What kinds of banknotes do you have?

A bank draft is a bill issued by an issuing bank and unconditionally paid by the issuing bank to the payee or holder according to the actual settlement amount at sight. The drawer bank of a bank draft is the drawee of the bank draft.

Second, the cashier's check

A cashier's check is a bill issued by a bank, which promises to pay a certain amount to the payer or holder unconditionally at sight.

Units and individuals in the same settlement area (usually referring to the same city) can use cashier's checks when they need to pay all kinds of money.

A cashier's check can be used to transfer money, and a cashier's check marked "cash" can be used to withdraw cash.

A cashier's check is a check payable at sight, which can be used to withdraw cash or transfer money, but only for payment and settlement of commodity transactions and labor supply within the same city.

Third, a fixed cashier's check.

A fixed promissory note is a bill issued by a bank, which promises to unconditionally pay the face value to the payee or holder at sight.

Units and individuals in the same settlement area (usually the same city) can use fixed cashier's checks when they need to pay all kinds of money.

At present, fixed promissory notes are only used in some areas (such as Shanghai and Guangzhou).

There are only four denominations of fixed promissory notes: 1 1,000 yuan, 5,000 yuan, 1 1,000 yuan, 50,000 yuan.

Fourth, ordinary checks.

A cheque is a bill issued by the drawer, and a bank or other financial institution entrusted to handle cheque deposit business unconditionally pays a certain amount to the payee or holder at sight.

A check printed with the word "transfer" is a transfer check and can only be used for transfer; A check printed with the word "cash" is a cash check and can only be used to withdraw cash; A check that is not printed with the words "cash" or "transfer" is an ordinary check. Ordinary checks can be used to withdraw cash or transfer money. If you draw two parallel lines in the upper left corner of an ordinary check, it is a crossed check. Crossed checks can only be used for transfer, not cash withdrawal.

Verb (abbreviation for verb) cash check

A cash check is a kind of check specially used to withdraw cash. Cash checks can only be used to withdraw cash.

6. Transfer cheque

A transfer check is a special check that can only be used for transfer. A transfer check may not be used to withdraw cash.

Seven, bank acceptance bill

A bank acceptance bill is a bill issued by the drawer, accepted by the bank, and entrusted by the payer to unconditionally pay a certain amount to the payee or holder on a specified date.

The drawer of a bank acceptance bill must meet the following conditions:

(1) Legal persons and other organizations that have opened deposit accounts with accepting banks;

(2) It has a true entrusted payment relationship with the accepting bank.

(3) It has a good credit standing and a reliable source of funds to pay the amount of the draft.

Eight. trade acceptance

A commercial acceptance bill is a bill issued by the drawer, accepted by a payer other than the bank, and entrusted by the payer to unconditionally pay a certain amount to the payee or holder on a specified date.

9. Apply for a cashier's check

Units and individuals that need to use cashier's checks for settlement may apply to the bank for issuing cashier's checks. The applicant must fill in the application form for cashier's check first.

The application for cashier's check is made in triplicate, with the first copy as the applicant's receipt, the second copy as the bank debit voucher and the third copy as the credit voucher. If the applicant writes a cashier's check in cash, the second copy will be cancelled.

X. apply for a bank draft

Units and individuals that need to use bank drafts for settlement may apply to the bank for issuing bank drafts. The applicant must fill in the application form of bank draft first.

The application for bank draft is made in triplicate, with the first copy as the applicant's receipt, the second copy as the bank debit voucher and the third copy as the credit voucher. If the applicant pays the draft in cash, the second copy will be cancelled.

XI. Bill and Settlement Voucher Transfer Sheet

Units and individuals must use the bills and settlement vouchers uniformly printed by the People's Bank of China when handling bill settlement. Therefore, before using bills and settlement vouchers, you must first fill in the bill and settlement voucher application form.

Twelve, bank draft

A bank draft is a voucher for the holder or payee to deposit the bill money into the payee's bank account, and it is also a voucher for the bank to record the bill money into the payee's account. Bank receipts are divided into triple bank receipts and double bank receipts. Different ticket holders should use different bank bills according to regulations.

Two copies of bank draft: the first copy is the receipt to the holder (that is, the collection notice), and the second copy is the bank's credit certificate.

When filling in a bank draft, the holder must clearly fill in the columns of bill type, number of bills, payee's name, payee's bank and account number, drawee's bank and account number, bill amount, etc. , and submit it to the bank handling personnel together with relevant bills.

After the bank accepts the two-way bank draft, it shall affix the transfer stamp on the first copy and return it to the holder, who can keep an account accordingly.

Thirteen. Discount coupon

When the holder applies to the bank for discount with the unexpired bank acceptance bill, he shall fill in the discount certificate in quintuplicate according to the bill.

The discount voucher is made in quintuplicate, with the first copy as the debit voucher for discount, the second copy as the credit voucher for the holder's account, the third copy as the credit voucher for discount interest, the fourth copy as the collection notice sent by the bank to the holder, and the fifth copy as the discount credit voucher by the bank accounting department according to the maturity date. The Law of Negotiable Instruments stipulates that if a bill that is allowed to stop payment is lost, the loser may apply to the bank to stop payment. If the owner applies for reporting the loss and stopping payment, he must fill in the report in triplicate and sign it.

14. Notice of Loss Reporting and Payment Stopping

Notice of loss reporting and payment stopping in triplicate, the first is the bank's acceptance receipt to the loss reporting person, the second is based on the register, and the third is based on the telegram.

The owner should fill in the Notice of Loss Reporting and Payment Stopping carefully. Fill in the name of the payer who reported the loss, the time when the bill was lost, the reason for the loss, the bill type, the bill number, the bill amount, the payer's name, the payee's name, the date of issue, the date of payment, the contact address or telephone number of the payer who reported the loss in detail, and sign it by the person who reported the loss.

Fifteen, post-it notes

A note is a piece of paper attached to a bill to make up for the fact that the bill itself cannot meet the needs of recording items. If the bill voucher cannot meet the needs of the endorser's record, a self-adhesive bill can be attached to the bill voucher.

The first person on the note should sign the draft and the note.

The first manned person refers to the first endorser who uses post-it notes. For example, C accepts the transferred bill and is the holder of the bill, and finds that there is no room for endorsement on the back of the bill. At this time, C should use post-it notes, and C is the first person to use post-it notes, and when using post-it notes, C must sign at the bonding place (the so-called stamp place) between the bill voucher and post-it notes.

The endorsement recorded on the post-it note is valid as long as it meets the formal conditions stipulated in the Bill Law.

Sixteen. Reason for refund

If the drawee or the paying bank refuses to pay when the holder entrusts the bank to collect the fare or presents it to the paying bank for payment, he may ask the paying bank (the bank where the drawee of a commercial acceptance bill opens an account, or the bank where the drawer of a cheque opens an account) or the paying bank to issue a refund statement and record the reasons for the refund.

The reason for refund can prove that the holder has exercised his rights without any result, and it has the function of replacing the proof of refusal. If the holder has reasons to refund the ticket, it is not necessary to ask for a refund certificate.

Seventeen. Bank acceptance agreement

The bank acceptance agreement is made in triplicate, with the first copy kept by the drawer and the second and third copies kept by the accepting bank.

The accepting bank will charge the drawer a handling fee of 0.5% of the face value.

After bank acceptance, both the drawer and the accepting bank must abide by the relevant laws and the terms stipulated in the bank acceptance agreement.

The accepting bank of a commercial bill must meet the following conditions: first, it has a real entrusted payment relationship with the drawer; 2. There are reliable funds to pay the amount of the draft; 3. The internal management is perfect, and it has been examined and approved by the bank authorized by its legal person.

When the drawer or holder of a bank acceptance bill presents it to the bank for acceptance, the credit department of the bank is responsible for carefully examining the drawer's qualification, credit standing, purchase and sale contract and the contents recorded in the bill according to the relevant regulations and examination and approval procedures, and the drawer can provide guarantee when necessary. If the requirements and acceptance conditions are met, an acceptance agreement shall be signed with the drawer.