step 1: handle the exposure.

the exposure of bank acceptance bills refers to that after the bank acceptor pays a certain percentage of deposit, the accepting bank provides the drawer with the fund exposure service for the rest.

an enterprise applies for credit from a bank to provide relevant mortgage and guarantee, and the bank gives a certain credit line according to the information provided by the enterprise, which is the credit exposure.

for example: for example, if an enterprise pays a deposit of 3 million yuan in an accepting bank, the deposit ratio given by the bank is 31%, and the amount of bank acceptance bills that can be drawn is 11 million yuan (311/31%), 3 million yuan is no credit line and 7 million yuan is credit exposure line.

with the deposit of 3 million yuan paid by the enterprise, you can get the interest income paid by the bank. With a credit line of 7 million, enterprises need to use assets such as inventory, real estate, plant and equipment as collateral in banks. Of course, there are also special circumstances. If the enterprise has good integrity in market operation, some banks will relax the conditions appropriately without providing mortgage guarantee.

Generally speaking, an enterprise deposits 3 million yuan into a bank to obtain 7 million yuan in financing loans, and the bank lends 7 million yuan as working capital to the enterprise for a maximum of one year. During this period, the enterprise pays the cooperative supplier enterprise by using the negotiable securities function of the bill, and the supplier enterprise can accept the cash from the bank within the specified time.

exposure handling is the same as loan handling, and it is handled by the bank financing specialist.

step 2: make out an invoice.

after handling the exposure, you can handle the invoicing.

in the part of bank credit, it is handled by the fund specialist. Provide relevant information: issuing bank acceptance bill contract, copy of purchase and sale contract, copy of special VAT invoice.

fill in the billing information, the supplier paid by billing and the corresponding amount.

At the same time, the enterprise credited the deposit of 3 million yuan into the "special deposit account" in the "general deposit account" of the accepting bank, awaiting review. You can take the initiative to contact the bank to inquire about the billing situation and the time of ticket collection.

after the bank acceptance bill is issued, it can be used to pay the supplier's payment.