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    What Are The Basic Principles Of Bank Settlement?

    2016/11/10 22:55:00 22

    BankSettlementPrinciple

    Bank pfer settlement is a complex payment process.

    If any of the units and any part are not handled according to the uniform regulations, it will bring difficulties to the settlement business.

    Therefore, in order to ensure the smooth progress of bank settlement, payment units, receivables, payment banks and receiving banks should strictly abide by the basic principles of bank settlement.

    These basic principles include:

    (1) abide by credit and perform payment.

    Under the condition of market economy, there are various forms of paction, and there are various forms of commercial credit.

    On the basis of mutual trust, the recipient and the two sides will negotiate their own payment on time on the basis of mutual trust.

    Once the two parties have reached an agreement, the Party of the paction shall act in accordance with the prior agreement, provide goods or services in time, and the other party shall pay the money at the agreed time and way.

    (2) whose money goes into whom and who controls it.

    As an intermediary agency for settlement, banks must protect the ownership of their clients' funds and the right to control their own rights in the process of settling accounts.

    The deposit of each unit in the bank is protected by law; the client entrusts the bank to pfer the money to whom, and the bank puts the money into it.

    The bank maintains the right of autonomy in the deposit of the account holder.

    Except for state laws, banks do not inquire or deduct money from any unit, and must not stop paying the deposit of their units.

    (3)

    Bank

    No advance.

    In the process of settling accounts, banks only provide settlement services, acting as intermediaries, and are responsible for pferring funds from accounts of payment units to account receivable units, not paying any units.

    The fact that banks have paid loans to other units is actually not within the scope of settlement. They are part of credit and expand credit scale and money supply.

    Therefore, the "payment and settlement method" stipulates that banks do not make advances.

    In the process of settling accounts, the payment unit can only use its own deposit balance to pay other units' funds, and the receiving unit can only be used at the expense of the bank to complete the collection procedures and enter the account of this unit.

    All units must understand and abide by the following basic requirements for bank settlement.

    First, units must abide by the laws and regulations of the state and the provisions of the bank settlement office for settlement.

    Second, all economic pactions can be used in addition to the provisions of the state's cash management.

    cash

    Besides, pfer accounts must be processed.

    Third, when a bank opens an account, it has to pay enough funds to guarantee the payment.

    Fourth, each unit must use the unified bill and settlement certificate issued by the bank when handling settlement, and fill in correctly according to the regulations.

    Fifth, banks and units should abide by the principle of "abide by credit, perform payment, enter into whose account, who will control, and the bank does not advance".

    Sixth, banks shall examine bills and settlement vouchers in accordance with the provisions of the settlement method.

    The economic disputes arising from the two sides shall be handled by themselves or submitted to the arbitration organ or the people's court for application or settlement.

    Seventh, banks are units and individuals according to law.

    deposit

    Confidentiality and safeguard the autonomy of their capital.

    In addition to the provisions of the state laws and the supervision items authorized by the State Council to the head office of the people's Bank of China, banks do not accept matters entrusted by other departments and local authorities, and do not inquire or deduct money from any units.

    Eighth, units must strictly abide by the discipline of bank settlement, and do not issue empty cheque and forward cheque.

    Ninth, the settlement of all units will affect the use of funds due to errors in filling out the clearing documents, and the loss of funds caused by the loss of bills and seals will be borne by themselves.


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