票據交換的介紹
票據交換的介紹
票據交換，亦稱票據清算，一般指同一城市(或區域)各金融機構對相互代收、代付的票據，按照規定時間和要求通過票據交換所集中進行交換并清算資金的一種經濟活動。接下來小編為大家整理了票據交換的介紹，希望對你有幫助哦!
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.
每家銀行必須對本行為付款人的支票(票據)進行支付，還必須對其他行為付款人的支票(票據)收取款項。這就是為何必須進行票據交換的原因。
支票(票據)是同一城市中各銀行相互貸收、代付的票據，通過交換所進行交換并清算資金的一種經濟活動。
票據交換的過程如下：每家銀行在一規定的時間把代收代付的(支票)票據送到交換所，將應收票據和應付票據的金額抵消以后，有順差的銀行將在人民銀行的賬戶內增加存款。相反，有逆差的銀行將在人民銀行的賬戶內減少存款。
送到交換所進行交換的每張支票(票據)都有收款行和付款行。當然，應收支票(票據)金額與應付支票(票據)金額相等。所以，在每次交換時，票據交換所資金平衡表兩邊的總金額總是相等的。
隨著計算機技術的發展，一些國家的票據交換所引進計算機來處理票據交換，這不僅節約了大量的勞動、時間，以及費用，而且縮短了清算資金的時間，加快了貨幣流通。