What is the bank's settlement business? What is included?

I. Personal settlement business of banks:

1. Bank draft: A bank draft is a bill deposited by a customer in a local bank, issued by a bank and held by the remitter, and used for transfer settlement or cash withdrawal in different places.

2. A commercial bill is a bill issued by the payee or payer (or the applicant for acceptance), accepted by the acceptor, and paid to the payee or endorsee on the due date.

3. A cashier's check refers to a bill issued by a bank for transfer settlement or cash withdrawal within the same city after receiving the money from customers.

4. A cheque is a bill issued by a depositor and entrusted by its bank to unconditionally pay a certain amount to the payee or holder at sight.

5. Remittance. Remittance is a settlement method in which the remitter entrusts the bank to remit the money to the foreign payee. Remittances are divided into two types: letter transfer and wire transfer.

6. Entrusted collection. Entrusted collection is a settlement method in which the payee entrusts the bank to collect money from the payer.

7. Collection and acceptance. Collection and acceptance is a settlement method in which the sales unit entrusts the bank to collect the payment from the purchasing unit after delivery according to the economic contract, and the purchasing unit pays the payment to the bank after inspection or inspection.

8. Letter of credit: A letter of credit is a certificate issued by the applicant to deposit money in a bank and open a deposit account in the bank.

Two. Personal settlement business income:

1, salary and bonus income.

2. Income from labor services such as manuscript fees and performance fees.

3. Principal and income of bonds, futures, trusts and other investments.

4, personal creditor's rights or property rights transfer income.

5. Personal loan transfer.

6, securities trading settlement funds and futures trading margin.

7. Inheritance and donation.

8, insurance claims, premium refund and other funds.

9. Tax refund.

10, sales revenue of agricultural and sideline products.

1 1, other legal funds.

Extended data:

I. Bank draft

Units or individuals, in the same city or in different places, pay one month according to the actual amount, which can be endorsed, transferred or cashed, and the starting limit of 500 yuan is cancelled.

1. A bank draft is a bill in which the remitter deposits the money in the local bank, which is issued by the issuing bank, and unconditionally pays the payee or the holder according to the actual settlement amount at sight.

2. Applicability: Both units and individuals can apply to the commodity transaction of payment before delivery or currency and goods settlement.

Second, commercial paper.

The longest payment period of a commercial bill shall not exceed 6 months.

1. A commercial bill is a bill issued by the drawer, which entrusts the payer to unconditionally pay a certain amount to the payee or holder on a specified date. The use of commercial bills must have a true trading relationship or a creditor-debtor relationship.

2. The payment term of a commercial bill shall be agreed by both parties to the transaction, and shall not exceed 6 months at the longest. The time limit for presentment payment of a commercial bill is within 10 days from the maturity date of the commercial bill.

3. Classification: According to the acceptor, it can be divided into commercial acceptance bills and bank acceptance bills.

4. Features:

(1) has a relatively narrow scope of application: it is only applicable to commodity transactions between enterprises due to delivery before collection or deferred payment agreed by both parties.

(2) There are relatively few users: the conditions of users: one is to open an account in a bank, and the other is to have legal personality.

(3) It must be accepted.

(4) Unexpired commercial bills can be discounted at the bank.

(5) It can be used in the same city and different places, and the settlement starting point is not limited.

Third, promissory notes

Units or individuals in the same city for 2 months can be divided into fixed promissory notes and non-fixed promissory notes. The face value of the fixed promissory note is 65,438+0,000 yuan, 5,000 yuan, 65,438+0,000 yuan and 50,000 yuan respectively. If it can be endorsed, the unit will not issue cash promissory notes.

1. A cashier's check is a kind of bill that the applicant deposits money in the bank and is issued by the bank to transfer money or withdraw cash.

2. Applicability: cashier's checks are applicable to units and individuals who need to pay various amounts in the same settlement area.

3. Classification: According to whether the amount is fixed or not, it can be divided into two types: non-fixed and fixed.

4. Actual operation: It is the same as the bank draft operation, replacing "funds in other currencies-bank draft" with "funds in other currencies-bank cashier's check".

Fourth, check

1. The cheque is issued by the drawer, and the bank entrusted to handle the cheque deposit business unconditionally pays a certain amount to the payee or holder at sight. The time limit for presenting a cheque for payment is 10 days. If payment is presented within the time limit, the holder's bank will not accept it and the payer will not pay. General payment in the same city.

2. Classification: cash check, only cash can be withdrawn; Transfer cheque, which can only be used for transfer; Ordinary checks can be used to pay cash or transfer money.

3. Practical operation: the cashier goes to the company business window of the bank where the account is opened, fills in the bill receipt and purchase form, and notes down the company name, account number, type of ticket purchased, etc. , and affix the financial seal and legal person seal. Some banks stipulate to buy at least one 0.8 yuan at a time (25 ×0.8 yuan =20 yuan), and some banks can buy one at a time, and the expenses will be deducted from the company account.

If an enterprise needs to withdraw cash from a bank account, it will fill out a cash check and submit it to the bank where the account is opened. The bank will give you cash after verification.

If an enterprise needs to pay its current unit, it can fill in a transfer check, submit it to the bank, and transfer the money to the collection account after verification.

Because of the strict requirements for writing checks, many details need to be paid attention to. If it is slightly unqualified, the bank will refuse to pay. Once a friend of mine went to the bank to withdraw money, and he filled out eight checks before filling them out correctly. So I'll talk about it in detail this time.

Verb (abbreviation of verb) entrusted collection

Units or individuals, in the same city or in different places, notify, mail or cable within 3 days, and cancel part of the refusal.

1. Entrusted collection is a settlement method in which the payee entrusts the bank to collect money from the payer.

2. Classification: Mail and telegram remittance.

3. Applicability: the settlement in different places in the same city is not limited by the starting point of the amount.

References:

Baidu encyclopedia-bank settlement business