票据结算业务品种

鲁虺

票据结算业务品种&nbsp&nbsp

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　　票据结算业务品种&nbsp&nbsp&nbsp&nbsp&nbsp
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　　支票&nbsp
&nbsp&nbsp&nbsp&nbsp　支票是出票人签发的，委托办理支票存款业务的银行在见票时无条件支付确定的金额给收款人或者持票人的票据。&nbsp&nbsp
&nbsp&nbsp&nbsp&nbsp　1、支票的服务对象&nbsp　
&nbsp&nbsp&nbsp&nbsp　单位和个人在同一票据交换地区的款项结算均可以使用支票。支票的出票人，为在经中国人民银行当地分行批准办理业务的银行机构开立可以使用支票的存款帐户的单位和个人。&nbsp
&nbsp&nbsp　&nbsp&nbsp2、支票的特点&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）无金额起点的限制；&nbsp
&nbsp&nbsp&nbsp&nbsp　（2）可支取现金或用于转账；&nbsp
&nbsp&nbsp&nbsp&nbsp　（3）有效期10天，从签发之日起计算，到期日为节假日时依次顺延；
&nbsp&nbsp&nbsp&nbsp　（4）转账支票可以背书转让；&nbsp
&nbsp&nbsp&nbsp&nbsp　（5）可以挂失。&nbsp&nbsp
&nbsp&nbsp&nbsp&nbsp　3、支票的种类&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）划线支票：在支票左上角划有两条横跨票面的平行线的支票，只可转账，不能取现；&nbsp
&nbsp&nbsp&nbsp&nbsp　（2）一般支票：即未划线支票，亦称“开放支票”，可转账也可取现。&nbsp
&nbsp&nbsp　&nbsp&nbsp4、支票的使用方式&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）签发支票：必须使用墨水或碳素墨水笔填写支票内容和签发日期，但大小写金额和收款人名称不得更改，其它内容更改时须由签发人在更改处加盖预留银行印鉴章，且账户须有足够的支付金额；&nbsp
&nbsp&nbsp&nbsp&nbsp　（2）支票取现：收款人须在支票背面背书；&nbsp
　　（3）支票转账：委托收款的支票或经背书转让的支票须按规定背书；&nbsp
&nbsp&nbsp&nbsp&nbsp　（4）支票挂失：已签发的支票（必须已填写收款人名称）遗失，可以在付款期内向银行申请挂失，如挂失前已经支付，银行不予受理；&nbsp
　　（5）支票的领用与注销：存款人领用支票须填写“支票领用单”，再加盖预留银行印鉴。账户结清时，须将全部剩余空白支票还回开户行注销。&nbsp
　　银行本票&nbsp
&nbsp&nbsp&nbsp　&nbsp银行本票是银行签发的，承诺自己在见票时无条件支付确定的金额给收款人或者持票人的票据。&nbsp
&nbsp&nbsp&nbsp&nbsp　1、服务对象&nbsp
&nbsp&nbsp　&nbsp&nbsp单位和个人在同一票据交换区域需要支取各种款项，均可以使用银行本票。&nbsp
&nbsp&nbsp　&nbsp&nbsp2、银行本票的特点&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）无金额起点限制；&nbsp
　　（2）结算快捷，见票即付。&nbsp&nbsp
　　汇票
&nbsp&nbsp&nbsp　&nbsp汇票是由出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。&nbsp&nbsp
&nbsp&nbsp&nbsp&nbsp　（一）银行汇票　&nbsp
&nbsp&nbsp&nbsp　　&nbsp1、银行汇票的定义：银行汇票是出票银行签发的，由其在见票时按照实际结算金额无条件支付给收款人或者持票人的票据。银行汇票的出票银行为银行汇票的付款人。&nbsp
&nbsp&nbsp　　&nbsp&nbsp2、银行汇票的服务对象：单位和个人各种款项结算，均可使用银行汇票。银行汇票可以用于转帐，填明“现金”字样的银行汇票也可以用于支取现金。&nbsp
&nbsp&nbsp　　&nbsp&nbsp3、银行汇票的特点：&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）无金额起点限制；
&nbsp&nbsp&nbsp&nbsp　（2）无地域的限制；&nbsp
&nbsp&nbsp&nbsp&nbsp　（3）对申请人没有限制，企业和个人均可申请；&nbsp
&nbsp&nbsp&nbsp&nbsp　（4）可签发现金银行汇票（仅限个人使用）；&nbsp
&nbsp&nbsp&nbsp&nbsp　（5）可以背书转让；&nbsp
&nbsp&nbsp&nbsp&nbsp　（6）付款时间较长：银行汇票有效期为1个月；&nbsp
&nbsp&nbsp&nbsp&nbsp　（7）现金银行汇票可以挂失；&nbsp
&nbsp&nbsp&nbsp&nbsp　（8）见票即付；&nbsp
&nbsp&nbsp&nbsp&nbsp　（9）在票据的有效期内可以办理退票。　&nbsp
&nbsp&nbsp&nbsp&nbsp　4、客户如何申请签发银行汇票：&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）提出申请：填写一式三联“银行汇票申请书”；&nbsp
&nbsp&nbsp&nbsp&nbsp　（2）套写：必须用双面复写纸套写；&nbsp
&nbsp&nbsp&nbsp&nbsp　（3）签章：在“银行汇票申请书”的第二联支付凭证联上盖预留银行印鉴。&nbsp
&nbsp&nbsp&nbsp&nbsp（二）商业汇票&nbsp
&nbsp&nbsp　&nbsp&nbsp1、商业汇票的定义：商业汇票是出票人签发的，委托付款人在指定日期无条件支付确定的给收款人或者持票人的票据。　&nbsp
&nbsp&nbsp&nbsp&nbsp　2、商业汇票的种类：按照不同的承兑人可以分为商业承兑汇票和银行承兑汇票两种。由银行承兑的汇票为银行承兑汇票，由银行以外的企事业单位承兑的汇票为商业承兑汇票。　&nbsp
&nbsp&nbsp&nbsp　&nbsp3、商业汇票的特点&nbsp
&nbsp&nbsp&nbsp　&nbsp（1）商业承兑汇票：&nbsp
&nbsp&nbsp&nbsp&nbsp　　①无金额起点的限制；&nbsp
&nbsp&nbsp&nbsp&nbsp　　②付款人为承兑人；&nbsp
&nbsp&nbsp&nbsp&nbsp　　③出票人可以是收款人，也可以是付款人；&nbsp
&nbsp&nbsp&nbsp&nbsp　　④付款期限最长可达6个月；&nbsp
&nbsp&nbsp&nbsp&nbsp　　⑤可以贴现；&nbsp
&nbsp&nbsp&nbsp&nbsp　　⑥可以背书转让。&nbsp
&nbsp&nbsp&nbsp&nbsp　（2）银行承兑汇票的特点：&nbsp
&nbsp&nbsp&nbsp&nbsp　　①无金额起点限制；&nbsp
&nbsp&nbsp&nbsp&nbsp　　②第一付款人是银行；&nbsp
&nbsp&nbsp&nbsp&nbsp　　③出票人必须在承兑（付款）银行开立存款账户；&nbsp
&nbsp&nbsp&nbsp&nbsp　　④付款期限最长达6个月；&nbsp
&nbsp&nbsp&nbsp&nbsp　　⑤可以贴现；&nbsp
&nbsp&nbsp&nbsp&nbsp　　⑥可以背书转让。　&nbsp
&nbsp&nbsp&nbsp　&nbsp4、客户申请和签发商业汇票时的手续&nbsp
&nbsp&nbsp&nbsp&nbsp　（1）签发商业承兑汇票：由收款人或付款人签发；&nbsp
&nbsp&nbsp&nbsp&nbsp　（2）签发银行承兑汇票：&nbsp
&nbsp&nbsp&nbsp&nbsp　　①向银行出示收付款人双方签订的购销合同及“银行承兑汇票申请书”；&nbsp
&nbsp&nbsp&nbsp&nbsp　　②银行按有关规定和程序审核出票人资格、购销合同、资信等，必要时出票人应提供担保；&nbsp
&nbsp&nbsp&nbsp&nbsp　　③符合规定和承兑条件，银行与出票人签订承兑协议，即可承兑银行承兑汇票。
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