A commercial bill is a note issued by the drawer, which entrustment the payer to pay the fixed amount to the payee or the holder on a specified date.

For commercial bill of exchange, we must pay attention to the following items: (1) the commercial bill must be based on the real paction relationship and the debt and debt relationship. The drawer must not issue a commercial bill without consideration to defraud the bank or other parties involved in the bill.

(2) the drawer of a commercial bill should be a legal person and other organization that opens a deposit account in a bank, and has a real entrusted payment relationship with the drawee (that is, the holder) and has a reliable source of funds to pay the amount of the bill.

(3) the commercial bill must be recorded in detail in accordance with the Seventy-eighth provision of the payment and settlement method.

(4) the commercial acceptance bill and the bank acceptance bill currently used in our country are all fixed in form. When the drawer issues the draft, he should record the specific maturity date on the draft.

(5) commercial draft can be presented to the drawee at the time of issue, and it can be used first after the ticket is issued and then presented to the drawee.

Commercial acceptances and bankers' acceptances must be presented to the drawee before the date of maturity of the draft.

Acceptance must not be accompanied by conditions.

(6) when a commercial draft holder applies for a discount to the bank, he must provide a copy of the VAT invoice and a shipping document of the goods between the Direct Holder and the bank. The discount bank will make a copy of the discount and shipping documents.

The interest rate of discount interest is calculated. The Bank of the acceptor in discounted land, discount, rediscount and rediscount should add another 3 days' payment date.

The draft of commercial draft is generally entrustment.

The prompt payment period of commercial draft is 10 days from the date of maturity of the bill.

The holder shall make a payment by the Bank of the bank or make a prompt payment to the drawee during the prompt payment period.

The holder can calculate the postal process and entrust the collection through the opening bank in advance.