A bank draft is a bill issued by the issuing bank and paid unconditionally to the payee or holder according to the actual settlement amount when the draft is presented. 1. The issuing bank of the bank draft is the payee of the bank draft. 2. The following matters must be recorded when issuing a bank draft: (1) The wording indicating the bank draft; (2) The commitment to pay unconditionally; (3) The determined amount; (4) The name of the payer; (5) The name of the payee; (5) The name of the payee; 6) Date of issue; (7) Signature and seal of the issuer. If one of the above-mentioned items is missing, the bank draft will be invalid. 3. The words bank draft are the text of the draft, which is an important symbol that distinguishes it from checks, cashier's orders and other securities. In practice, it is printed on the top of the front of the bill and does not need to be recorded separately by the issuing bank. An unconditional promise to pay is a payment clause. In practice, it is printed on the front of the bill, such as payable on demand, and does not need to be recorded separately by the issuing bank. 4. The determined amount requires that the amount on the bill of exchange must be determined, and it can only be based on money. The amount of the bill must be recorded in accordance with the provisions of Annex 1 of the "Payment and Settlement Measures". If both the applicant and the payee are individuals, the issuing bank can issue a cash bank draft. After the issuing bank receives the cash deposited by the applicant, it will first fill in the word cash in the amount column of the bank draft, and then Fill in the invoice amount and the name of the paying agent bank. The issuing bank shall use a printing machine to emboss the lowercase amount of the issued amount in the issued amount column of the second page (main page) of the bank draft. The amount of the invoice cannot be changed, and the changed bank draft is invalid. 5. The payee of a bank draft is the issuing bank of the bank draft. The payee of the bank draft is the name of the payee filled in the bank draft application form. The payee can be an individual or an organization. The name of the payee cannot be changed, and the changed bank draft is invalid. 6. The date of issuance of the invoice must be written in accordance with the provisions of Annex 1 of the "Payment and Settlement Measures". The date of issuance cannot be changed, and the changed bank draft is invalid. 7. When issuing bank drafts, do not fill in the name of the paying agency, unless otherwise provided by the payment and settlement methods. 8. If the remark column of the application form indicates that transfer is not allowed, the issuing bank shall indicate this in the remark column on the front of the bill. 9. When a commercial bank that uses the People's Bank of China as an agent to redeem bills of exchange issues a bill of exchange to an area with branches, it should fill in the name of the paying agency bank and indicate in the remarks column of the bill that no cross-regional transfer is allowed (area refers to the same bill exchange). district). When issuing a bill of exchange to an area without a branch, the funds must be transferred to the local branch of the People's Bank of China in accordance with regulations, and the bank number of the issuing bank filled in on the bill of exchange and settlement notice must be stamped and "Please transfer it to Bank XX of the People's Bank of China" No.) stamp (can be stamped in advance for later use). 10. If a bill of exchange is used within the inter-provincial or municipal area determined by the Head Office of the People's Bank of China, if the issuing bank does not handle the national joint bank business and needs to be transferred through the national joint bank, the issuing bank filled in the bill and settlement notice After stamping the number, please mark the bank number of XX National Bank (can be stamped in advance for backup). 11. After the filled-in bank draft is verified to be correct, the second copy (the main copy of the bank draft) will be stamped with a special stamp for the draft and the signature or seal of the authorized handler. The signature must be clear. After the issuing bank completes the above items, it will hand over the original copy of the bank draft and the settlement notice to the applicant, and the issuing bank will be completed. Endorsement refers to the act of recording relevant matters on the back of the bill or on the sticky note and signing the bill. When the holder of a bank draft transfers the rights on the bill to another person or grants certain rights on the bill to others for exercise, it must be done in the form of endorsement.