银行相关票据及英文表达

庆祝我447 2022-04-18

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银行相关票据及英文表达Bank-related notes and English presentation

银行票据是指由银行签发或由银行承担付款的票据。主要包括: 银行本票、银行汇票、银行签发的支票等。商业汇票经银行承兑以后，银行成为该票据的第一付款人，因此也具有银行票据的性质。银行本票是由发票人 (银行) 本身支付一定金额的票据;银行汇票是一种汇款凭证，由银行发出，交汇款人寄给异地收款人，凭以兑取汇款。银行支票也是银行的一种债务证券，但与银行本票和银行汇票相比，它能在更大的范围内转让，代替现金流通。支票

支票

支票cheque；check是出票人签发的，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。出票人一般为企业。

1、出票人与付款人之间，必须先有资金关系;

2、支票的基本人同样应有3人，即出票人、付款人和收款人;

3、支票出票人是票据的主债务人，超过期限未能提示或者没有拒绝证书，支票的持有人对出票人以外的前手均丧失追索权，这一点与本票一样;

4、支票的出票人担保支票的付款;

5、支票限于见票即付;

6、支票的付款人限于银行;

7、支票无承兑、参加承兑、参加付款和保证的制度;

8、支票具有保付和划线制度;

9、支付没有拒绝承兑证书，一般没有复本。

折叠
本票cashier's cheque本票

本票是出票人签发的，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。出票人为银行。Bank promissory note

1、本票是无条件支付的承诺，它的付款人应是出票人本人，该承诺对出票人具有法律约束力。汇票时无条件支付的委托(第三人承付)，该委托对第三人并没有《票据法》上的约束力，第三人可以按照委托支付票款，也可以拒绝支付;

2、商业本票基本人只有2个人，即出票人和收款人;商业汇票一般有3个人，即出票人，付款人和收款人;

3、商业本票是自己付款的票款，因此是自付证券。

折叠编辑本段汇票

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。商业汇票分银行承兑汇票和商业承兑汇票。银行承兑汇票是由在承兑银行开立存款账户的存款人出票，向开户银行申请并经银行审查同意承兑的，保证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;商业承兑汇票是由商业信用担保的，由企业出具的。

作为支票的收款人，必须将支票存入出票人开户银行，一般1~2天可以入账。支票现在只能同城交换使用。

作为本票收款人，收款人将本票存入收款人开户银行，由收款开户银行核实后，可以当场入账使用。也只能同城使用。

汇票可以异地使用。作为银行汇票的收款人，华东三省一市的汇票，在华东三省一市的收款人开户银行可以当场查实后，立刻入账使用。如果是全国汇票，一般需要一天，如果开出汇票的银行与收款人开户银行是一家，一般也提供当场入账抵用业务。

商业汇票收款人，同城的在约定的到期日到银行提出委托收款，异地的可以提前3天。同城一般1~2天可以入账，异地一般不超过1周。

商业汇票可以贴现使用。

bank bill

1. (Banking & Finance) Also called: bank draft a bill of exchange drawn by one bank on another

2. (Banking & Finance) Also called: banker's bill US a banknote

Bank drafts—also called banker's drafts, bank check, or teller's check—are just like cashier's checks. They are secure payment options that are guaranteed by the issuing bank—in many cases, for a large amount of money.

How a Bank Draft Works

Consumers have several avenues available when they need secure, certified payment options. They may require them to secure an apartment or for a deposit for a very large purchase. Certified payment options give the payee security, knowing that the funds are available. These options include certified checks, wire transfers, and bank drafts.

Bank drafts—also called banker's drafts, bank check, or teller's check—are just like cashier's checks. They are secure payment options that are guaranteed by the issuing bank—in many cases, for a large amount of money. When a customer requests a bank draft, the representative ensures they have enough money in their account to cover the amount requested. Once verified, the bank withdraws the funds from the customer's account and transfers it to a general ledger or internal account. The bank prepares the draft with the payee's name and the amount. The draft has a serial number—which identifies the remitting customer—watermarks, and may even have micro-encoding—identifying it as a legitimate financial instrument that can be negotiated when presented by the payee to their bank. Since the funds are already withdrawn from the requesting customer's account, the issuing bank ultimately becomes the payer.1

As mentioned above, bank drafts act as a viable and secure form of payment. They may be required by a seller when they have no relationship with a buyer, when a transaction involves a large sale price, or if the seller believes collecting payment may be difficult. For example, a seller may request a bank draft when selling a home or an automobile. Of course, a seller may not collect funds with a bank draft if the bank becomes insolvent and does not honor outstanding drafts, or if the draft is fraudulent.1

Banks normally charge customers for drafts. This means that in addition to the amount of the draft, the requesting customer may be liable for a fee—usually a flat rate, a flat fee based on the total amount of the draft, or for a percentage of the draft. Banks may waive the fee for customers who have a good relationship with the institution or for those who are considered high-net-worth individuals (HNWIs).2

KEY TAKEAWAYS

A bank draft is a negotiable instrument where payment is guaranteed by the issuing bank.
Banks verify and withdraw funds from the requester's account and deposit them into an internal account to cover the amount of the draft.
A seller may require a bank draft when they have no relationship with the buyer.
Banks normally charge a fee for a bank draft.

Special Considerations

Some banks may not put stop payments on drafts once they're issued. That's because the transaction has already taken place, according to their records. If the purchaser wishes to reverse the transaction, the bank usually requires that they redeem the draft for the full amount. In some cases, it is possible to cancel or replace a lost, stolen, or destroyed draft as long as the customer has the right documentation.

Bank Drafts vs. Money Orders

A bank draft and a money order are both prepaid, with a specified amount printed on the instrument itself. Each is considered a secure method of payment from a third-party institution. The payer does not need to carry large amounts of money when using a bank draft or money order. However, a bank draft is a check drawn on a bank’s funds after accepting the amount from the issuer’s account, whereas cash is used when purchasing a money order.1

You can only purchase bank drafts from a bank, while money orders can be purchased from certified stores, post offices, or banks.

Only a bank may issue a bank draft, while an approved institution, such as a certified store, post office, or bank, can issue a money order. Since money orders are often used to launder money, many governments limit how much money can be converted into a money order. Bank draft amounts can be much higher. Due to the limited amounts printed on money orders—and the process banks go through when issuing drafts—money orders cost less than bank drafts. Obtaining a bank draft is more difficult than obtaining a money order because the payer must go to their bank to purchase the draft, rather than using one of the more accessible institutions that sell money orders.