When doing business, the biggest fear is not getting paid. Circulating “IOUs” such as acceptance bills make many companies both love and hate them.
In recent years, there has been constant chaos in acceptance bills, with counterfeit bills flying everywhere. There are also many small and medium-sized enterprises that are unable to obtain discounts from banks due to insufficient conditions. You can only find private financial institutions for discounts, and the discount costs are constantly increasing. The original 2 million tickets may only be 1.5 million after discounting.
Therefore, the call for #Cancel Acceptance Bill# is getting louder year by year.
The two sessions focus on the proposal to cancel acceptance bills!
As early as 2019, Liu Xuemin, a representative of the National People’s Congress, proposed: After analyzing the financing difficulties and expensive financing problems of private enterprises and small and micro enterprises, and analyzing the impact of the use of bank acceptance bills on the profits of the real economy, it is recommended to comprehensively Cancel acceptance bills, including bank acceptance bills and commercial acceptance bills.
In this year’s two sessions, the issue of acceptance bills was mentioned again. Ma Yushan, a representative of the National People’s Congress, said that the development of small, medium and micro enterprises is restricted by problems such as rising raw material prices, rising labor costs, difficult and expensive financing, and chaos in acceptance bills. Among them, the discount cost of acceptance bills is relatively high, which reduces the profits of enterprises. At the same time, due to the restrictions on bank discount requirements, it increases the financial costs and risks of small, medium and micro enterprises.
In view of the various disadvantages caused by acceptance bills, Ma Yushan, a representative of the National People’s Congress, once again suggested: Stop issuing new acceptance bills and maintain the existing circulation of bills. The use and circulation of acceptance bills may be phased out by methods such as no further issuance after maturity.
This is not the first time that the cancellation of acceptance bills has been proposed. After this proposal, can acceptance bills really be banned?
Cannot be redeemed and counterfeit bills are prevalent! The acceptance bill becomes an invalid IOU!
In recent years, many companies have been deceived by acceptance bills! Some companies failed to pay their acceptance bills on time, and some companies were implicated in the outflow of false acceptances due to the leakage of their official seals.
To receive a money order and be unable to cash it is tantamount to murder for a company! In 2018, the acceptance bill incident of Baota Petrochemical is still fresh in our minds. Baota Petrochemical plans to go through bankruptcy proceedings, many subsidiaries have been canceled, industrial assets have been frozen, and bills payable are as high as 16.4 billion yuan! How many ticket holders are unable to recover their accounts and are crying without tears.
In 2019, China Construction Sixth Engineering Bureau was once used by criminals to issue a large number of acceptance bills in its name. China Construction Sixth Engineering Bureau had no choice but to issue a statement to clarify the facts. In July of the same year, China Railway No. 2 Bureau also encountered the situation of invoices being issued in the name of others. China Railway No. 2 Bureau immediately issued an emergency announcement to clarify the situation. Large enterprises cannot avoid being issued false invoices, which undoubtedly increases the risk of small and medium-sized enterprises receiving fake invoices.
The current electronic acceptance bill is still the mainstream, the scale of invoicing has reached new highs again and again, and the risk of counterfeiting has also increased. In order to seek benefits, criminals use Some companies use loophole invoicing to commit fraud. Many companies are unable to distinguish the authenticity of bills of exchange, and the acceptance bills they receive become invalid IOUs, causing them to suffer losses.
Lightning rod! These tickets must not be collected!
When many companies collect bank acceptance bills, they will encounter some unstandardized bills or even counterfeit bills, causing losses to the company. Note that bank acceptance bills with the following characteristics cannot be collected:
Problems with acceptance bills
1. The endorser’s signature is unclear;
2. The seam seal at the connection between the money order and the adhesive slip is not clear;
3. The seam seal at the connection between the money order and the adhesive slip is in the wrong position. The correct approach is that the seam at the connection should be worn when stamping. Pass the center of the saddle seal;
4. The saddle seal overlaps with the previous endorser’s signature;
5. The endorser’s signature is stamped outside the endorsement column;
6. The name of the endorsee is incorrectly written, or has been altered, or is not written in the endorsee column;
7. Endorsements are discontinuous: such as the signature of the endorser and the previous signature The name or signature of the endorsee is inconsistent;
8. The face of the money order is seriously stained, causing some writing on the face and the signature and seal cannot be clearly discerned;
9. The face of the money order is damaged or Torn;
10. The handwriting on the bill of exchange is not clear enough or has been altered;
11. The face items of the bill of exchange are incompletely filled in;
12. The face amount of the bill of exchange The size is inconsistent;
13. The date of issue and expiration date of the bill are not capitalized or are not standardized;
14. The acceptance period exceeds 6 months; 15. The signature of the drawer The seal is inconsistent with the name of the drawer;
16. The signature of the payee of the bill is inconsistent with the first endorser;
17. The affixed form is not in the unified format of the bank;
18. When consecutive endorsements are transferred, the dates filled in do not conform to the logical relationship. For example, the endorsement date of the later endorsement is earlier than that of the previous endorsement.
Among them, items 1-9 are more common, while items 10-18 are rare. However, the issues regarding acceptance bills are not limited to the above. Each enterprise has�Be careful when accepting money orders.
Cancellation of acceptance bills has become the voice of enterprises!
The risks of acceptance bills have always been one of the topics that have attracted much attention. It is not the first time that representatives of the National People’s Congress have proposed canceling acceptance bills. Whether the current acceptance bill will be canceled is still an issue to be resolved. Counterfeit, altered, and “cloned” bank acceptance bills still exist in the market. Friends, please be careful when collecting bills.
Whether it is paper acceptance or electronic acceptance, it is a vampire for small, medium and micro enterprises. Cancellation of acceptance bills has become the voice of enterprises! If it is not cancelled, what should the company do if it changes? </p
