保付支票与银行汇票：区别Certified Check vs Bank Draft: The Difference

Certified Check vs Bank Draft: The Difference保付支票与银行汇票：区别

Here are some major differences:以下是一些主要区别：

Certified checks and drafts are used to transact large amounts to the payee. Their only professional relationship is one of trust, and the safety of the funds is a priority for both保付支票和汇票用于向收款人交易大额款项。他们唯一的专业关系是信任，资金安全是双方的首要任务

These methods limit the risk of bouncing, forging, and more. It is because they are supported and insured by the respective banks这些方法限制了弹跳、锻造等的风险。这是因为他们得到了各自银行的支持和保险

 You cannot stop payments or cancel both bank drafts or certified checks. In both cases, banks block or set aside the funds before transferring them to the payee. It means that the transaction ensued at the time when the funds were allocated by the bank. Once initiated, you cannot change unless there are some exceptional circumstances您不能停止付款或取消银行汇票或保付支票。在这两种情况下，银行在将资金转移给收款人之前都会冻结或预留资金。这意味着交易是在银行分配资金时进行的。一旦启动，除非有一些特殊情况，否则您无法更改

When it comes to certified checks, banks usually do not retain the stipulated amount. If funds are sufficient, the bank will provide a green signal to the payer when he writes the certified check. Bank drafts ensure that the payee receives the money and keeps the funds apart from the account when initiating the transaction对于保付支票，银行通常不会保留规定的金额。如果资金充足，银行将在付款人写保付支票时向付款人提供绿色信号。银行汇票确保收款人收到款项，并在发起交易时将资金与账户分开

With a certified check, the writer is the one who issues it, and the bank backs it up. It cannot be done by the bank for the payee. However, a bank will make a bank draft on behalf of the payee and guarantee payment too有了保付支票，作者是签发支票的人，银行支持它。银行不能为收款人完成。但是，银行会代表收款人制作银行汇票并保证付款.

B ank Draft	Certified Check
Bank drafts are payment instruments issued by banks at the request of the payee.	There is no guarantee on checks given by customers. Also, a certified check is similar to a bank draft, except that the bank employee ascertains that the funds are available before signing the check.
Bank drafts are payment instruments issued by banks at the request of the payee.	It is a form of payment that allows companies and individuals to initiate or settle transactions. Here, the bank is liable for the transaction where the drawer holds an account.
Bank drafts are issued by the bank upon customer request. It is then immediately transferred to the bank account. As discussed above, the bank account can either be in the same bank or a different one.	Customers who have accounts with the bank can issue certified checks to pay the specified person or check bearer.
The customer does not need to sign a bank draft. It is a more secure method since the bank officials sign it.	The customer must sign a certified check. A bank certifies a check by adding the word 'certified’ to the signature.
Certified checks are more expensive than bank drafts.	Banks charge a higher fee for certified checks because they are guaranteed.
A bank draft can be lost or destroyed if you want to stop payment.	Payment will be guaranteed by a certified check. Once the certified check is issued, payment cannot be stopped.

银行支票和汇票的主要区别罗列如下：

1、支票的出票人是银行客户，付款人是开立账户的银行，支票是授权书；汇票的出票人、付款人是没有限定的任何人，汇票是委托书。

2、支票是支付工具，只有即期付款，没有远期付款，因而没有承兑，也没有到期日的记载；汇票是支付和信用工具，有即期和远期之分，有承兑行为，也可能有到期日的记载。

3、支票的主债务人是出票人；汇票的主债务人在承兑之前是出票人，在承兑之后是承兑人。

4、支票可以保付；汇票没有。

5、支票对出票人和付款人之间要有资金关系；而汇票不必先有资金关系。

6、支票可以划线；汇票一般不能划线。

7、支票可以止付；汇票承兑后，付款是不可撤销的。

8、支票只能开出一张；汇票可以开出一套。

补充：支票的种类主要有哪些？支票的种类一般有现金支票、转账支票、划线支票、旅行支票、银行支票等。

１、现金支票。现金支票是指存款人用以向银行提取或支付给收款人现金的一种支票。Cash checks. A cash check is a cheque that a depositor uses to withdraw cash from a bank or pay a payee to a payee.现金支票是存款人用来从银行提取现金或向收款人付款的支票。现金支票是指存款人用以向银行提取或支付给收款人现金的一种支票.A cashier's check is a check used by a depositor to withdraw or pay cash from a bank to a payee

２、转账支票。转账支票是由单位签发的，通知银行从其账户上支取款项的凭证。转账支票只能用于转账，不能提取现金。

3、划线支票。划线支票是在支票正面划两道平行线的支票，以区别于一般支票。

４、旅行支票。旅行支票是指银行或旅行社为方便旅游者或出差人员所签发的特种支票。

５、银行支票。银行支票简称支票，存款户向银行签发，要求从活期存款账户上按一定金额付款的凭证。凡在银行开立支票存款账户的，银行给空白支票薄，存户凭以在其存款金额内签发支票。Bank checks. A bank cheque is a certificate issued by a depositor to a bank requesting payment of a certain amount from a demand deposit account. Where a cheque deposit account is opened with a bank, the bank gives a blank cheque book, which the depositor can use to issue a cheque within the amount of his deposit.

银行保函、保兑支票、银行汇票和现金支票有3点不同：

一、四者的概述不同：

1、银行保函的概述：银行保函又称“银行保证书”、“银行信用保证书”，简称“保证书”，银行作为保证人向受益人开立的保证文件。A bank guarantee, also known as a "bank guarantee", "bank credit guarantee", referred to as "letter of guarantee", is a guarantee document issued by the bank to the beneficiary as a guarantor.

2、保兑支票的概述：指付款银行应发票人或受款人的请求，在支票上记载“保付”或“照付”字样的支票。Confirmed Cheque: A cheque in which the paying bank records the words "Confirmed" or "Paid" on the cheque at the request of the drawer or payee.

3、银行汇票的概述：指由出票银行签发的，由其在见票时按照实际结算金额无条件付给收款人或者持票人的票据。Overview of bank draft: refers to a bill issued by the issuing bank and unconditionally paid to the payee or bearer according to the actual settlement amount at the time of seeing the bill.

4、现金支票的概述：指存款人用以向银行提取或支付给收款人现金的一种支票。