What does it mean to suddenly receive a short message from the bank saying that the income from small remittance is much?

Small remittance generally refers to the amount of less than 50 thousand yuan (bank regulations may be slightly different). Small exchange refers to the exchange business below a certain amount.

2. Settlement of foreign exchange, also known as "exchange settlement", refers to the settlement method in which the enterprise (remitter) entrusts the bank to pay the payee. This method is convenient for the remitter to take the initiative to pay the payee in different places, and its application scope is very wide.

According to the regulations, the money remitted by the bank to the payee who has opened an account should be directly transferred to the payee's account. The payee's bank account should be stamped with the "Transfer to Receipt" seal to stamp the copy of the payee's fourth remittance voucher, indicating that the bank account opened has received the remittance.

At the time of telegraphic transfer, the bank where the payee opens an account shall, according to the telegram sent by the remitting bank, prepare a triple telegram supplementary declaration and payment form, affix a "transfer receipt" and affix a triple notice to the payee, indicating that the bank has received the payment.

According to the fourth voucher, the payee transfers money from the bank or supplements the statement by telegram, prepares the bank deposit receipt voucher, debits the "bank deposit" account and credits the relevant account (depending on the nature of remittance).

Extended information:

Communication method

According to the different remittance methods and remittance methods, remittance can be divided into two types: letter transfer and wire transfer, which are chosen by the remitter.

1, tM/t is foreign exchange settlement. The method of remitter is suitable for banks to deposit a certain amount of money at the same time and cost. The remitting bank sends the authorization certificate to the remitting bank of mail, and the authorized remitting bank pays a certain amount of money to the payee.

2. t/t/T telegraphic transfer is a way of remitting money to the remitting bank. A certain amount is deposited in the remitting bank, and the remitting bank remits the money to the destination branch or correspondent bank (remitting bank) by telegram or telex, instructing the remitting bank to pay a certain amount to the payee.

In these two ways of exchange, the cost of mail delivery is lower, but the speed is relatively slow, and the speed of wire transfer is more advantageous, but the sender must bear the higher cost of telegram and telex, so it is usually only suitable for emergencies or large quantities. In addition, in order to ensure the authenticity of the telegram, the remittance bank added the agreed password to the telegram. Moreover, there is no need to add a password to the mail transfer, just sign it.

Second, the characteristics of the exchange.

Foreign exchange settlement has the characteristics of wide application, simple procedures, flexibility and convenience, and is a very widely used settlement method at present.

1. foreign exchange settlement, whether it is a new meeting or a wire transfer, is not limited to the starting point, no matter how much it costs.

2. The settlement belongs to the sender's active payment settlement in different places.

It is very convenient to transfer money, clear old debts and settle transactions between subordinate units in different places. The foreign exchange settlement method is also widely used in the first remittance after trade settlement and delivery.

If the sales unit does not know the credit status of the purchasing unit or the shortage of goods, the purchasing unit can remit money first and then deliver the goods after receiving the payment to avoid receiving the payment. Of course, when purchasing units use the first remittance transaction mode, they should know the credit status and supply capacity of the sales units in detail to avoid blind remittance and inability to receive goods.

If you don't know the sales unit or the supply capacity, you can remit the payment to the place of purchase, open a temporary deposit account at the place of purchase, and the staff will supervise the payment.

3. In addition to the transfer of funds between units, exchange settlement can also be adopted, and units can pay related funds to individuals in different places, such as pension, medical expenses, various labor expenses and labor remuneration. In addition, the relevant funds paid by individuals can also apply for entities in different places, such as mail-order goods, books and periodicals. The procedures for settlement of foreign exchange are simple and convenient for units and individuals.