Chapter I: General Provisions.
First for sound operation, risk prevention, standardize * hereinafter referred to as the "company") commercial bill discounting business, in accordance with the "General Principles of Loans", "the People's Republic of China Negotiable Instruments Law", "Commercial Bills Acceptance, Discount and Rediscount Management Interim Measures" and "Payment and Settlement Measures" and other relevant provisions of these measures.
Article 2 discount in these measures refers to the holder of the commercial bill of exchange before the maturity date, in order to obtain funds, discount a certain interest to transfer the right to the bill to the company's bills, is a way for the company to finance funds to the holder.
Article 3 The company handles the discounting business of commercial bills limited to bank acceptance bills and commercial bills accepted by the company, and does not accept the discounting of other commercial bills.
The bank acceptance draft referred to in these measures is issued by the drawer, and the entrusted bank (acceptance bank) unconditionally pays the determined amount to the payee or bearer on the specified date.
Chapter II Conditions for Discount Applicants.
Fourth to the company to apply for bill discounting of commercial draft holders, must meet the following conditions.
1.It is a member of the group and has good credit status.
2.Have opened a deposit account with the company.
3.There is a real commodity trading relationship with the drawer or its predecessor.
4.The bill of exchange for discounting is legal and valid, and it is not marked "shall not be transferred".
5.The acceptance banks of bank acceptance bills have acceptance qualifications, strong strength and good credit, mainly including national policy banks, large state-owned commercial banks and listed joint-stock commercial banks.
6.The discount needs to occupy the credit line for processing.
Chapter III Procedures for Handling Discount Business.
Article 5 Application.
In addition to submitting working capital loan materials, member units that need to handle commercial bill discounting also need to submit all or part of the following materials.
1."Application for Discount of Commercial Bills" and unexpired commercial bills that have been endorsed (but not filled in the endorsee column).
2.The original and copy of the commodity transaction contract corresponding to the bill of exchange, or other documents that can prove the legitimacy of the bill of exchange.
3.Proof of proof that the commodity transaction under the bill has been performed, including a copy of the VAT invoice (which can be a receipt between member units) and the commodity shipping document (with official seal or seal) between the company and its immediate predecessor.
Article 6: Investigation and review.
1.The Credit Operations Department is responsible for investigating the following:
1) The subject qualification and credit status of the discount applicant.
2) Check the power of attorney of the authorized signatory (legal representative of the enterprise), the power of attorney of the signatory and the original identity certificate of the signatory to confirm whether the signature and seal are valid.
3) Review the background of discounting, whether there is a commodity transaction relationship between the discount applicant and the drawer or its predecessor, and whether the date, amount and other elements of the bill of exchange, transaction contract and VAT invoice correspond to each other.
2.The Risk Management Department is mainly responsible for reviewing the following contents and issuing review opinions.
1) Review the completeness, validity and accuracy of the information provided by the credit business department, and check the opinions of the credit business department and the settlement business department at all levels.
2) Review the qualifications and credit status of the bill acceptance bank.
3) Review the qualifications and credit status of the discount applicant.
4) Review the authenticity and correspondence of the ** background.
5) Review the items recorded on the face of the bill to be discounted and the audit opinions of the credit business department and the settlement business department.
6) Analyze and judge the basic situation, business situation and other relevant circumstances of the discount applicant.
7) Conduct a comprehensive analysis of the proposed discount business according to the company's credit policy and plan.
Article 7 Examination and approval.
Examination and approval of the qualified commercial bill discounting business. The specific approval procedures are: preliminary review by the account manager of the credit business department, head of the credit business department, head of the credit business department, head of the credit review post of the risk management department, head of the risk management department, head of the risk management department, and general manager.
Chapter IV Term and Interest Rate.
Eighth commercial bill of exchange discount period from the date of discount to the maturity date of the bill, up to 6 months. The actual discount amount is calculated according to the par amount minus the discount interest from the discount date to the day before the maturity date of the bill. If the acceptor is in a different place, the discount period and the calculation of the discount interest shall be added with an additional 3 days of the transfer date.
Nineth discount rate of commercial bills to be generated on the basis of the rediscount rate of the People's Bank of China plus percentage points, and comprehensive consideration of cost, risk and other factors.
Chapter 5 Management of Discount Business.
Article 10 After approval and approval, the credit business department and the discount applicant signed the "commercial bill discount agreement", submitted to the risk management department for review, the general manager approved by the account manager to initiate the loan process, notify the settlement business department to lend.
Article 11 The account manager shall be responsible for the post-loan inspection of the discounted loan (the inspection method and content shall be compared with the management measures for the post-loan inspection of self-operated loans).
Article 12 of the bills that are about to expire without rediscounting or rediscounting business, the settlement business department is responsible for sending bills and entrusting collection.
Chapter VI Late Handling.
Article 13 If the discounted bank acceptance bill is rejected on the maturity date of the bill of exchange to the acceptance bank, the company has the right to claim the bill from the discount applicant, and can directly deduct the bill from the deposit account of the discount applicant.
14th commercial bills due date has not been recovered, on the next day after the maturity date of its conversion to discount loans, the loan term is half of the original discount term, up to 3 months, the interest rate with reference to the same period loan interest rate, not lower. After the discount loan expires, the bill money that cannot be recovered will be treated as an overdue loan and an overdue penalty interest will be charged.
Article 15 Hundred help plan Once the discounted bills are fake, "cloned" bills or other reasons are rejected by the acceptor, the discount applicant unconditionally returns the face value of the discounted bills to the company. Chapter VII: Supplementary Provisions.
Article 16 The Credit Business Department shall be responsible for the interpretation and revision of these Measures.
Article 17: These Measures shall come into force on the date of promulgation.