The Characteristics And Basic Requirements Of Bank Cashier Settlement

What is a bank cashier?

What are the characteristics of cashier settlement?

The bank promissory note can be divided into two types: the quota and the quota according to whether the amount is fixed.

An open-ended bank promissory note is a bank cashier with the amount of money printed on the voucher and the amount of money printed on the basis of the actual requirement. The fixed bank cashier is a bank note with fixed fixed value printed on the voucher.

Two, compared with other bank settlement methods, banks

The settlement has the following characteristics:

(1) easy to use.

Our current bank cashier is convenient and flexible to use.

Units, individuals and individuals, whether or not they open accounts in a bank, can use bank cashier tickets for all commodity pactions, labor services and other payments within the same city.

Receivables and individual cashier banks can handle accounts pfer settlement, or withdraw cash, or endorse the pfer.

Bank cashier is payable at sight and promptly settled.

(2)

High and ability to pay.

A bank cashier is issued by a bank and is paid unconditionally by the issuing bank on the specified maturity date, so the credit is very high. Generally, there is no problem of normal payment.

Among them, the fixed bank cashier is issued by the people's Bank of China. There are commercial banks issuing agents in large countries. There is no problem of cash payment.

The quota bank cashier is issued by commercial banks of major powers. Because of its strong financial strength, there is no question of cash payment.

Three. Basic requirements for bank cashier settlement

(1) bank cashier is used within the same city limits of designated cities.

(2) the starting point of the amount of bank cashier's bill.

The starting point of the amount of the fixed bank cashier is 100 yuan, and the fixed bank cashier's face value is 1000 yuan, 5000 yuan, 10000 yuan, and 50000 yuan.

(3) the payment period of bank cashier is not more than two months from the date of issue.

Overdue bank cashier and cashing bank will not accept it, but refund can be issued at the issuing bank.

(4) all bank cashier's names are allowed to be endorsed and endorsed.

(5) a bank promissory note is payable at sight without loss.

If an unfixed bank cashier has not been falsely claimed for one month after the expiry of the payment, the refund procedure can be processed.

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After receiving the bank cashier paid by the paying unit, the receiving bank must first examine the bank cashier carefully.

The contents of the review include:

(1) whether the receivables or endorsers on the bank promissory note are the units and whether the endorsement is continuous.

(2) the special seal of the draft on bank cashier is clear.

(3) whether the bank cashier is in the payment period (the payment period is two months).

(4) whether the contents of the bank cashier are in conformity with the regulations.

(5) whether the amount of stamped machine is counted by the fixed bank cashier, and whether the sum of the amount of the promissory note is in conformity with the stamping number.

After the examination is correct, the bank's promissory note payable to the paying unit is filled out, and a form of two couplet is added. The bank seal is stamped on the back of the bank note and the bank cashier is sent to the account bank together with the receipt.

The opening bank receives the promissory note paid by the receiving unit, and makes careful examination according to the regulations.

After the examination is correct, the payment procedure shall be processed, and the "pfer payment" Chapter shall be stamped on the first joint receipt to return the collection unit.

If the purchase amount is greater than the sum of the promissory note, the paying unit can make the check and the cheque be sent to the bank together with the cheque, or separately.

If the payee accepts the bank notes that fill in the words "cash", it should also go through the formalities of receivables as required.

Of course, if the payee is an individual economic household and individual, the cash withdrawals can be processed on the basis of his ID card.