent in order to get payment, while bank acceptance bills can be accepted as long as there is a bill.
2. The legal basis is different. Bank acceptance bills are based on the Bill Law, while letters of credit are based on the Settlement Measures of Domestic Letters of Credit.
3. The impact on corporate statements is different. Bank acceptance bills are included in the balance sheet, and letters of credit are reflected as off-balance sheet business.
4. What is the difference between bank acceptance bill business and bank loan?
The acceptance bill will not give cash at that time, and the loan will give cash to your account at that time. This is the biggest difference. Of course, there are many other reasons because of different product types.