First, the difference between electronic bank acceptance bills and bank acceptance bills.
(1) Commercial acceptance bills are accepted by payers other than banks, and bank acceptance bills are accepted by banks.
(2) Commercial acceptance bills are issued by the sales enterprises or purchasing enterprises agreed by both parties to the transaction, but accepted by the purchasing enterprises. Bank acceptance bills are issued by depositors who open deposit accounts in banks.
(3) When the issuer of a commercial acceptance bill has insufficient bank deposits, the bank may refuse to pay. When the drawer of a bank acceptance bill has insufficient bank deposits, the bank will pay unconditionally at sight.
(4) The safety factor of bank acceptance bills is higher, while the safety factor of commercial bills is lower than that of banks.
2. Electronic acceptance bills are a subclass of electronic commercial bills.
(1) Electronic bank acceptance bills can ensure their uniqueness, integrity and security by adopting electronic signature and reliable security authentication mechanism, and reduce various risks such as bills being cloned, altered, forged, lost and damaged; The issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount and other bill behaviors of electronic bank acceptance bills are carried out on the electronic commercial bill system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and commercial efficiency.
(2) The electronic commercial bill system is an integrated business processing platform approved by the People's Bank of China, relying on network and computer technology to receive, register and forward electronic commercial bill data messages, provide services related to electronic commercial bill monetary payment and fund settlement, and provide paper commercial bill registration and inquiry and commercial bill public quotation services.
3. The acceptor of a commercial acceptance bill is the company. After the acceptance expires, if the acceptance company runs out of money or goes bankrupt, then the payee can't withdraw money from the bank. There are certain economic risks, so if you receive a commercial acceptance bill now, you will consider discounting it and withdraw the money in advance, but you need to pay the issuing bank a certain interest.
4. The acceptor of bank acceptance bill is the bank, which guarantees it. After the acceptance expires, the issuing bank will transfer the money to the payee's account regardless of whether the drawer has money or not, and the risk is relatively low.