银行承兑汇票贴现培训资料(1)

1、1银行承兑汇票贴现业务知识体系基础知识业务流程操作技巧Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.2Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.3中华人民共和国票据法中华人民共和国票据法汇票是出票人签

2、发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。票据法说明了票据分为银行汇票银行汇票和商业汇票商业汇票；商业汇票，按照承兑人分类分为银行承兑银行承兑汇票汇票和商业商业承兑汇票承兑汇票 (我们的业务针对的是银行承兑汇票银行承兑汇票)。注意：银行汇票 银行承兑汇票 （详见中国人民银行网站上，票据文章， http:/ ）银行承兑汇票银行承兑汇票是由出票出票人（企业）人（企业）签发的，由银行银行承兑的，委托付款人付款人在指定日期无条件日期无条件支付确定的金额给收款人收款人或者持票人持票人的票据。Copyright 2008 by JinSheng Finance &

3、amp; Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.4Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.5Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Fi

4、nance & Consulting Co., Ltd.6Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.7（一）表明“汇票”的字样； （二）出票日期（三）汇票编号（四）出票人全称、账号（五）付款行全称（六）汇票到期日期（七）收款人全称、账号、 开户行； （八）出票金额（大小写） （九）付款行行号、地址 （十）出票人要求付款行到期无条件支付的委托，出票人签章（财务章、法人章）（十一） 付款行到

5、期承兑的承诺，银行汇票专用章（大额支付行号），经手人签章Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.8什么叫背书、被背书，我们以后介绍。注意：第一手背书人：一定是收款人Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co.

6、, Ltd.9Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.10Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、企业到银行申请开具银行承兑汇票2、企业提交各种手续，缴纳保证金及各项费用3、银行审核，通过

7、后开具银行承兑汇票4、企业使用银行承兑汇票，即交给收款人，购买货物或服务5、持票人在汇票到期至付款行兑付或提前贴现11Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.12Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co.,

8、 Ltd.13Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.14Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.15Copyright 2008 by JinSheng Finance & Cons

9、ulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、持票人到银行申请银行承兑汇票贴现2、银行审核办理银行承兑汇票贴现的各类手续3、银行核算贴现日期及相应利息4、银行扣除相应利息，向持票人提供的帐户支付余款5、持票人核对到账款项，无误后，完成贴现16Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1

10、7Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.18Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.19Copyright 2008 by JinSheng Finance & Consulting

11、 Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、持票人希望贴现2、持票人寻找中介3、中介报价，持票人选择合适的中介4、中介带贴现行一起，通过实地、或传真方式查询银行承兑汇票真伪5、确认银行承兑汇票真实、无瑕疵后，签订贴现协议6、后面手续和一般的贴现手续相同20Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd

12、.21Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.22Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.23请大家计算，2008-9-11日贴现，票2009-2-09到期，总计多少天？（19+31+30+3

13、1+31+9=151天）Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.24Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.25Copyright 2008 by JinSheng Finance &

14、 Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.26Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.第三章第三章 业务操作流程业务操作流程Business ProcedureBusiness Procedure27Copyright 2008 by JinSheng Finance &a

15、mp; Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.28Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、寻找票源2、报价3、操作业务29Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 20

16、08 by JinSheng Finance & Consulting Co., Ltd.30Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.31Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、搜

17、集客户资料2、联系客户，介绍业务3、客户有票询价4、我们了解最新价格，给客户报价5、客户接受报价后，客户打款要求6、了解贴现行要求7、客户、我们、贴现行见面8、票据查询9、查询通过后，签署转让协议，并让客户盖章签字10、银行打款至客户指定帐户11、客户查询帐户到款情况12、到款无误，客户将票交给贴现行交易完成业务操作技巧业务操作技巧Practice SkillsPractice Skills32Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.33Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.34Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Fi