People often ask me, can commercial bills be collected? This depends on the type of acceptor and the payment situation, if the acceptor is a large state-owned enterprise or a well-known listed company, they often have a higher credit rating and strong solvency, after the acceptor's credit information inquiry passes, this kind of commercial bill can be received with confidence.
Can commercial bills be collected, and how to control their risks?
However, some small or less well-known enterprises, their comprehensive strength is weak, the ability to resist risks and credit ratings are relatively low, and the risk of not being able to redeem the commercial bills issued at maturity is often greater, so they need to be carefully considered, and it is recommended not to accept them casually.
In order to minimize the risk before receiving commercial bills, it is recommended to do the following two inquiry measures.
Can commercial bills be collected, and how to control their risks?
1. Inquiry of credit information disclosure of bill acceptors. Log in to the official website of Shanghai Bills Exchange, and in the [Bill Acceptor Credit Information Disclosure Inquiry] interface, as long as you enter the name of the enterprise, you can query the relevant information disclosed on the platform, including the amount of acceptance, the balance of acceptance, the amount of overdue, the amount of overdue, etc. If the query shows that there is a relevant overdue record, then it is necessary to be cautious about receiving it.
2. Inquiry of credit information for payment of corporate online banking bills. The premise of the inquiry is that the commercial bill is in the household, but it has not yet been signed. At present, it is known that online banks such as Industrial and Commercial Bank, China Construction Bank, Agricultural Bank of China, CITIC, China Merchants, Industrial Bank, Hangzhou, Qilu Bank, etc., all have the function of chargeback inquiry! If the inquiry results show that there is a problem with the credit history, there is a risk that this kind of commercial bill will not be redeemed when it expires, so do not accept it casually.
Can commercial bills be collected, and how to control their risks?
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(Tianxiatong Commerce - your personal bill expert, the leader of bill service, no longer confused in the face of commercial bill financing)