What can be considered is that employees directly deposit money into the account of company A, and then transfer it to company B through company A, and then transfer it to company B after the loan is issued, and then company B returns to company A, and company A collects cash from the bank and returns it to employees.
Remittance bank refers to the bank entrusted by the remitter to handle remittance business. In international trade, it is usually the bank of the importing country.
When the remittance bank accepts the remittance application, the contractual relationship and effectiveness between it and the remitter are established. The remittance bank should handle the remittance according to the contents of the remittance application and the selected remittance method, and hand over the money to the payee correctly.
If the remitting bank does not meet the requirements of remittance application, the remitting bank shall bear the error; If it is not in place in time or there are mistakes or omissions, or problems caused by mistakes or omissions of the remitting bank and the collecting bank, it is necessary to find out the reasons and distinguish the responsibilities according to the specific circumstances.
The receiving bank can also be called the remittance bank. When the remitting bank receives the LaSalle customs declaration form, remittance voucher in triplicate and remittance voucher in quadruplicate sent by the remitting bank, it should review whether the special seal of LaSalle on the triplicate remittance voucher is consistent with the seal on the LaSalle customs declaration form, and handle it according to the following procedures after it is correct.
If the payee of direct payment opens a deposit account with the remittance bank, the bank shall directly transfer the remittance to the payee's account, and use the third remittance voucher as the transfer credit voucher for the transfer. After remittance, the remittance bank shall affix the transfer stamp on the fourth remittance voucher and give it to the payee for collection notice.
If the payee who does not directly receive the money does not open a deposit account with the remittance bank, the bank will use the third remittance voucher as a credit voucher to transfer the money into the remittance and temporary deposit account.
Remittance banks only pay for accounts and will not accept them. After the account is cleared, no interest is paid. At the same time, the remittance bank should register the "Huiye Register", compile the remittance sequence number on the remittance voucher, and keep the fourth remittance voucher for safekeeping, so as to inform the payee to withdraw money.
When the payee of the remittance bank withdraws money from the bank with the withdrawal notice, he should submit his identity certificate, fill in the name, number and issuing authority of the certificate in the blank, and sign the payee's seal at the same time. Remittance banks will strictly review and go through the payment procedures after the review is correct.