Payment and settlement refers to the behavior of units and individuals using bills, bank cards, remittances, collection and acceptance, entrusted collection and other settlement methods for monetary payment and fund settlement in social and economic activities.
The bank is the intermediary of payment settlement and fund settlement.
Second, the main payment tools used for payment and settlement
At present, the non-cash payment tools used in China mainly include "three tickets and one card" and settlement methods. "Three tickets and one card" refers to three kinds of bills (bills of exchange, promissory notes and checks) and bank cards, and the settlement methods include exchange, collection and acceptance and entrusted collection.
Extended data:
Special deposit account:
Special deposit account is a bank settlement account opened by depositors in accordance with laws, administrative regulations and rules for special management and use of their special funds.
To apply for opening a special deposit account, the applicant shall issue the basic deposit account Account Opening Certificate, basic deposit account Account Opening Registration Certificate and the following documents to the bank:
First, the basic construction fund, renovation fund, policy real estate development fund, housing fund and social security fund shall be approved by the competent department.
Two, extrabudgetary funds, should be issued by the financial sector to prove.
Three, grain, cotton, oil purchase funds, should be approved by the competent authorities.
Four, the unit bank card reserve, should be in accordance with the provisions of the articles of association of the bank card approved by the people's Bank of China issued relevant certificates and materials.
Five, securities trading settlement funds, should be issued by the securities company or the securities management department.
Six, futures trading margin, should be issued by the futures company or the futures management department.
Baidu encyclopedia-bill settlement