票據(jù)交換的介紹

票據(jù)交換的介紹

　　票據(jù)交換，亦稱票據(jù)清算，一般指同一城市(或區(qū)域)各金融機(jī)構(gòu)對(duì)相互代收、代付的票據(jù)，按照規(guī)定時(shí)間和要求通過(guò)票據(jù)交換所集中進(jìn)行交換并清算資金的一種經(jīng)濟(jì)活動(dòng)。接下來(lái)小編為大家整理了票據(jù)交換的介紹，希望對(duì)你有幫助哦!

　　Every bank must make payment for checks (notes) drawn on funds deposited with it. And every bank must collect payment for checks (notes) deposited with it but drawn on other banks. This is why the checks (notes) clearing becomes necessary.

　　Checks (notes) Clearing is regarded as an economic operation of clearing funds which are resulted from the checks (notes),deposited with but drawn on each other among the banks in the same city through the clearing house.

　　The clearing process is as follows: every bank should send the checks (notes) deposited with it but drawn on other banks to the clearing house at a specific time. After offsetting the amount of checks (notes) receivable and that of checks (notes) payable, the banks which have favorable balances will increase their deposits in the People's Bank Of China. On the contrary, the banks which have adverse balances will decrease their deposits in the People's Bank of China.

　　Every check (note) sent to the clearing house has a receiving bank and a paying bank. The amount of checks (notes) receivable is, of course, equivalent to that of checks (notes) payable. Therefore, at every time of clearing, the total amounts on both sides of the clearing house's balance sheet are always equal.

　　With the development of computer technology, the clearing houses in some countries have introduced computers to deal with (notes) clearing. It not only saves a great deal of labor, time, and expenses, but also shortens the process of clearing funds and speeds up the circulation of money.

　　每家銀行必須對(duì)本行為付款人的支票(票據(jù))進(jìn)行支付，還必須對(duì)其他行為付款人的支票(票據(jù))收取款項(xiàng)。這就是為何必須進(jìn)行票據(jù)交換的原因。

　　支票(票據(jù))是同一城市中各銀行相互貸收、代付的票據(jù)，通過(guò)交換所進(jìn)行交換并清算資金的一種經(jīng)濟(jì)活動(dòng)。

　　票據(jù)交換的過(guò)程如下：每家銀行在一規(guī)定的時(shí)間把代收代付的(支票)票據(jù)送到交換所，將應(yīng)收票據(jù)和應(yīng)付票據(jù)的金額抵消以后，有順差的銀行將在人民銀行的賬戶內(nèi)增加存款。相反，有逆差的銀行將在人民銀行的賬戶內(nèi)減少存款。

　　送到交換所進(jìn)行交換的每張支票(票據(jù))都有收款行和付款行。當(dāng)然，應(yīng)收支票(票據(jù))金額與應(yīng)付支票(票據(jù))金額相等。所以，在每次交換時(shí)，票據(jù)交換所資金平衡表兩邊的總金額總是相等的。

　　隨著計(jì)算機(jī)技術(shù)的發(fā)展，一些國(guó)家的票據(jù)交換所引進(jìn)計(jì)算機(jī)來(lái)處理票據(jù)交換，這不僅節(jié)約了大量的勞動(dòng)、時(shí)間，以及費(fèi)用，而且縮短了清算資金的時(shí)間，加快了貨幣流通。