So what are the specific parts of the electronic commercial bill?
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1. Date of issue &; Maturity date of bill of exchange
The date of issue and the date of maturity of the bill of exchange record very critical information-the term. The date of issuance is the time limit for the core enterprise to issue to the supplier, not the purchase date of the investor. The maturity date of the bill is the date when the acceptor accepts and pays, and it is also the date when the investor pays due (within the regular target, if the bill expires, a new unexpired bill will be automatically added).
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Second, the status of bills is actually a very complicated issue. There are dozens of bill states. For example, when a core enterprise issues a bill to a supplier, it will display "Prompt for receipt to be signed" and "Prompt for receipt to be signed"; When the holder transfers this ticket, "Endorsement to be Signed" and "Endorsement Signed" will be displayed; When payment is due, we will prompt for payment. At this time, the face will display: "Prompt for payment to be signed" and "Prompt for payment to be signed" ... For example, the bill shows: Endorsement to be signed. This means that the financing enterprise has completed the transfer process.
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Third, the bill number
The "electronic draft number" of an electronic commercial bill is divided into five parts with 30 digits, all of which are composed of Arabic numerals. The specific structure is as follows: the bill number of a sample bill is1/907452000016/20091028/00000039/5. The bill type "1" stands for silver bill and "2" stands for commercial bill; The bank number of the payment system is the bank number of the acceptor bank, and careful friends can see that the bank number of the acceptor bank is 12 digits; The date of issue is mentioned at the beginning; The running water of the day is the only running number of ECDS, and this number is random, so we need to desensitize it. The check code is automatically generated by the system to check the check and prevent input errors.
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Four. Drawer and payee
The relationship between the drawer and the payee can be understood literally. What needs to be put forward is that the drawer and acceptor are not necessarily the same person, but it may be that A issues the ticket and B accepts it. The ticket collector and the financing enterprise may not be the same enterprise, because after receiving the ticket, the ticket collector may have to pay to other accounts and endorse the ticket to other enterprises.
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5. Acceptor The acceptor is one of the core information of this bill, and the acceptor is the due payer. We are most confident that our repayment sources are all well-known listed companies in the market, and our risk control is mainly to control the entry threshold of the acceptor's white list. In the column of acceptance information, there is the information of promised payment, which records that this draft has been accepted and paid unconditionally at maturity.
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6. The full amount of the bill needs to be reminded that the full face value is not the full amount of the loan of the financing enterprise, but the amount that needs to be paid at maturity. On the basis of full payment, the loan amount will be discounted by several percentage points according to the term.
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7. Whether this label can be transferred is the key to whether the bill can be transferred. Generally, there are two labels: "transferable" and "non-transferable", which will be clearly recorded when the ticket is issued. "Non-negotiable" means that the holder can only hold it at maturity and cannot discount financing in various institutions.
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Eight. Rating information rating information is blank at present, but it will become important information in the bill market in the future. At present, information such as issuance, guarantee and acceptance are stored in the ECDS system of the central bank. After the rating system is perfected, independent subject ratings of drawer and acceptor will be made according to data such as acceptance amount, acceptance balance, overdue rate and refusal to accept.