What is Back Fly and Hit Fly?
How to avoid pitfalls in the discounting of acceptance bills, especially in the face of back flying and flying, what are the preventive measures? The back and flying of electric bills refer to the two kinds of risk behaviors that exist in the transaction of electronic bills, which may lead to the loss of funds.
The negative flight of the electric ticket refers to the situation that the bearer fails to receive the payment from the endorsee in time after transferring the endorsement of the bill to the endorsee, resulting in the situation that the ticket is empty.
For example, company A has a bill of exchange to trade with company B, and company B asks company A to carry the bill to its account for its own safety.
However, when company A recited the ticket to company B, it never received the payment from company B.
The electric ticket flying means that the bearer requires the endorsee to pay to his account first, and then endorses the bill to the endorsee, but after the holder receives the money, he no longer endorses the bill to the endorsee, resulting in the endorsee's funds being defrauded.
For example, if company A has a bill of exchange and trades with company B, company A asks company B to make a payment to its account first, and after receiving the money, it endorses the bill of exchange to company B's account.
However, when Company B made the payment, it never received the invoice from Company A.
How to prevent it?
In the bill discounting activity, in order to prevent the risk of electric bills flying back and flying, the following four measures can be taken to prevent it.
1. Strengthen risk prevention and control and improve their own risk awareness. Don't easily trust unfamiliar third-party institutions or individuals to provide bill transactions. Choose a formal institution or platform for transactions, and pay attention to the protection of personal information to avoid being associated with abnormal transactions.
2. Adhere to the principle of simultaneity. When carrying out the endorsement and payment of bills, the principle of simultaneity must be adhered to, that is, it is indicated on the agreement, and after the endorsement or payment, it is required that within the specified time, the payment must be returned or the bill must be endorsed, so as to avoid the separation of funds and bills.
3. Formulate laws and regulations to improve the function of the electronic ticket system. For example, when two enterprises endorse bills, the bills and bills can only be delivered after the payment and endorsement are completed.
4. Apply blockchain technology. Blockchain technology can strengthen the security of bill transactions, and realize the docking with the payment system by building a transaction method of "on-chain confirmation and settlement", further eliminate the back and flying of bills, and at the same time eliminate some of the intermediary chaos in the current bill market as much as possible.
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