How to handle the settlement business? What is Bank Settlement Business?

Give the application to the bank staff.

1. When the company makes inter-bank payments to other places, it is necessary to fill in the settlement business application.

2. The business type is generally selected as wire transfer, if the funds are not very urgent, then you can check the ordinary, and a 30% handling fee will be charged for checking the urgency. Only the payment from the unit settlement account is to fill in the settlement business application, if it is a bank card, then it is an individual remittance unit, and the "individual settlement business application" must be filled

3. If your unit's settlement account and the bank agree to use the payment password, then you need to fill it in. If there is no agreement, then there is no need to fill it in.

Now there is bill filling software, and it is very easy to fill out the settlement business application.

Cheques have been allowed to be used nationwide, that is, as long as the payee of the funds opens an account in a bank that participates in the national large-value payment system, you can issue a cheque to him, and the cheque issued to a non-local customer is entrusted by the non-local customer to its opening bank to collect the money, in this way, the collection time of the non-local customer is slower than that of the wire transfer, and the collection to the payment is at least three working days. If the beneficiary of the funds opens an account in a different place, it can still use telegraphic transfer, that is, the payer will issue a power of attorney for settlement business, and the payer's bank will directly remit to the account of the payee's bank; If the enterprise purchases in a different place, it needs to inspect the goods in person and pay the bill in person, and the enterprise shall issue a power of attorney for settlement business, entrust its opening bank to issue a bank draft, and hand it over to the enterprise to carry to the other place.

1. What is bank settlement?

Answer: It refers to the act of receiving and paying through the transfer of funds in the bank account, that is, the bank accepts the customer's entrustment to collect and pay on behalf of the customer, transfers the money from the deposit account of the payment unit, and transfers it to the deposit account of the receiving unit, so as to complete the liquidation of claims and debts between the economies or the transfer of funds.

2. What are the types of bank settlements?

Answer: The types of bank settlement are: 1) bank draft 5) check 2) commercial draft 6) exchange.

3) Cashier's check 7) Entrusted collection 4) Credit card 8) Collection and acceptance 3. What is a bank draft?

Answer: A bank draft is a bill for the customer to deposit the money with a local bank, and the bank will issue a bill for the remitter to handle the transfer settlement or withdraw cash in a different place.

4. What is a commercial bill?

Answer: A commercial draft is an instrument issued by the payee or payer (or the applicant for acceptance), undertaken by the acceptor, and paid to the payee or endorsee on the maturity date. 5. What is a cashier's check?

Answer: Cashier's check refers to the bill issued by the bank to the customer after receiving the payment to the customer for transfer settlement or cash withdrawal within the same city.

6. What is a cheque?

Answer: The check is a bill issued by the depositor, which entrusts the bank to unconditionally pay a certain amount to the payee or bearer at the sight of the check.

7. What is exchange?

Answer: Remittance is a settlement method in which the remitter entrusts the bank to remit the money to the foreign beneficiary.

There are two types of exchange: mail transfer and telegraphic transfer.

8. What is entrusted collection?

Answer: Entrusted collection is a settlement method in which the payee entrusts the bank to collect money from the payer. 9. What is collection and acceptance?

Answer: collection and acceptance is a settlement method in which the sales unit entrusts the bank to collect the payment from the purchasing unit after the goods are shipped according to the economic contract, and the purchasing unit undertakes the payment to the bank after inspecting the documents or inspecting the goods.

10. What is a credit card?

Answer: A credit card is a credit certificate issued by the bank by which the applicant deposits the money with the bank and opens a deposit account in the bank.

1. Settlement business, also known as "liquidation", refers to the calculation and settlement of monetary relations caused by certain economic behaviors, that is, the parties to the transaction in the social and economic life of the parties to the transaction due to the sale of goods, labor services and other claims and debts are repaid in a certain way, and the settlement is divided into two kinds, cash settlement and transfer settlement, cash settlement refers to the direct payment and settlement of cash to settle the creditor's rights and debts between each other, and this settlement method is costly and unsafe.

2. This method is conducive to commodity circulation and capital turnover, can avoid the risk of a large amount of cash delivery in cash settlement, and the cost is low, at the same time, the bank can timely handle the transfer and settlement from the various currency receipt and payment behaviors, understand the movement and market dynamics of the stupid number of funds, which is conducive to adjusting the amount of money and strengthening the management of currency circulation, so in modern economic activities, cash settlement has taken a back seat, about 90% The monetary receipt and payment behavior is completed through bank transfer settlement.

Bank personal settlement business:

1. Bank draft, bank draft is a customer depositing money in a local bank, and the bank issues a bill for the remitter to go to another place for transfer settlement or cash withdrawal.

2. Commercial bill, commercial draft is issued by the payee or payer (or acceptance applicant), accepted by the acceptor, and paid to the payee or endorsee on the maturity date.

3. Cashier's check, cashier's check refers to the bill issued by the bank to the customer after receiving the payment to the customer for transfer settlement or cash withdrawal within the same city.

4. Cheque, the cheque is issued by the depositor, and the bank entrusted to pay a certain amount of money to the payee or bearer unconditionally at the sight of the cheque.

5. Remittance, remittance is a good way for the remitter to entrust the bank to remit the money to the payee in other places. There are two types of exchange: mail transfer and telegraphic transfer.

6. Entrusted collection, entrusted collection is a settlement method in which the payee entrusts the bank to collect money from the payer.

7. Collection and acceptance, collection and acceptance is a settlement method in which the sales unit entrusts the bank to collect the payment from the purchasing unit after the goods are delivered according to the economic contract, and the purchasing unit undertakes the payment to the bank after the inspection or inspection.

8. Letter of credit, letter of credit is a certificate of credit issued by the bank by which the applicant deposits the money and opens a deposit account in the bank.

As for how to do the settlement and how to do a good job in the project settlement, I believe that the answers of many peers are different. I'll tell you my understanding, I think that in order to do a good job in project settlement, we must do it step by step when calculating. Let's take the renovation project as an example, as follows:

Step 1: Pay attention to the settlement time.

Under normal circumstances, after the decoration of the new house, it will involve a part of the balance has not been settled, and the settlement of this part of the balance, we must pay attention to the settlement time, do not settle immediately after the project has been completed, we should be sure that the furniture is really accepted, and use it for a period of time to see the situation after the settlement, so that if there is a problem, it can also be solved in time.

Step 2: Bring all the settlement tools.

When settling, be sure to bring all the tools, as well as the contract description, understand the construction contract, prepare all kinds of information required for settlement, and understand the construction site, and know the settlement-related projects that occur on the site.

Step 3: If there is a budget, there must be a settlement.

There are many reasons for doing a good settlement, first of all, the most basic budget (it is recommended to do the materials used in the budget, which can be obtained directly from the cost platform), which is the basis for doing the settlement. If you have a budget, you have to have a settlement, and you have to settle according to the budget to understand where the project funds are going.

In addition to the above calculation precautions, it is also necessary to pay attention to prevent some cats, as follows:

Note 1: Calculation of loss amount.

In the process of home decoration, the construction area is relatively small, there are more corner surfaces, and the construction content is richer, the personalization is stronger, and the water, electricity, mud, wood, paint and other types of work are complete. Therefore, its loss is greater than that of general engineering decoration. Most of the commonly used decoration materials are fixed, and they need to be cut and spliced in the specific construction, and there will inevitably be loss in the process of operation, so we must pay attention to the calculation of the loss.

Note 2: Project changes should be seen clearly.

In the process of home decoration, there may be some subjective or objective reasons in the middle of the project need to be changed, if there is a change in the project, the owners should pay attention to see clearly, and do a good job of communication, so as to avoid disputes in the later settlement.

Note 3: Missing items and additions must be clear.

In the early stage, the designer deliberately omitted some necessary items, so that the total price would naturally be reduced, and in the construction, consumers must increase the items in order to achieve their use purposes, and of course, increase the cost; In addition, during the construction of water and circuit renovation, the length of water and circuit pipes is intentionally extended. When the construction is carried out to a certain stage, some changes and additions are reasonable and necessary, which exceeds the provisions of the original contract.

Note 4: The calculation of workload is indispensable.

When settling, you should also pay attention to the calculation of the workload of the contractor, and only by understanding their work can you be prepared in the settlement. In particular, there will be a certain gap between the final settlement and the early budget. How much of a difference is reasonable can be determined depending on the specific situation of the renovation and the amount of work.

In fact, many of the project settlement precautions are similar, the key is to master the method well, pay attention to the details.