How do I get a bank draft? How to open a bank draft

Bank draft settlement is a settlement method in which the applicant deposits the money with a local bank, and the bank issues a draft to the applicant to hold to transfer money or withdraw cash. Must be issued and settled by a bank.

Fill in the "Bill of Exchange Application Form" as required and affix the reserved seal. For cash drafts, the word "cash" should be indicated. When collecting money, you should fill in the bill and send it to the opening bank together with the bank draft (with reserved seal) and the notice of settlement.

What are the requirements for a refund of a bank draft?

The applicant should prepare a letter to explain the reason to the issuing bank, and submit the certificate or identity document according to the regulations. At the same time, the bill of exchange and the notice of settlement are returned.

How to report the loss of a cash draft?

The payee should apply to the cashing bank or the issuing bank for the relevant loss reporting procedures. In the specific handling, the application form for loss reporting should be filled in, indicating the word "loss report". After that, submit the completed loss report application form to the bank.

Is there a loss report for a money order?

For transfer drafts that have been filled in with the name of the receiving unit or individual economic household, the bank will not handle the loss reporting procedures. However, the cashing and issuing banks can help protect against risk.

How can I remedy a lost bank draft?

The person who lost the ticket may request payment or refund from the issuing bank with the relevant certificate issued by the court.

If you are a cashier of the unit and handle it for the unit, you do not need an ID card.

If you are in an individual capacity, need.

1. The enterprise submits an application to the bank

1. Enterprise legal person or other economic organization registered in accordance with the law and engaged in business activities in accordance with the law;

2. Open a deposit account in a bank;

3. Good credit status, no bad loans, interest arrears and other bad credit records in the bank in the past two years.

4. Have reliable funds to pay the amount of the bill**;

5. On the basis of real and legal commodity transactions, there are real and legal commodity transaction contracts and transaction invoices, and the bank acceptance bill is indicated as the settlement method in the purchase and sale contract, and it is forbidden to handle the bank acceptance bill without commodity transaction.

Procedures for applying for bank drafts: when the internal ** department or other business departments use bank drafts due to business needs, they should fill in the bank draft and ask for a high Chan form, specifying the department, handler, purpose of remittance, name of the receiving unit, opening bank, account number, etc., signed by the applicant, and approved by the leader of the unit, and the financial department shall handle the bank draft procedures.

All units that require the use of bank drafts to handle settlement business, the financial department shall submit the "bank draft power of attorney" to the issuing bank Wang Nian Nian Bank in accordance with the regulations, and write down the name and account number of the remitter, the name and account number of the payee, the place of redemption, the amount of remittance difficulties, and the purpose of remittance (military products can be exempted from filling in) and other contents on the "bank draft power of attorney", and affix the seal of the bank reserved by the remitter on the "remittance power of attorney", and issue the bank draft after examination by the bank. If the remitter does not have a deposit account with the bank, he can deposit the cash for the draft.

The bank draft collection process is, the bearer will send the bill of exchange to the holder's bank for collection before the bill of exchange expires, the holder fills in the collection voucher and stamps the holder's reserved seal, and the collecting bank mistakenly stamps the special seal for settlement in the third copy of the collection voucher after the audit is correct, and then sends it to the paying bank to complete the collection process.

Among them, the bank draft refers to the bill issued by the issuing bank, which is unconditionally paid to the payee or bearer according to the actual settlement amount at the sight of the bill. It is mostly used for remote transfer settlement and cash withdrawal, and has the characteristics of flexible use, ticket arrival with person, and strong cashability.

The accounting treatment of bank drafts is as follows:

1. When the enterprise receives a bank draft for the sale of goods:

Borrow: Bank deposit.

Credit: main business income.

Tax Payable – VAT payable (output tax).

2. When the enterprise uses a bank draft to pay for the goods:

1) When depositing the payment in the bank for bank draft:

Borrow: Funds in other currencies – bank drafts.

Credit: Bank deposits.

2) When paying for goods by bank draft:

Borrow: Raw materials (or goods in stock).

Tax Payable – VAT payable (input tax).

Credit: Funds in Other Currencies – Bank Drafts.

Bank draft refers to the remittance unit or individual to deposit the money in the bank, and the bank issues the draft to the receiving unit or individual to hold the settlement voucher for transfer or cash withdrawal to other places, generally through the "bank deposit return" and "other monetary funds" accounts for accounting.

Bank drafts belong"Funds in other currencies"Accounts, bank percussion acceptance bills"Notes payable".Bank Draft: Borrow: Other Currency Funds--- Bank Draft.

Credit: Bank deposits.

Purchased goods borrowed: materials.

Credit: Funds in Other Currencies – Bank Drafts.

When the bank acceptance bill is processed, borrow: bank deposit - * margin, credit: bank deposit.

When paying, debit: raw materials, accounts payable, etc.

Credit: Notes payable.

How to deal with the accounting of bank drafts?

1. When the remittance unit entrusts the bank to issue a bank draft, it shall debit it in accordance with the receipt of the bill of exchange power of attorney"Funds in other currencies - bank drafts"The balance of the account is spine, credited"Bank deposits"Account. After the remittance unit settles with the bank draft, it will be debited when it receives the fourth copy of the bank draft and the relevant invoices and bills transferred from the bank"Material procurement"and other related accounts, credited"Funds in other currencies - deposits of bank drafts"Account.

2. When the receiving unit receives the bank draft, it will be debited"Bank deposits"account, credited to the account in question

The customer fills in the "Settlement Business Application Form" as required and stamps the reserved seal.

For cash bank drafts, indicate the word "cash". When the bearer collects the payment, fill in the bill, together with the bank draft ("the bearer to the bank to prompt the payment signature" needs to be stamped with the bank's reserved seal) and the notice of settlement to the ** payment bank entrusted to collect.

1. What is the act of issuing bank drafts?

Ticketing. The act of issuing a bill of exchange by the drawer and delivering it to the payee. After the bill is issued, the drawer assumes the responsibility of ensuring that the bill of exchange is accepted and paid. If the bill of exchange is refused, the drawer shall accept the recourse of the bearer to pay off the amount of the bill, interest and related fees.

2. What are the regulations for the issuance of bank drafts?

Article 19. A bill of exchange is issued by the drawer and is paid unconditionally by the payer at the sight of the bill or on a specified date.

A bill to pay a definite amount to the payee or bearer.

Bills of exchange are divided into bank drafts and commercial drafts.

Article 20. Ticketing refers to the act of issuing a bill by the drawer and delivering it to the payee.

Article 21.

The drawer of the bill of exchange must have a real entrusted payment relationship with the payer, and have a disbursement.

Reliable funds for the payment of the bill of exchange**.

Bills of exchange without consideration shall not be issued to defraud the bank or other parties to the bill.

Article 22.

The bill of exchange must contain the following:

a) the words "bill of exchange";

2) Entrustment of unconditional payment;

c) the amount determined;

4) the name of the person who made the payment;

5. Beneficiary's name;

6) the date of ticket issuance;

7) Signature of the drawer.

If one of the items specified in the preceding paragraph is not recorded on the bill of exchange, the bill of exchange shall be invalid.

Article 23.

If the bill of exchange records the date of payment, the place of payment, the place of issuance and other matters, it shall be clear and unambiguous.

If the date of payment is not stated on the bill of exchange, it shall be paid at sight.

If the place of payment is not indicated on the bill of exchange, the place of business, domicile or habitual residence of the payer shall be the place of payment.

If the place of issuance is not recorded on the bill of exchange, the place of business, domicile or habitual residence of the drawer shall be the place of issuance.

Article 24.

The bill of exchange may record other matters other than those specified in this Law, but such matters shall be recorded.

The item does not have the effect on the bill of exchange.

Article 25.

The date of payment can be stated in one of the following forms:

1) Pay at sight;

2) fixed payment;

3) Regular payment after ticket issuance;

4) Regular payment after seeing the ticket.

The payment date specified in the preceding paragraph shall be the due date of the bill of exchange.

Article 26.

After the drawer issues the bill of exchange, it assumes the responsibility of guaranteeing the acceptance and payment of the bill. Drawer.

When the bill of exchange is not accepted or paid, it shall be paid off to the bearer as provided for in Articles 70 and 71 of this Law.

Amount and fees.