支票、汇票、电汇、保函的区别

支票、汇票、电汇、保函的区别 银行结算业务常识 一、 银行结算方式介绍 办理国内支付结算可使用票据、汇兑、托收承付、委托收款等多种结算方式。 (一)票据 1(支票 支票是由出票人签发的,委托办理支票存款业务的银行或者其他金融机构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。 1.1出票人是签发支票的单位或个人，付款人是出票人的开户 银行。 1.2支票适用范围为同城，付款期为壹拾天。 1.3支票分为现金支票、转账支票和普通支票。现金支票只能 用于支取现金;转账支票只能用于转账;普通支票可以 用于支取现金，也可用于转账，在普通支票左上角划两 条平行线的划线支票只能用于转账。单位间的购销往来 应使用转帐支票。 1.4转帐支票可由出票人在付款行反提进帐，主动付款给收款 人;也可由收款人持票在收款行进帐。 2(汇票 汇票是出票人签发的，委托付款人在见票时或者在指定日the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes 期无条件支付确定的金额给收款人或者持票人的票据。 汇票分为银行汇票和商业汇票。 2.1 银行汇票:是出票银行签发的、由其在见票时按实际结 算金额无条件支付给收款人或持票人的票据。 1) 单位和个人的各种款项均可使用银行汇票。银行汇票可用 于转账，填明"现金"字样的银行汇票可用于支取现金,公 司客户只能用于转账结算。 2) 银行汇票可在全国范围内使用，付款期限自出票日起一个 月。银行汇票同城异地均可使用。 3) 汇票经收款人背书以后可以转让，进入市场流通。 2.2商业汇票:是出票人签发的委托付款人在指定日期无条件 支付确定的金额给收款人或持票人的票据。 1)商业汇票根据承兑人的不同分为银行承兑汇票(常用)和 商业承兑汇票。商业承兑汇票由银行以外的付款人承兑， 银行承兑汇票由银行承兑。 2)在银行开立存款帐户的法人以及其他组织之间，必须具有 真实的交易关系或债权债务关系，才能使用商业汇票。 3)商业汇票的付款期限，自出票日起最长不得超过6个月。 4)商业汇票的提示付款期限，自汇票到期日起10日。 3(银行本票 银行本票是由银行签发的、承诺自己在见票时无条件支付确定的金额给收款人或持票人的票据。银行本票分为不定额the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes 本票和定额本票两种，在同一票据交换区域的单位和个人的各种款项支付，均可以使用银行本票。 3.1银行本票可以用于转账，注明“现金”字样的可以支取现 金。 3.2银行本票的提示付款期限自出票日期最长不得超过2个月。 3.3银行本票见票即付。 3.4现金银行本票只适用于个人。 (二)汇兑 汇兑是汇款人委托银行将其款项支付给收款人的结算方式。 1(汇总分为信汇、电汇，电汇分为普通和加急两种，由汇款 人选择使用。 2(汇款回单只能作为汇出银行受理汇款的依据，便于查询， 不能作为该笔汇款已转入收款人帐户的。 (三)委托收款 委托收款是收款人委托银行向付款人收取款项的结算方式。委托收款在同城、异地均可使用，单位和个人凭已承兑的商业汇票、债券、存单等付款人的债务证明办理款项结算，均可以使用委托收款结算方式。 (四) 托收承付 托收承付根据购销由收款人发货后委托银行向异地付款人收取款项，由付款人向银行承认付款的结算方式。托收承付结算款项的划回方法，分为普通和加急两种，由收款the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes 人选用。 1 办理托收承付结算的款项，必须是商品交易，以及因商品 交易而产生的劳务供应的款项。 2 收付双方使用托收承付款项结算必须签有符合《合同法》 的，并在合同上订明使用托收承付结算方式。 3 收付双方使用托收承付款项结算，必须重合同、守信用。 4 收款人办理托收，必须具有商品确已发运的证件(包括铁 路、航运、公路等运输部门签发运单、运单副本和邮寄包 裹回执)。 二、保证(保函)业务介绍 (一) 保函的定义 保证是银行根据申请人的请求，以出具保函的形式，向债权人承诺，当申请人不履行其债务时，由银行按照约定履行债务或承担责任的一项业务。 保函作为银行的一种或有负债，银行在该保函项下承担着一种付款的或有业务。在付款类保函项下，只要受益人完成了所规定的义务，担保银行即会面临支付的可能性;而在信用类保函项下，只要申请人出现了违约行为，就有可能会导致担保银行为履行自己的承诺而做出支付。 (二) 保函的用途 1 保证受益人在其履行了合约义务后将肯定能得到其所应the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes 得的合同价款的权利; 2 保证申请人履行某种合同义务，并在违约时负责对受益人 作出赔偿。 (三) 保函的分类 保函按其具体用途的不同分为投标保函、履约保函、租赁保函等。最常用的有履约保函。 1 投标保函 1.1投标保函是指银行应投标方的请求，向招标方出具的，承 诺如投标方中标后擅自修改报价、撤销投标书或者在规定 时间内不签定招投标项下的合同，银行将根据招标方的索 赔，按照约定承担责任的书面保证。 1.2 投标保函申请人为招标项目的投标方。 1.3在进行投标时，招标方要求投标方提供的投标保证金形式 一般有:支票、汇票、电汇、保函。因汇票的办理快捷且 出具成本较低，故一般选择汇票形式。 2 履约保函 2.1履约保函是指银行应债务人的请求，向债权人出具的，承 诺如债务人不履行商务合同约定的义务，银行将根据债权 人的索赔，按照约定承担责任的书面保证。 2.2履约保函申请人为商务经济活动中的债务人。 (三)保函的费用 保函的费率为出具保函金额的2.5?，不低于500元。the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes 保证期限在一年以内的，在出具保函时一次性收取费用; 保证期限在一年以上的，按照原加收一次。且保函的 出具金额若在100万元以上，或保证期限超过一年的，保 函申请人还需向出具行提供相当于保函金额30%的保证金 作为反担保。 (四)办理保函注意事项 1(保函申请#格#式已修改，新表格附后。 2(签订合同时供需双方的名称应规范。(应与双方盖章的名 称完全一致) 3(合同中有关保函条款出具时间、期限意思需表达清楚，不 应出现“同时”字样，如以下条款:合同签订后7日后需 方向供方付合同总额30%计100万元作为预付款，同时供 方向需方提供50万元的半年期银行保函„„以上条款 中，关于保函的开具金额及有效期限很明确, 但是出具 的时间含糊不清，原则上应是需方付款后供方再出具保 函，以此保函用来对需方所付款项进行保证。 4(合同中凡有手工改动之处均需双方盖章确认。 5(双方均需在合同侧边盖齐缝章，最后一页合同双方盖章需 清楚，印章不可模糊、重叠。 三、其他 1 填写借支单时需注明详细的开户银行网点，开户时尽量 选择级别高一些的银行网点，各银行网点优先级别为: 分行、支行、分理处、储蓄所。 the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes 2 建议事务所及业务员的储蓄户开通电话银行以方便查询。 3 汇票、支票期限及适用地点及不符合规定的后果 四、附《开具保函申请表》 开具保函申请表 NO( 事务所名称 项目名称 责任业务员 保函种类 保函有效期 至 年 月 日止 保函金额 受益人 申请人 签名, 日期, 年 月 日 审批人 签名, 日期, 年 月 日 注:1(保函种类分为投标保函和履约保函，申办保函应于开标或合同约定日前7个工作填写 此表，并总经理批准。 2(投标保函须提供邀标函，履约保函需提供合同、发票或收款记录。 3(受益人须注明其全称，需与邀标函或购销合同中的名称完全一致。 4(保函自银行出具之日起生效，到期自动失效，责任业务员在有效期满后7日内收回保 函交公司财务部。 the oil level to the normal oil level. (2) for the secondary prevention of the leakage of cooling water pipe fittings, valve parts before installation to check ... 4.2 measures to eliminate quality defects of cables cable laying in front of the cable construction, design, supervision and construction units to deliver the design, and drawing the third. Combined the engineering field to find fault, adding omitted items. Because the unit used computer DCS control and adds a great deal of control and signal cables. So you should carefully review, checks for missing physical cable, ready for construction and to verify cable length, specifications, familiar with the cable channel and the device location and bracket cable bracket on the section number. At the time of preparation of the inventory of cable, first of all, the professional carefully study electrical schematics, in accordance with the principle of accounting the cable path cable volume, the number of cores used, total volume and design inventory check cable to cable with and without omission, laying of the cable in order to ensure the process does not put a cable one cable. Finally, at the time of inventory, prepared to take the same path the cables together. Inventory preparation is completed, later in each enclosure affixed on both sides of each side of the cable you want to lay accurately verify cable lengths and set aside. Bridge should be combined, correcting errors, avoid straight, no cable bridge scaffolding used in the construction, not allowed to use electricity (fire) cutting, fix cable tray, cable tray is not allowed as a welding ground connection or cable tray cannot be used for other processes