The concept of 1. draft
A bill of exchange is a bill issued by the drawer, which entrusts the drawee to unconditionally pay a certain amount to the payee or holder at sight or on a specified date.
There are three parties to a bill of exchange, namely the drawer, the payer and the payee. Once the bill is introduced, these three basic political parties will exist. With the implementation of bill behavior, there will be non-basic parties such as acceptor, endorser, endorsee and guarantor.
2. Types of bills of exchange
In Bill Law, China, bills are divided into bank bills and commercial bills, and commercial bills are divided into commercial acceptance bills and bank acceptance bills according to different acceptors.
Bank drafts are deposited by the remitter in the local bank and issued by the bank to the remitter for transfer settlement or cash withdrawal in different places.
(1) drawer. Refers to "issuing".
(2) the payee. Refers to the payee, which can be the "remitter" or someone else.
(3) the payer. The issuing bank is the drawee of the bank draft.
A bill issued by the payee or drawee (or applicant for acceptance) of a commercial bill, accepted by the acceptor, and paid by the payee or endorsee on the due date.
Commercial acceptance bills are issued by the payee and accepted by the payer, or issued and accepted by the payer.
(1) The drawer is the payee in the transaction, that is, the seller, or the payer in the transaction, that is, the buyer.
(2) the acceptor, the drawer is the seller, the acceptor is the buyer, the drawer is the buyer, and I am the acceptor.
(3) The payer is the bank where the buyer opens an account.
(4) The payee is the payee in the transaction, that is, the seller.
Bank acceptance bills are issued by the payee or the applicant for acceptance, and the applicant for acceptance applies to the opening bank, and the bank examines and agrees to accept them.
(1) The drawer is the applicant for acceptance.
(2) The payer and acceptor are the accepting bank, that is, the bank where the applicant opens an account.
(3) The payee is the payee who signed the purchase and sale contract with the drawer, that is, the seller.
65438+ 10/month 1 operating characteristics: the sharp loss of deposits inhibits credit growth. The combined effect of seasonal and trend factors caused the loss of 5438+ 10/0.8064 billion deposits in June this year. Considering the factors of tax collection, the general deposits of commercial banks dropped by more than I1trillion, and the credit of joint-stock banks hardly increased due to the tension in loan-to-deposit ratio, and the new share dropped to 5%. In June, 5438+ 10, the loans of the whole industry increased by 738 1 0, a year-on-year decrease of about 300 billion. Among the four major actors, the proportion of new medium and long-term loans has rebounded. On June 5438+ 10, foreign exchange holdings turned positive, but the sources of funds of commercial banks were still tight and bond allocation was weak.
A phone call, a short message, a company located in Ya 'an, a famous mountain, delivered goods worth 8 million yuan to the swindlers.
On the 22nd, the person in charge of the Economic Investigation Brigade of Mingshan County Public Security Bureau informed the media about the fraud case, saying that Yang (a pseudonym), a legal person of a construction and development company in Shanghai, was arrested by Mingshan police for defrauding a huge amount of goods from a company in Ya 'an, and Mingshan County Procuratorate had approved his arrest according to law on suspicion of contract fraud.
While vigorously developing the bill business, Heze Branch of Industrial and Commercial Bank of China, centering on the benefit center and taking precautions against risks as the premise, took various measures simultaneously, paid close attention to implementation, and strengthened the audit of bank acceptance bill business, which promoted the healthy and sustainable development of the business.
Strictly review the authenticity of business information, and strengthen the consistency between the logistics and capital flow of both sides of the bank acceptance bill trade and the purpose of the applied silver ticket. Strengthen the tracking and inspection of the actual use of the silver ticket after its issuance, and urge the issuing account manager to track the implementation of the trade contract and the actual use of the silver ticket. Take effective measures in time to resolve the risk that the acceptance business of the silver ticket found by the audit is inconsistent with the actual use.
Strengthen the supervision of the operation of acceptance business silver ticket, and standardize the management of business files. In strict accordance with the requirements of the Head Office's credit business supervision and corporate customers' credit business file management, the supervisors of credit business supervise whether there are omissions in each operation link of acceptance business Bank, whether the information provided by the bank bill issuing enterprises is complete and effective, and whether the bank bill file management of acceptance business Bank is standardized, so as to ensure compliance in each link.