In order to cooperate with and vigorously support the healthy development of enterprises, any enterprise legal person and other organizations that are legally engaged in business activities as long as they have complete licenses and legal activities can apply to the bank for professional bank acceptance draft business.
How does the company open a bank electronic acceptance draft and what conditions need to be met
However, it should be noted that the applicant should strictly implement the relevant national laws and regulations when handling the transaction, and the enterprise must be based on the real and legal commodity transaction or labor transaction relationship, and at the same time, it should be clearly indicated in the transaction contract signed with it that the acceptance bill is used as the settlement tool and method. So Tianxiatong Commerce believes that when an enterprise applies for bank acceptance bill business, what conditions do it need to meet before it can easily open the business?
1. First of all, it is necessary to ensure that it has been registered with the local administrative department for industry and commerce, and is engaged in operation in accordance with the law during the business period, holds a valid business license for annual examination, and conducts independent economic accounting before the enterprise legal person can respond to the application for bank acceptance bill business.
2. The applicant enterprise must open an independent account for settlement in the bank, and the enterprise account is required to have more than two years of settlement business transactions.
How does the company open a bank electronic acceptance draft and what conditions need to be met
3. The applicant for the acceptance of the bank acceptance bill business and the payee of the bill of exchange must have a real and legal commodity and labor transaction relationship, otherwise the bank will not handle the acceptance business.
4. The enterprise should have a real entrusted payment relationship with the bank applying for business opening.
5. The enterprise must have good credit, and at the same time, the enterprise must also have a reliable source of funds for the payment of bills, as well as the ability to pay for funds.
6. Finally, the applicant enterprise must have a deposit of not less than 50% of the face amount of the bank's acceptance bill business in the bank's account, and the principle of special account management should be implemented for this fund. At the same time, in terms of the amount of exposure risk, that is, the balance of the bill of exchange after excluding the margin, the enterprise should provide a guarantee scheme that the bank agrees to accept.
How does the company open a bank electronic acceptance draft and what conditions need to be met
Through a brief introduction to the above six aspects, enterprises should have a preliminary understanding of some basic conditions that need to be met to apply for bank acceptance bill business. Through the application and reasonable use of the highly evaluated bank acceptance bill business, it is possible to provide enterprises with more convenient capital exchanges, but remember to pay attention to the bank acceptance bill that is prohibited from handling no commodity transactions and labor transactions when applying.
(Tianxiatong Commerce - your personal bill expert, the pioneer of bill Q&A, no longer confused in the face of commercial bill financing)