Handling Of Late Payment Under Collection Commitment

At the end of the closing date of the business of a buying enterprise, if insufficient funds are paid, the insufficient part is the overdue payment, which is processed according to the overdue payment.

(L) the payer's opening bank should pay the overdue payment to the payee according to the amount of overdue payment and the number of days overdue, and calculate the overdue payment of compensation (late fee) at 5/10000 per day.

The formula is:

Late fee payable = overdue payment amount * days of delay * deduction ratio

The number of days beyond payment is counted from the date of completion.

At the end of a full day banking business, if the drawee does not have enough funds to pay, the insufficient part shall be regarded as one day overdue, and the compensation for one day shall be calculated.

On the next day after the expiration of the commitment period (for example, a holiday, the number of days of overdue payment is also postponed, but the number of days that should be overdue in case of a false holiday should be postponed). At the end of the banking business, there is still no sufficient capital to pay. The deficiency should be regarded as two days overdue, two days' compensation and the rest analogy.

During the period of bank examination and refusal of payment, it can not be regarded as the overdue payment of the drawee, but the increase of the bank's examination time for unreasonable refusal to pay shall be calculated from the date of the completion of the payment, and the compensation for overdue payment shall be calculated.

Example: the collection commitment of Daming company was 184000 yuan, which expired in May 6th. It was only paid 100000 yuan due to insufficient deposits. It was fully paid in May 26th and the rate of deduction was 0.05%.

Overdue amount =184000 yuan, 100000 yuan =84000 yuan

The number of days extended is 20 days.

Handling late fees =84000 yuan x 20 days * 0.05%=840 yuan.

(2) according to the regulations,

Regular deductions are made, once a month, and separately to the payee within 3 days of the next month.

In the next month, there will be some payments. The compensation will be calculated from the 1 day of the month, and the amount paid will be allocated to the payee. For the outstanding payment, the compensation will be calculated from the 1 day of the month to the end of the month, and it will be drawn to the payee within third days, 3 days.

If there is still partial payment in third months, the compensation shall be paid according to the above method.

The deduction of compensation is listed as the first place in the order of enterprise's sales revenue deduction. If the balance of payment account is insufficient, the payment should be arranged before the wages, and the account shall be controlled by "only pay no payment". Only after a full deduction of compensation is allowed to pay the payment of his money.

The economic consequences arising therefrom are the responsibility of the drawee himself.

The Bank of the drawee bank is responsible for the collection of overdue collection vouchers.

The period is 3 months (from the date of completion of the commitment).

Within this period, banks must deduct money sequentially in the order of deduction.

If the payer still does not have enough funds to pay the outstanding debts, the bank should notify the drawee on the next day that the relevant paction documents (the documents have been processed or partially paid for the documents, can be filled out "proof of payment"), and will be returned to the bank within two days.

The bank will pass the relevant certificate of settlement together with the proof of the paction documents or payables, and the bank that returns the payee to the payee and pfer the compensation payable to the payee.

If a person fails to refund the documents within a period of time, the bank shall, on the third day after the notice is issued, pay the amount according to the outstanding debts, and impose a fine of 5/10000 but not less than 50 yuan per day, and suspend the drawee's settlement business until he returns the documents.

(3) re collection.

If a payee receives a collection of receipts which are unreasonably refused to pay, and if he receives the returned settlement vouchers and the attached documents, if he or she needs to entrust the bank to re collect the collection, he shall fill in the quadruple "collection reason for collection", and send the triplex together with the purchase and sale contract, the relevant evidence and the original collection voucher and the paction document returned to the bank. After examination by the opening bank, it will be unreasonable to refuse payment, and the collection can be repeated.