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What should the bank provide when issuing the handling fee invoice?
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Banks should provide valid certificates when issuing commission invoices.
If you need a bank fee invoice, you should take valid documents to the bank counter to open it. The valid documents include a letter of introduction from the company, a copy of the business license and a copy of the legal person's ID card. Handling fee refers to the expenses incurred in the course of handling affairs. Invoice refers to the business vouchers issued and collected by all units and individuals in buying and selling goods, providing or receiving services and engaging in other business activities. It is the original basis of accounting and an important basis for law enforcement inspection by audit institutions and tax authorities.
The handling fee paid for opening an account in a bank may require the bank to issue an invoice. General taxpayers can obtain special invoices for value-added tax from the handling fees paid in bank accounts, and can deduct the input tax according to regulations.
Answered on the homepage of April-12, 2022.
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Accounting practice learning network > How do banks invoice?
Updated: 2022- 12- 16 visits: 1823.
1 knowledge of bank draft
The following is the related content of bank draft knowledge, I hope these contents can bring some help to everyone.
Bank draft refers to the bill that the remitter deposits the money in the local issuing bank, which is issued by the issuing bank and unconditionally pays the payee or the holder according to the actual settlement amount when the bill is seen. Bank draft has the characteristics of flexible use, ticket arrival with people, strong cashability, etc., and is suitable for transactions where payment is made before delivery or money and goods are cleared. All kinds of payments of units and individuals can be settled by bank draft.
Bank drafts can be used to transfer money, and bank drafts marked with cash can also be used to withdraw cash. The payment term of bank draft is within 1 month from the date of issue. If the payment is not paid after the payment deadline, the holder must explain to the issuing bank within the limitation of bill rights, provide his identity certificate or unit certificate, and request payment from the issuing bank with the bank draft and settlement notice.
When paying the purchase price, you should fill in the application for bank draft to the issuing bank, fill in the payee's name, payment amount, applicant, application date and other matters, and sign it, and sign it to reserve the bank seal for it.
The bank accepts the application for bank draft, issues the bank draft after receiving the payment, stamps the issued amount with a counting machine, and then submits the bank draft and the settlement notice to the remitter.
After obtaining the bank draft, the applicant can handle the settlement with the bank draft to the designated payee. The payee of a bank draft may transfer the endorsement of the bank draft to others. Endorsement transfer is limited to the actual settlement amount that does not exceed the issue amount. Bank bills that do not fill in the actual settlement amount or whose actual settlement amount exceeds the issue amount may not be transferred by endorsement.
When receiving the bank draft sent by the payer, the receiving small enterprise shall settle the bill within the amount drawn, and fill the actual settlement amount and excess amount in the relevant columns of the bank draft settlement notice accurately and clearly. If the actual settlement amount of the bank draft is lower than the amount drawn, the excess amount shall be returned to the applicant by the drawing bank. The commodity circulation enterprise that receives the payment should also fill in the bill of exchange and sign the bill at the place where the holder presents the payment signature to the bank on the back of the bill of exchange, and the signature should be the same as the seal of the reserved bank. Then, the bank bill of exchange and the bill of exchange should be submitted to the bank where the account is opened for settlement, and after the bank has verified it, the transfer can be made.
2. Provisions on the use of bank drafts
Provisions on the use of bank drafts:
1) issuance and settlement of bank draft.
The issuance and settlement of bank drafts can only be handled by the banking institutions of the People's Bank of China and commercial banks participating in "national interbank transactions". The settlement of transfer bank draft issued by inter-system banks shall be offset by submitting the bank draft settlement notice to the relevant banks in the same city for review and payment through the same city bill exchange. In the provinces, autonomous regions and municipalities directly under the central government, and in the economic regions across provinces and cities, it shall be handled in accordance with the relevant provisions. When the remitter who opens an account in a bank that cannot issue a bank draft needs to use the bank draft, he should transfer the money to a nearby bank that can issue a bank draft for handling.
2) All bank drafts are registered.
The so-called registered name means that a specific person is designated as the payee in the bill of exchange, and no one else has the right to receive the money; However, if the designated payee transfers the right of payment to the designated payee by endorsement, the designated payee has the right of payment.
3) There is no limit on the starting amount of bank draft.
According to the Law of the People's Republic of China on Negotiable Instruments and the Measures for the Implementation of Negotiable Instruments Management, the head office of the People's Bank of China has comprehensively revised and improved the bank settlement measures, and formed the Measures for Payment and Settlement. The new "Payment and Settlement Measures" cancels the restriction of 500 yuan, the starting point of bank draft amount.
4) The payment period of bank draft is 1 month.
The payment period mentioned here refers to the period from the date of issuance to the date of payment. The term "one month" here refers to a month from the date of issuance, regardless of the size of the month, to the corresponding date of next month. For example, if the issuance date is March 5, the payment period will end on April 5. If the due date falls on a holiday, it can be postponed. Overdue bills of exchange will not be processed by the paying bank.
Bank draft refers to the bill issued by the issuing bank and unconditionally paid to the payee or holder according to the actual settlement amount at sight. The drawer bank of a bank draft is the drawee of the bank draft. It is mostly used to handle transfer settlement and cash withdrawal in different places, especially bills that are unconditionally paid to the payee or holder according to the actual settlement amount at sight. Bank draft has the characteristics of flexible use, ticket arrival with people, strong cashability, etc., and is suitable for commodity transactions where payment is made before delivery or money and goods are cleared.
Is there any bank in China that can use invoices for loans?
Are there any banks in China that can use invoices for loans? To be precise, it is called invoice financing, and all major banks carry out this business.
Handling conditions:
(1) The invoice range for domestic invoice financing:
1, VAT invoice issued for selling goods to enterprise legal persons.
2. Invoices issued for selling goods to schools, hospitals and other institutions as legal persons.
3. Invoices issued due to government procurement activities organized by the procurement departments of governments at or above the prefecture level (inclusive).
4. Other invoices recognized by the bank that can handle domestic invoice financing business.
(2) An invoice and its corresponding accounts receivable must meet the following conditions:
1, the invoice is true, legal and valid, the face elements are consistent with the contents of the commodity transaction, and meet the requirements of the purchase and sale contract;
2. The goods listed in the invoice are the main products of the seller;
3. The repayment period of accounts receivable is generally not more than 6 months, and the longest is not more than 9 months;
4. The ownership of the accounts receivable is clear and flawless, and the seller has not transferred it to any other person, nor has it set any pledge and other priority rights for any other person.
(3) Domestic invoice financing business shall not be handled for the following invoices:
1, the accounts receivable corresponding to the invoice have expired;
2. Invoices formed by the buyers and sellers for providing services or dealing in commodities that are not easily priced in the market, such as franchising, patents, trademarks and intellectual property rights;
3. Other invoices identified by the bank as unsuitable for domestic invoice financing.
4. Relationship between basic account and general account of the company and billing
As far as accounting and tax law are concerned, as long as your company's operating income is invoiced, some tax bureaus can't check it because of personal account, so you can evade taxes. But if you are a general account, it's better to open it. As long as the tax bureau checks it, you can definitely find it. Just like you are a basic account, you can choose not to invoice it, as long as the tax bureau doesn't check it, it will be difficult to find it.
According to the provisions of the measures for the administration of RMB bank settlement accounts:
The bank settlement account opened by the depositor in the name of the company shall be the bank settlement account of the company. Unit bank settlement accounts are divided into basic account, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.
1. basic account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment.
2. A general deposit account is a bank settlement account opened by a depositor in a banking institution other than the bank in basic account for borrowing or other settlement needs.
3. Special deposit account is a bank settlement account opened by depositors for special management and use of their special-purpose funds in accordance with laws, administrative regulations and rules.
4. Temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within the prescribed time limit.
At the same time, it also stipulates that:
1. Depositors of corporate bank settlement accounts can only open one basic account in the bank.
2. basic account is the depositor's host account. The receipt and payment of funds for depositors' daily business activities and the withdrawal of wages, bonuses and cash shall be handled through this account.
3. The general deposit account is used to handle the deposit of depositors' loans, loan repayment and other settlement funds. The account can be used for cash deposit, but not for cash withdrawal.
Company accounts are divided into: capital verification account and basic deposit account general account. The opening steps are as follows: first open a capital verification account, then open a basic deposit account account, and finally open a general account. The usage and relationship of each account are as follows:
The capital verification account is mainly used for capital verification when registering a company. This account can only deposit funds, but can't take them out. Only when the company's business license, code certificate and tax registration certificate are handled, can the funds be taken out after basic deposit account is opened.
Basic deposit account is mainly used as a company account for saving money, withdrawing money and transferring money. Each company can only have one basic deposit account. This account is a company's normal account, and funds can be deposited or withdrawn at any time. The way to withdraw funds is to withdraw them by company cash check or transfer check.
General accounts are mainly used for transfer. A company can open multiple general accounts in each bank, which can only be opened on the premise of basic deposit account. General accounts can deposit or withdraw funds at any time, but the funds withdrawn must be transferred to the company's basic deposit account by company transfer check, and then withdrawn by company cash check.
The above is the whole content of how to make out invoices for banks compiled by Nanning Hengqi Accounting Training.
Second, I failed to apply for a loan in Rong360. Do I need to get these information back from the bank? Manager Huang, I want to ask if I can't pass the credit check.
It's useless. It needs to be reprinted.
Third, I asked about the online loan, and the application was unsuccessful. I asked for the return of the running capital, and the other party ...
Don't go to the loan for informal online loans, so as not to be deceived. In addition to good loans, you can go to regular big platforms for online goods, such as: Alibaba's loan, Baidu's rich flowers, JD.COM's gold bars and so on.