Financial Settlement Of Bills -- Bank Notes

A bank promissory note is a note issued by a bank which promises to pay the specified amount to the payee or holder at any time when it sees the ticket.

Units and individuals need to pay various kinds of money in the same clearing area, and can use bank cashier's bills.

Bank cashier can be used for pfer, and the bank note marked "cash" can be used.

。

The bank cashier is divided into two types: the fixed and promissory notes. The fixed bank cashier's face value is 1000 yuan, 5000 yuan, 10000 yuan and 50000 yuan, and the prompt payment period is not longer than 2 months from the date of issue.

1, bank notes:

(1) indicating the words "bank promissory note";

(2) unconditional commitments;

(3) the amount determined;

(4)

The name;

(5) date of issue;

(6) signatures of drawer.

2, bank cashier processing method.

(1) the applicant should fill in the "bank cashier application" with the bank cashier, fill in the name of the payee, the name of the applicant, the amount of payment, the date of application, and sign the bill.

If the applicant and the payee are individuals who need to withdraw cash, they should fill in the word "cash" in the "payment amount column" and fill in the payment amount afterwards.

(2) the issuing bank accepts a bank promissory note application, receives the sum of money to issue a bank promissory note, pfers money, and draws the word "cash" on the bank promissory note; the applicant and the payee are personally required to withdraw cash, and the words "pfer" are deleted on the bank promissory note. The quota bank cashier is stamped with the press number to print the ticket amount, and the issuing bank signs it to the applicant after signing the bank cashier.

(3) recipient accepts

After that, we should examine the following contents:

Whether the payee is a unit or himself;

(2) whether the bank cashier is in the period of prompt payment.

(3) whether the items to be recorded are complete.

(4) if the issuer's signature is in conformity with the regulations, does the quota bank cashier have the amount of the stamping number of the stamper, and it is consistent with the amount of the capitalized ticket.

(5) whether the name of the payee is changed, whether the name of the payee is changed, or whether the other recorded items are certified by the original owner's signature.

The payee can endorse the bank cashier's endorsement.

3. The contents to be noted in the use of bank cashier:

(1) bank cashier payable on demand.

(2) applicants or payee units may not apply for the issuance of cash bank cashier's notes.

(3) the applicant should submit the bank cashier to the issuing bank when the bank draft exceeds the prompt payment period or for other reasons. The applicant should give the certificate of the unit.

If the applicant is an individual, the identity card of the person shall be issued.

Related links:

Entrusted collection refers to the way in which a payee entrusts a bank to collect money from the payer.

The unit and individual shall settle accounts for the amount of money on the basis of the acceptance of commercial bill of exchange, bonds and certificates of deposit.

The method of entrustment settlement can be used to entrust receivables to be used in the same city and in different places. The way of settlement of accounts is divided into two types, namely, mail and telegram, which are selected by the payee.

1. Matters concerning the collection of entrusted receipts:

(1) indicating the word "entrusted collection";

(2) the amount determined;

(3) the name of the drawee;

(4) the name of the payee;

(5) the name of the entrusted receipts and the number of documents attached.

(6) date of entrustment;

(7) the payee signature.

If the entrusted payee is a bank other than the bank, he shall entrust the name of the drawee bank to the collection receipts.

2. The method of entrusting receivables.

Entrustment: the payee shall submit the entrusted collection voucher and the relevant debt certificate to the bank when handling the entrusted receipts.

Payment: the bank has received the certificate of entrust receipt and the certificate of debt.

(1) the bank should pay the bill to the payee on the same day.

(2) after paying the bill to the drawee, the drawee shall notify the bank in writing on the date of receipt of the notice.

If a drawee's deposit account is not paid in full when the bank is making the payment, it shall notify the entrusted bank to issue the notice of non payment to the payee.

In accordance with the relevant regulations, debts prove that the depositary bank of the drawee should retain the certificate of debts with the letter of payment without payment, and send the entrusted bank to the receiving teacher.

3, the use of entrusted receipts should be noted:

(1) after the payer has examined the relevant debts, he has the right to refuse payment.

(2) if the payee collects public utility fees, it must have an economic contract signed in advance by the two parties. It is authorized by the drawee to the bank and approved by the Bank of the account. If it is approved by the local branch of the people's Bank of China, it may use the entrusted receivables with the city.