A bank draft refers to a bill issued by the issuing bank, which unconditionally pays the actual settlement amount to the payee or holder when the bill is presented. The issuing bank of a bank draft is a bank approved by the People's Bank of China to handle bank drafts.

The difference between bank deposits and other monetary funds is as follows:

1. Different purposes

Bank deposits are to sell products well, and the main marketing strategy is to make products sell well. The purpose is to understand the potential market and sales volume of the product, as well as competitor product information. Only by grasping the market demand can we be targeted, reduce mistakes, and minimize risks

While other monetary funds face a dynamic market environment, in order to achieve the company's established marketing goals, marketing The strategy should promptly adjust the target of price decisions according to market changes.

2. Different core points

Bank deposits bring new opportunities to enterprises, and may also bring new problems, such as the implementation of new laws and new policies, which will have a negative impact on enterprises. Marketing may have beneficial or adverse effects, and grasping the development trends of the environment is an important prerequisite for enterprises to formulate strategic plans.

Other monetary funds avoid direct competition with brand-name products with higher reputations. Famous brand products are in a high degree of product protection.

3. Different tax rates?

The tax rate for bank deposits is 17%, which can be deducted from the tax on goods purchased with value-added invoices; the tax rate for apartments is 4% (commercial) or 6% (industrial). However, input tax cannot be deducted, nor can VAT invoices be issued. At the same time, input tax cannot be deducted for small-scale goods purchased with other monetary funds. ?

4. Different tax rate calculation methods?

The calculation formula for bank deposits is:

Net operating income = operating income - operating expenses - depreciation of productive fixed assets -Production tax +

Net income from renting out houses, net income from renting out other assets, and net rent converted from owner-occupied houses, etc. Net property income does not include premiums received from transferring ownership of an asset.

The calculation formula of net transfer income is: net transfer income = transfer income - transfer expenditure

The calculation formula of other monetary funds is: actual growth rate of per capita disposable income = ( Per capita disposable income in the reporting period/Per capita disposable income in the base period)/Consumer Price Index-100%.

5. Different regulatory authorities

Bank deposits are approved and supervised by the China Banking Regulatory Commission, and it is stipulated that only leasing companies established with their approval can be named "finance".

The borrowing of (short-term) funds from the financial market by other monetary funds does not involve the issue of credit scale, but involves the funds or credit of public deposits. Therefore, the amount of leasing transactions (in order to prevent the systemic risk caused by the long-term use of short-term funds ) should be included in the strict management of credit scale. Thus leasing companies are supervised as lending departments.

6. Different influencing factors

Bank deposits are an important factor that directly affects the size of the market capacity. Other monetary funds are affected by macroeconomic conditions on the one hand, and national income distribution policies and consumption policies on the other. Other monetary funds directly determine the level of consumer purchasing power.

Baidu Encyclopedia - Other Monetary Funds

Baidu Encyclopedia - Bank Deposits

Baidu Encyclopedia - Bank Draft