1. The applicant submits an application for accepting business.
2. The account manager carries out credit issuance.
3. Review the trade background (purchase and sale contracts and invoices) of the buyers and sellers within the credit line.
4. Acceptance shall be carried out after examination and approval.
5. Prompt payment before the acceptance bill expires.
1. Commercial paper pledge loan form of microfinance company
Small loan companies can't discount bills directly, so they basically use the commercial bill pledge loan operation, that is, when the bill receiving company requests a loan from the small loan company, it pledges its commercial bill endorsement to the small loan company, and the small loan company entrusts the bill receiving bank or reminds the payer through the bill exchange system before the maturity.
According to the provisions of Article 203 of the Measures for Payment and Settlement, when the payee handles the entrusted collection, he shall submit the entrusted collection voucher and related debt voucher to the bank. In practice, the materials to be submitted for the due collection of commercial bills vary from bank to bank, and the company's financial personnel can consult the bank for the relevant materials for preparing the collection procedures. If an e-commerce acceptance form is issued, no other materials need to be submitted.
2. The buyout form of the bill receiving right of the guarantee company
Although the guarantee company can't directly carry out financial affairs, it can provide loans to the demanders who hold commercial bills by means of entrusted loans, or it can operate by purchasing the proceeds of bills through national or local financial and property rights trading channels.
Specifically, after registering as a member in the financial third-party channel, the ticket-receiving enterprise will list commercial tickets in its channel and sign a property right transfer agreement. The guarantee company buys out the bill income by delisting, then signs the property transfer agreement, and then the bill-receiving enterprise and the guarantee company sign the legal documents such as the creditor's rights transfer agreement and the guarantee agreement offline and submit them for review, thus ending the delisting.
3. Debt Transfer Form of Factoring Company
Due to the "negotiorum gestio" feature of commercial bills of exchange, more and more commercial factoring companies are willing to use commercial acceptance bills to solve the problem of difficult confirmation of accounts receivable. The general practice of factoring companies in commercial bill transactions is to sign an' accounts receivable factoring contract' with the bill-receiving enterprise and complete the procedures such as notification of accounts receivable transfer, which constitutes the factoring relationship of accounts receivable creditor's rights transfer. On this basis, if it is stipulated in the basic contract that the commercial bill is the payment and settlement method, the commercial bill shall be endorsed and transferred to the factoring company at the same time.