一、逾期付款赔偿金的性质银行承兑汇票是以商业信用为基础的票据，它的实质是一种无条件支付的委托，即出票人委托承兑行支付票据金额。如果承兑行接受了委托，并对银行承兑汇票做出承兑，银行承兑汇票就成了承兑行面向不特定持票人的承诺。汇票到期后，承兑行没有合法的抗辩? First, the nature of overdue payment of compensation Bank acceptance is a commercial credit based on the bill, its essence is an unconditional payment of the commission, the drawer commissioned the acceptance of the bank to pay the amount of the bill. If the accepting bank accepts the commission and accepts the acceptance of the banker's acceptance, the banker's acceptance becomes the acceptance of the acceptance banker for the unspecified bearer. After the bill expires, the acceptance bank has no legal defense?