Which settlement methods are available for intra city, which are for off site, and which are both40

Intra-city settlement: check, cashier's check.

The settlement methods in different places are: bank draft.

Commercial bills, exchanges, entrusted collections and off-site collection and acceptance.

The settlement methods that are applicable to settlement in the same city and settlement in other places are: bank draft, commercial draft, and exchange.

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For example, cash payment, Alipay can also be used, WeChat, online banking, etc. Same-city: checks and cashier's checks, both in the same city and in different places: commercial acceptance drafts, bank drafts, bank acceptance drafts in different places.

However, the entrusted collection settlement method can be handled in the same city or other places, and is not limited by the starting point of the amount.

The details are as follows.

1. Only applicable to settlement methods in the same city: cashier's check, check. (Bank draft, mainly applicable to remote settlement; However, it can also be settled in the same city. )

2. Only applicable to settlement methods in other places: bank draft, exchange, collection and acceptance, letter of credit.

3. Settlement methods applicable to both the same city and other places: commercial bills, credit cards, and entrusted collections.

4. Units and individuals can use bills of exchange, promissory notes, and checks.

5. Only "commercial bills and letters of credit" can only be used by units, not individuals. Others can be used by both organizations and individuals.

6. Only "collection and acceptance" have the requirements of state-owned enterprises and the starting point of settlement. Note: The main bank settlement methods are:

Bank drafts, cashier's checks, commercial drafts, checks, exchanges, entrusted collections, collection and acceptance, etc. Commercial bills and entrusted collections are not subject to geographical restrictions.

Cheques and cashier's checks are applicable to the same clearing area, commercial acceptance drafts, bank drafts, and bank acceptance drafts can be used in the same city and other places.

Same-city: cheques and cashier's checks, both in the same city and other places: commercial acceptance drafts, bank drafts, bank acceptance drafts.

Non-local: collection and commitment.

China's current bill settlement methods include: check, bank cashier's check, bank draft, commercial draft. These bill settlement methods are divided into three categories: intra-city settlement, non-local settlement and general settlement according to whether cross-regional settlement can be carried out.

The same ticket area is not exactly the same as the same city. Checks can be used across cities in the same ticket area.

On June 25, 2007, the People's Bank of China completed the construction and promotion of the national check image exchange system, realizing the interoperability of checks nationwide. However, at present, only the opening bank of both the receiving and paying sides has joined the national check image exchange system to use the check in another place, and the payee can only collect money through the bank entrustment, and there are restrictions on the amount, so there are not many check settlement methods used when receiving and paying in other places.

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Same-city: checks and cashier's checks.

Non-local: collection and commitment.

Acceptable in the same city and in different places: commercial acceptance draft, bank draft, bank acceptance draft.

Transfer settlement method.

1) Intra-city transfer and settlement methods.

a. Cheque. b. Cashier's check.

2) Non-local transfer and settlement methods.

a. Remittance. b. Bank draft.

c. Collection and acceptance.

3) Intra-city and non-local general settlement methods.

a. Commercial bills.

b. Entrusted collection.

c. Credit card.

Individuals cannot use collection commitments.

Collection commitments cannot be used by individuals.

Billing method. It is the specific organizational form of handling the settlement business, and Paipai currently has intra-city settlement and non-local settlement of missing greeting codes, so what are the remote settlement methods?

1. Intra-city settlement: check, cashier's check.

2. The settlement methods in different places are: bank draft.

Commercial bills, exchanges, entrusted collections and off-site collection and acceptance.

3. The settlement methods that are applicable to settlement in the same city and suitable for settlement in other places are: bank draft, commercial draft, and exchange.

4. The settlement method refers to the procedures and methods for realizing the receipt and payment of currency between enterprises or between enterprises and other units or individuals in a certain form and conditions, which are divided into cash settlement and transfer settlement.

5. Cash settlement is in the form of direct receipt and payment of cash. Settle the current payments due to commodity transactions, labor services, etc. The transfer settlement refers to the transfer of money from the deposit account of the payment unit to the deposit account of the receiving unit through the bank in the form of transfer and clearing.

In addition to the cash settlement that can be made in accordance with the prescribed cash use range, the rest must be settled by bank transfer.

6. The settlement method is the specific organizational form of the settlement business. It is an important part of the settlement system. The main contents of the settlement method include:

The place, time and conditions for payment of commodity transactions, the conditions for the transfer of commodity ownership, the settlement vouchers and the procedures and methods for their transmission, etc.

The above is an introduction to the content of the remote settlement methods.

There are four specific ways of off-site settlement: collection and acceptance.

Exchange and commercial bills.

Bank draft. It is mainly used for transfer and settlement when the two parties to the commercial settlement are not in the same city, or the same city cannot handle the same city settlement due to account opening and other reasons.

Further information: 1. The specific operation of the method of settlement in different places is carried out by the head office of the People's Bank of China.

Formulate. In addition, "letter of credit" is also used for remote settlement like "commercial bill", but both can only be used by enterprises, and cannot be used by individuals. The settlement of "collection and acceptance" requires that the enterprise is a state-owned enterprise, and there are clear provisions on the starting point of settlement.

For individual groups, the main settlement method.

There are: money orders, checks, cashier's checks.

2. Non-local settlement is the symmetry of "intra-city settlement". It is also known as "inter-port settlement". The settlement is made if the two parties are not in the same city.

In large and medium-sized cities, although they belong to the same city, but the opening bank does not participate in the settlement of the same city bill exchange, it is generally handled according to the settlement in other places. The head office of the People's Bank of China shall formulate a unified settlement method for settlement in different places in China, which will be used throughout the country. The format and content of the remote settlement voucher.

the number of connections and the method of use, etc.; It is also uniformly regulated with the settlement method. The settlement methods used in foreign settlement mainly include: collection and acceptance, exchange (including letter transfer, telegraphic transfer, bill exchange), letter of credit, entrusted bank collection, etc.

3. In order to enable commodity trading and settlement business to be carried out normally, China's settlement system stipulates that the following three principles must be followed in handling settlement: Money and goods are cleared. That is, the seller must deliver the goods on time, and the buyer must pay according to the regulations, and shall not default on the payment and unreasonably refuse to pay the payment.

Safeguard the legitimate rights and interests of both parties and payers. Both parties should strictly fulfill the relevant terms of the contract and implement the provisions of the settlement system. Banks should proceed from the interests of the whole in organizing settlement work and should not take sides with any party.

Advances will not be made by the bank. Brother Xian Bank provides settlement services for enterprises, and is only responsible for transferring money from the payer's account to the payee's account, and cannot advance money on behalf of the payee. When an enterprise entrusts a bank to make a payment, it must be in a bank account.

sufficient funds; When entrusting a bank to receive money, you must wait for the payment to be received before you can use it.

Legal analysis: The bills that can be used in the same city, in different places or in the same exchange area are bank drafts.

Legal basis: Negotiable Instruments Law of the People's Republic of China

Article 7 The signature on the bill shall be a signature, seal or signature with a seal.

The signature and seal of the legal person and other units using the bill on the bill shall be the seal of the legal person or the unit plus the signature of its legal representative or its authorized person.

The signature on the instrument shall be the real name of the party. Round-robin.

Article 8 The amount of the bill shall be recorded in both Chinese capitals and numbers, and the two must be consistent, and if the two are inconsistent, the bill shall be invalid.

Article 9 The items recorded on the negotiable instrument must comply with the provisions of this Law.

The amount, date, and name of the payee shall not be changed, and the changed bill shall be invalid.

For other items recorded on the bill, the original person may change them, and the change shall be certified by the signature and seal of the original person.

In January 2006, he took the self-study exam "Financial Management" and asked 5 multiple-choice questions.

Among the following settlement methods, which can be used for both intra-city and non-local settlements, is ( )aExchange and settlement methods.

b.Settlement method of entrusted collection.

c.Cheque clearing method.

d.Bank draft settlement method.

See the answer explainedCorrect Answer:bProofreading Answers:The settlement method of entrusted collection can be handled in the same city and other places, and is not limited by the starting point of the amount.

See page 152 of the textbook.

Answer]: B The applicable area of the payment and settlement of the royal touch assessment in this question. Bank remittance hall bills, commercial bills, and entrusted collection settlement methods can be used for settlement in the same city and in other places; Collection commitments are only applicable to off-site settlements

Cheques are only applicable to intra-city clearing; Intra-city entrustment collection is only applicable to intra-city.

Answer]: or orange b

Analysis: The method of exchange and bank draft is suitable for different places, the method of entrusted collection and settlement can be handled in the same city and the different groups, and the check settlement Changjing is applicable to the same city.