The drawer and payer of a bank draft are not the same bank

Yes. It's all the same person.

Bank draft. A bank draft is a bill issued by the remitter to the remitter to hold the transfer settlement or cash withdrawal to a local bank by the remitter. The remitter can be a unit or a self-employed household.

Or personally. In a bank draft, both the drawer and the payer can only be served by the bank, so it is called a bank draft.

In the bank draft relationship, the basic parties are: first, the drawer, that is, the bank where the remitter opens an account, issues a bank draft after receiving the remitter's money; the second is the payee, who can be the remitter or the person designated by the remitter, such as the remitter's creditor; The third is the payer, that is, the non-local bank entrusted by the issuing bank to redeem the bill.

In the bank draft, the basic relationship formed mainly includes: first, the capital relationship and entrustment relationship between the remitter and the issuing bank, that is, the basis for the bank draft is that the remitter deposits its money in the bank and entrusts the bank to issue the draft; The second is the financial relationship and entrustment relationship formed between the issuing bank and the cashing bank, that is, the drawer and the payer, that is, the issuing bank will release the funds to the cashing bank in another place, and the cashing bank accepts the payment entrustment and has the obligation to pay the amount of the bill to the holder.

In most cases, the issuing bank and the paying bank for a bank draft are the same bank, but there are exceptions.

Some small banks (local banks, credit cooperatives) issue national drafts that are often paid by other banks.

For example, the city commercial bank in city A issues a national bill, and the customer gets the money in city B, but there is no city commercial bank in city B, how to get the money?

The general way to deal with this is that after the city commercial bank issues a bill of exchange, it will often entrust a national bank to redeem it on its behalf, such as indicating on the bill that it should be cashed to the local industrial and commercial bank.

At this time, the customer can prompt the payment to the Industrial and Commercial Bank of China in City B.

The person who paid for this ticket was the Industrial and Commercial Bank of China.

It is a commercial bill.

Bills of exchange can be divided into the following types from different perspectives:

1.Depending on the drawer, a bill of exchange can be divided into a bank draft.

and commercial bills.

1) A bank draft is a draft that indicates that the drawer is a bank and the drawee is also a bank.

2) A commercial draft refers to a bill issued by a company or an individual, and the payer can be a company, an individual, or a bank.

2.Depending on whether the bill of exchange is attached or not, bills of exchange can be divided into clean bills of exchange and documentary bills.

1) A clean bill of exchange is a bill of exchange that does not have commercial documents. Bank drafts are mostly clean.

2) Documentary exchange cherry blossom auction ticket refers to a bill of exchange with commercial documents. A commercial bill of exchange is usually a documentary bill.

3.According to the time of payment, bills of exchange can be divided into demand bills and usance bills.

1) A demand bill is a bill of exchange that is paid at sight or at sight.

2) A usance bill is a bill of exchange that is paid within a certain period of time or on a specific date. The time of payment of the usance bill can be specified in the following ways: a few days after the sight of the bill; issue a ticket or pay within a few days; Payment shall be made within a few days after the issuance of the bill of lading; Payment is made on the specified date.

4.According to the different acceptors, it is divided into commercial acceptance bills and bank acceptances.

Draft. The commercial acceptance bill is a periodic bill of exchange accepted by an enterprise or an individual, and the periodic bill of exchange used for collection is this kind of bill; A banker's acceptance is a usance bill accepted by a bank. The usance bills used in letters of credit fall into this category.

Bills of exchange can often have more than one attribute at the same time. For example, a commercial draft can also be a documentary draft at sight; A usance commercial documentary bill is also a bank acceptance bill.

Extended information: 1. The function of the bill of exchange.

1.payment features; swapping function; credit function; settlement function; Financing function.

2.Bills of exchange were created with the development of the international **. Buyers and sellers of international** are far apart and use different currencies, which is not as easy to settle as domestic **.

There is a long process between the exporter's shipment and the importer's receipt. At this time, one party must provide a letter of credit to the other party, either to the importer or to the exporter, in order to sell the goods on credit.

3.If there is no strong intermediary guarantee, the importer is afraid that the goods will not be received, and the exporter is afraid that the goods will not be received, and it is difficult for this kind of international development to proceed smoothly. Later, banks became involved in the international process, acting as intermediaries between imports and exporters.

The importer issues a letter of credit to the exporter through the issuing bank, ensuring that the exporter can receive the payment after the goods are loaded on the ship as long as the exporter submits a full set of L/C documents to the negotiating bank on time. The negotiating bank issues a bill of exchange to the issuing bank and sends it to the issuing bank. The issuing bank guarantees payment when the negotiating bank submits the bill of exchange and the full set of L/C documents.

At the same time, the issuing bank assures the importer of the timely receipt of the documents for their imported goods to be picked up at the port.

If the drawer and payer belong to the same bank, the drawer and payer are actually the same person. If the drawer and payer do not belong to the same bank, but are branches of two different banks, the drawer and payer are two persons.

The parties to the settlement of bank drafts include:

1) Drawer.

The drawer of a bank draft settlement is the bank that issued the draft.

2) Beneficiary.

The payee refers to the unit and individual who withdraw the remittance from the bank. The beneficiary can be the sender himself, or the person with whom the remitter has a commodity transaction or with whom the sender wants to settle the settlement.

3) Payer.

Payer refers to the bank that is responsible for making payments to the recipient. If the drawer and the payer belong to the same bank, such as both branches of ICBC, the drawer and the payer are actually the same person. If the drawer and payer do not belong to the same bank, but are branches of two different banks, the drawer and payer are two persons.

The drawer and payer of bank drafts and cashier's checks are both issuing banks, and the customer is just the applicant.

If you do not get the bill from the issuing bank, such as your own opening bank, this bank is called the ** payment bank, and the final payment bank is still the issuing bank.

The drawer of the bank draft is actually the consignor, that is, the consignor pays part or all of the face amount to the bank, and the bank issues a spot or usance acceptance bill with the bank as the payer, that is, the payer of the bill is the issuing or accepting bank.

A cashier's check, on the other hand, is issued by a bank and draws on demand with itself (the bank) as the payer.

First, the reference is different.

1. Drawer: It is a legal person, other organization or individual that issues bills and delivers them to others.

2. Payer: The drawer orders the payment of the bill, and the payer only becomes the debtor of the bill after signing and sealing the bill and confirming the payment responsibility (such as acceptance).

Second, the responsibilities are different.

1. Drawer: The payee and the legitimate bearer bear the guarantee responsibility that the bill must be paid or accepted when prompting payment or acceptance. Refers to the person who issues the instrument in the manner prescribed by law and delivers the instrument to the payee.

2. Payer: refers to the person who entrusts the drawer or drawer to pay the amount of the bill of exchange as recorded in the bill. The payer does not become the debtor of the instrument ex officio because of the payment entrustment of the drawer, but must be accepted by it in order to become the debtor of the instrument.

Once the payer is accepted, it becomes the acceptor and is the main debtor of the bill of exchange.

Third, the treatment is different.

1. Drawer: The drawer of a check is an enterprise, other organization or individual that has opened a check deposit account in a bank, urban credit cooperative or rural credit cooperative approved by the People's Bank of China to handle check deposit business.

2. Payer: The name of the payer is the absolute record of the bill of exchange or check, if the name of the payer is not recorded on the bill of exchange and check, the bill will be invalid. Because the bearer will not know to whom to prompt acceptance and to whom to prompt payment, and the bill of exchange and the check are entrusted **, do not record the name of the payer, then the drawer's entrusted payment relationship cannot be established.

The payer of the bank draft is (the issuing bank).

The bill issued by the issuing bank shall be unconditionally paid to the payee or bearer according to the actual settlement amount at the sight of the bill. The issuing bank of the bank draft is the bank approved by the People's Bank of China to issue the bank draft.

After receiving the bill of exchange issued by the bank, the payment voucher shall be prepared according to the "bank draft application form (stub)", and if there is any excess money, or the bill of exchange is returned due to reasons such as exceeding the payment period, the receipt voucher shall be prepared according to the bank's excess payment notice.

A bank draft refers to a bill issued by the issuing bank and unconditionally paid to the payee or bearer according to the actual settlement amount at the sight of the draw. The issuing bank of the bank draft is the payer of the bank draft.