彩票平台代理

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                法律风险预控警示快讯之一:银行承兑汇●票风险提示
                 
                发布时间: 2013-10-28 [特大 ]

                一、法律风险案例  Legal risk case

                1.案例介绍  Case introduction

                    近期,北京连续有几家设计院发生了“银♀行承兑汇票”欺诈案件,其中一家涉案卐金额为100万元。

                    Recently, bank acceptance bill fraud cases occurred in several design institutes in Beijing, including one case whose involved amount is 1000000 yuan.

                    2011年12月,业主以背书转让“银行承兑汇票”(以下简◥称汇票)的形式向XX设计院(以下简称设◥计院)支付100万元设计『费(到期日为2012年4月30日,8次连续背书转让)。2012年2月15日,设计院又将该汇票背书≡转让给分包商,以结付分包合同货款。

                    The owner payed 1000000 yuan design fee to XX design institute (hereinafter referred to as the design institute) by the Endorsement of a bank acceptance bill (hereinafter referred to as the bill), the expiration date is April 30th, 2012 and with 8 successive endorsements. February 15, 2012, the design institute endorsed the bill to the subcontractor to pay the contract price.

                    2012年2月16日,分包商持该汇票向银行申请贴现,2月20日,银行通》知分包商】,该汇票系伪造,并予以查扣。随后分包商立即向设计院追索,设计院亦向业主追⊙索;而业主则〗向其直接前手背书(上家单位)单位提出清偿诉求。现有关使用〒该伪造“银行承兑汇票”进行企业⌒ 间结算一案仍在交涉中。

                    In February 16, 2012, the subcontractor held the bill to the bank for discount. In February 20th, the bank noticed the subcontractor that the bill is forged, and seized by the bank. Subsequently the subcontractor immediately recourse to the design Institute, and the design Institute also recourse to the owner. While the owner put forward settlement demands to its direct endorsement unit (the last unit). Now the case of forging bank acceptance bill is still in negotiations.

                2.案例分析  Case analysis

                    1)本案的特点:

                    The features of the case:

                    ①涉案金额大■(开票额100万元);②背书〓次数多(前后共计9次);③涉及单位多(前后共10家单位)。

                    ① large amount of money involved (the amount is 1000000 yuan); ②many times of endorsement (9 times); ③ many related units(10 related units).

                    2)银行承兑汇票常见的诈骗形式:

                    Common fraud forms of bank acceptance bill:

                    ①克隆银行承兑汇票诈↘骗(本案例); Copy bank acceptance bill (just this case);

                    ②假银行承兑汇票诈骗;Fake bank acceptance bill;

                    ③银行承兑汇票贴现诈骗。Bank acceptance bill discount fraud.

                二、预控→风险的建议  Recommendations to pre-control the risk

                    为预控相关风险,经集团证劵法务部、集团财务部、外聘律师共同商讨,一致建议如々下:

                    In order to pre-control the relevant risks, after the discussion by Group Security and Legal Department, Group Finance Department and outside counsel, they unanimously suggest:

                    1、结合实际情况,可按ξ 下列顺序采用合适的结算方式:

                    Combining with the actual situation, please take appropriate methods of settlement in the following order:

                    1)银行转账2)支票3)国内信用证4)银行承兑汇票5)商业承兑汇票。对于资信、诚信记录不良的客户建议采用前三种方式进行︼结算。

                    1) Bank transfer 2) check 3) Domestic letter of credit 4) Bank acceptance bill 5) Commercial acceptance bill. For customers with bad credit, we suggest to take the first three methods of settlement of accounts.

                    2、如系银行承兑汇票,建议处理如下:

                    For Bank acceptance bill, please take the following resolutions:

                    1)收票人对汇票进∩行初审,如有涂改、残缺、要素不全、签章不齐、背书不连续等则直接拒收;

                    Check taker take the preliminary examination of the bill, if altered, mutilated, incomplete elements, missing signature, endorsement discontinuous check taker could directly rejected;

                    2)财务部门收到汇票后,应按照有关规定进行认真审核,并将银行承兑汇票及所有转让汇票的背书人的签章复印留存;

                    After Finance Department received the bill, they should check the bill carefully according to relevant regulations, copy and retain the signature of the endorser and bank acceptances and all transfers of money orders;

                    3)财务部门通过银行对所持汇票进行信息查询,同时可通过工商查询系统及其他途径,查询出票人及背书人的资信状况;

                    Financial department could inquire the bill information through a bank or through Trade and Industry inquiry system and other means, to check the credit status of the drawer and endorsers;

                    4)凡出票人及任一背书人的资信状况不良,或对出票人及任一背∏书人的资信状况存疑的,建议向银行申Ψ请贴现;

                    If bad credit status of the drawer or any endorser, or doubts about the credit status of the drawer or any endorser, it is recommended to apply for the discount to the bank;

                    5)凡出现承兑纠纷,按下列程序处理

                    Be there any disputes in acceptance; please resolve in the following procedures:

                    ①尽快通知下家单位协商解决;Notify the next unit to discuss the resolutions as soon as possible;

                    ②立刻通∏知上家单位为假票,要求在下家单位可接受的期限内尽快支付;

                    Notify the last unit about the fake bill instantly, and demand the payment during the acceptable period of the next unit;

                    ③如与上家单位无法达成协议,可与法务部门协商处理意见。

                    If could not come to agreements with the last unit, may discuss with legal departments about the resolutions.
                 
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