Can I draw a bank acceptance bill at night?

If the electronic acceptance bill is issued at 10 pm, the transfer-out business cannot be handled normally. The effective operation time of electronic ticket receipt is 7* 13 hours, that is, 8: 00-21:00 every day; As long as the drawer does not withdraw the ticket, it has been in the state of signing, and there is no refund mechanism at present.

It is recommended to consult the relevant banks, because different banks have different specific regulations. Bank of China, for example, can transfer money on weekends. The billing service of China Bank is 7x 13 hour service, from 8 am to 265438+ 0 pm every day. If it is an authorized transaction outside the time of CDS system, online banking will automatically refuse it.

Electronic bank acceptance bill is a bill in which the drawer (that is, the acceptance applicant) applies to the opening bank in the form of data message, and after the acceptance bank approves the acceptance, it ensures that the acceptance applicant unconditionally pays a certain amount to the payee or holder on the specified date.

Negotiable Instruments Law Article 19 A bill is issued by the drawer, and the payer is entrusted to unconditionally pay a certain amount of bill to the payee or the holder at sight or on a specified date.

Commercial bills are long-term bills, which have both payment and financing functions. As the main means of payment in China's commodity trade, commercial bills are widely used in China because of their unlimited amount, long term (up to 6 months), simple financing and the existence of banks or large enterprises as payment guarantees.

However, in daily transactions, because the traditional commercial bills are paper-based, there are some problems, such as poor security in storage and carrying, strict requirements for endorsement and transfer, and inconvenient circulation transactions, which hinder the further promotion of commercial bills to some extent and are not conducive to the formation of a unified national bill market.

In addition, there are risks such as paper commercial bills being cloned and altered. In order to solve the problems existing in bill business and bill market, the People's Bank of China decided to build an electronic bill business system after full demonstration and combining the experience of China Merchants Bank, Minsheng Bank and Industrial and Commercial Bank of China in developing electronic bill business, which fundamentally solved the characteristics of poor relative transaction efficiency and asymmetric information in the market. On June 28th, 2009, 10, China Electronic Commercial Bill System (ECDS) was officially launched, thus creating a new era of electronic commercial bills in China.

The so-called electronic commercial bill is made by the drawer in the form of data message, and the payer is entrusted to unconditionally pay a certain amount of bill to the payee or holder on a specified date. Compared with paper commercial bills, it has the outstanding characteristics of issuing and circulating in the form of data messages, and replacing entity signatures with electronic signatures, which plays a very important role in putting an end to cases of forging or altering bills, reducing enterprise settlement costs, improving settlement efficiency and controlling financing risks.

The advantages of electronic commercial bills are greatly improved security, prolonged term, greatly reduced transmission and storage costs, greatly improved bill payment and settlement efficiency, and greatly reduced financing operation costs.

Compared with paper bank acceptance bills, electronic bank acceptance bills have great advantages in circulation and intensive management, and will also be a focus of commercial bank business competition in the future. Commercial banks can focus on marketing the following types of customers to seize market opportunities.

1, cross-regional operation, information requirements for financial management of group enterprises and their subsidiaries.

2. Large production and sales enterprises and their upstream and downstream supply chain enterprises

3. Small and medium-sized enterprises that use commercial bills as a settlement tool for daily business activities.

4, the use of commercial bills for settlement of e-commerce platform and its member enterprises.

5. Major financial companies with standardized capital management and extensive commercial bill business.

6. Commercial banks at all levels with commercial bill business qualifications and providing corresponding services.