Port communicationThe overall process of commercial acceptance bill from issuance to payment：(1)issue money order。Commercial acceptance bills shall be issued in accordance with the agreement between the two parties.，Can be issued by the paying unit。Can also be issued by the payee。Commercial acceptance bill in triplicate，The first link is a card，by the acceptor(payment unit)retain;The second page is a commercial acceptance bill，The payee's bank will send a subpoena attachment to the payer's bank along with the settlement voucher.;The third link is the stub link，Checked by the issuer。
Commercial acceptance bills are accepted by the paying unit。When the payment unit accepts the payment，No need to fill in the acceptance agreement。Not through banks either，Therefore, there is no need to pay handling fees to the bank，Just sign the word "Acceptance" on the front of the second page of the commercial acceptance bill and stamp it with the seal of the reserved bank.，Hand over to the collection unit。Commercial acceptance bill issued by the payee，The payment unit should be paid first for acceptance.，Then hand it over to the collection unit for special custody.。(2)Entrust a bank to collect payment。
As a payee，Calculate the mailing distance from this unit to the bank where the payer has an account，before the bill of exchange matures，Entrust a bank to collect payment in advance。When entrusting a bank to collect payment，The "Entrusted Collection Voucher" in five copies should be filled in，Indicate the words "Commercial Acceptance Bill" and the bill number in the "Name of Entrusted Collection Voucher" column.。After stamping the official seal of the payee on the back of the second copy of the commercial acceptance bill，Send it to the bank where the account is opened。
The bank where the account is opened will handle the relevant collection procedures after review.，And return the first copy of the stamped "Entrusted Collection Voucher" to the receiving unit for storage.。(3)Payable upon maturity。Commercial acceptance bill expires，When the payment unit’s deposit account has no funds or insufficient funds for payment，The bank where the paying unit holds an account will charge a penalty of 5% of the face value of the commercial acceptance bill according to regulations.，If the amount is less than 50 yuan, it will be charged 50 yuan.，And notify the paying unit to return the entrusted collection voucher and the attached commercial acceptance bill。
The paying unit shall return the fifth copy of the entrusted collection voucher and the third copy of the commercial acceptance bill to the bank where the account is opened within 2 days from the day after receiving the notice.。
After the bank where the paying unit holds an account receives the entrusted collection voucher and commercial acceptance bill returned by the paying unit,，The words "no payment" should be marked in the "Transfer Reason" column on the third and fourth pages of the entrusted collection voucher and stamped with the official seal of the bank.，Return the money to the bank where the payment was made and transfer it to the receiving unit.，The receiving unit and the paying unit will then negotiate on their own regarding the settlement of the ticket.。
If the financial department of the paying unit has processed the fifth copy of the entrusted collection voucher and the second copy of the commercial acceptance bill and cannot return them,，You can fill in two copies of the "Proof of Account Payable"，Send the first link to the bank where the paying unit has an account。It will be returned together with other vouchers to the bank where the payee has an account and then transferred to the payee.。as payment unit，When a commercial acceptance bill is returned due to inability to pay，A transfer voucher should be prepared，Convert notes payable to accounts payable。
This article is published by Shenzhen。
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