(1) According to the drawer, bills of exchange are divided into bank bills and commercial bills. The drawer and drawee of a bank draft are both banks. After the bank draft is drawn by the bank, it is handed over to the remitter, who sends it to the foreign payee to withdraw money from the paying bank. This kind of remittance is called bill remittance, also known as forward remittance method or remittance method. After the draft is issued, the bank that undertakes the draft must send a notice of withdrawal to the foreign paying bank, so that the paying bank can check it when the payee draws money with the draft, and pay after it is verified. Most bank drafts are clean and have no documents attached. The drawer of a commercial bill is an enterprise or an individual, and the payer can be an enterprise, an individual or a bank. In international trade settlement, the draft issued by the exporter when collecting the payment from the foreign importer is a commercial draft. The drawer of a commercial bill does not need to send a notice of payment to the payer, usually a bill with shipping documents attached.
(2) According to the different payment methods, bills of exchange can be divided into sight bills and time bills. (1) sight draft or sight draft refers to the bill that is paid immediately when presented or seen. (2) A time bill or a time bill refers to a bill payable within a certain period of time or on a specific date.
(3) According to whether documents are attached, bills of exchange are divided into clean bills and documentary bills. The circulation of clean tickets depends entirely on the credit of the parties, that is, the credit of the drawer, payer or endorser. Party bills with good credit are easy to circulate in the market. Most bank drafts are clean. (2) Documentary bills are bills with shipping documents. In addition to the credit of the parties, a documentary bill also guarantees the goods. Commercial bills of exchange are generally documentary bills.
(4) According to different acceptors, bills of exchange can be divided into bank acceptance bills and commercial acceptance bills. (2) A commercial acceptance bill (Trader) is a long-term bill accepted by a firm or individual. Bank acceptance bills are based on bank credit, and commercial acceptance bills are based on commercial credit. Therefore, the credit degree of bank acceptance bills is higher than that of commercial acceptance bills.
(5) According to the different currencies used, bills of exchange can be divided into local currency bills and foreign currency bills. (2) Foreign currency bills (foreign currency bills) are denominated in foreign currencies, and are generally calculated in local currency when paying the payee.
(6) According to whether the place of payment and the place of acceptance are the same, bills of exchange are divided into direct bills and indirect bills. ② The place of acceptance of indirect bills is different from the place of payment, and the place of payment should be indicated when accepting. Most bills of exchange used in international trade are direct bills of exchange.
(7) According to the different circulation regions, bills of exchange are divided into domestic bills of exchange and foreign bills of exchange. ① The drawing, payment and circulation of domestic bills (inland Bi 1 1) are all in one country. (2) A Foreign Bill in which one party's place of issue and place of payment are abroad or both parties are abroad, which can be in more than two countries. (2) According to the different payment methods, bills of exchange can be divided into sight bills and forward bills. (1) A sight draft or sight draft is a draft payable immediately upon presentation or sight. (2) A time bill or a time bill refers to a bill payable within a certain period of time or on a specific date.
(3) According to whether documents are attached, bills of exchange are divided into clean bills and documentary bills. The circulation of clean tickets depends entirely on the credit of the parties, that is, the credit of the drawer, payer or endorser. Party bills with good credit are easy to circulate in the market. Most bank drafts are clean. (2) Documentary bills are bills with shipping documents. In addition to the credit of the parties, a documentary bill also guarantees the goods. Commercial bills of exchange are generally documentary bills.
(4) According to different acceptors, bills of exchange can be divided into bank acceptance bills and commercial acceptance bills. (2) A commercial acceptance bill (Trader) is a long-term bill accepted by a firm or individual. Bank acceptance bills are based on bank credit, and commercial acceptance bills are based on commercial credit. Therefore, the credit degree of bank acceptance bills is higher than that of commercial acceptance bills.
(5) According to the different currencies used, bills of exchange can be divided into local currency bills and foreign currency bills. (2) Foreign currency bills (foreign currency bills) are denominated in foreign currencies, and are generally calculated in local currency when paying the payee.
(6) According to whether the place of payment and the place of acceptance are the same, bills of exchange are divided into direct bills and indirect bills. ② The place of acceptance of indirect bills is different from the place of payment, and the place of payment should be indicated when accepting. Most bills of exchange used in international trade are direct bills of exchange.
(7) According to the different circulation regions, bills of exchange are divided into domestic bills of exchange and foreign bills of exchange. ① The drawing, payment and circulation of domestic bills (inland Bi 1 1) are all in one country. (2) One party's place of issue and place of payment are abroad or both parties are abroad, and the bill can be a Foreign Bill in more than two countries.
Release process:
1, sign a commodity trading contract;
2. Submission of materials;
3. Submit for approval;
4. Ratification;
5. Sign the acceptance agreement, sign the acceptance and collect relevant fees;
6. Delivery of bills;
7, due to collect the fare;
8. Entrusted collection;
9. Issue bills and entrusted receipts;
10, transfer the fare or refuse to pay;
1 1. Received payment or returned bill and refused to provide proof.