Among them, the discount days are calculated from the discount date to the maturity date of the bill of exchange, according to the actual days, excluding the head, and the bill of exchange in different places is increased by three days.
For example, we received a bank acceptance bill dated 2010-8-11+0 yuan. The maturity date of the draft is 20 1 1-2- 13. The annual interest rate is 3.65%, and I want to discount the draft of 20 10-8- 16. How to calculate the interest to be posted?
455421* 3.65% *181/360 = 8357.6438+0 yuan.
Daily discount rate = monthly discount rate ÷30 or annual discount rate ÷360
Actual paid amount = face amount-discounted interest
If the acceptor is in a different place, the discount, rediscount, rediscount period and discount interest shall be calculated with 3 days' transfer time.
Payment method of discount interest:
In order to ensure that the buyer can pay the discount interest in full and on time, the payment of discount interest should be made clear by providing a letter of commitment or signing a tripartite agreement.
1, the buyer provides a letter of commitment. The buyer shall submit the letter of commitment to pay the interest on the draft and a copy of the commercial draft payable by the buyer to the buyer's bank. The buyer's bank will only pay the buyer's interest on the commercial draft specified in the letter of commitment.
2. The way for the buyer, the seller and the discount bank to sign the tripartite agreement on the discount of the buyer's interest-bearing bills.
Specific payment of discount interest:
There are three ways to deal with the discount interest payable by the buyer: one is to deposit the discount interest payable in full into the buyer's interest margin account; Second, on the discount date, the confirmed discount interest will be transferred to the designated account of the bank; The third is to verify the credit line payable for discounted interest.
In the way of approving the credit line, the buyer's bank will calculate the discount interest payable by the buyer according to the total amount of the draft listed in the interest commitment letter and report it to the bank for credit approval. After approval, the original interest commitment letter and the copy of the acceptance bill shall be kept by a special person for inquiry by the discount bank; If the approval fails, the above materials shall be returned to the buyer. When the discount bank deducts the discount interest, if the funds in the account designated by the buyer are insufficient, the buyer's bank will pay the discount interest on its behalf and conduct accounting and management according to the overdue loan.
Banks decide whether to accept the business after examining the credit status of buyers and sellers and whether they have real trade background and the authenticity and validity of commercial bills. Commercial bills under this business can be endorsed, transferred, re-posted and re-discounted.
Through reading the above contents, we know that the discount interest calculation formula involves three values: discount amount, discount days and daily discount rate. Bian Xiao reminded everyone to pay attention to the correct substitution of numerical values when using publicity calculation to prevent mistakes. If you have other legal questions you want to know, you may wish to log in and find a free online consultation.