1, cashier's check

A cashier's check is a bill that the applicant deposits money in the bank and is issued by the bank, and promises to pay a certain amount unconditionally to the payee or holder at sight. According to whether the amount is fixed or not, cashier's checks can be divided into two types: non-fixed and fixed.

Step 2 check

A cheque is a bill issued by the drawer, and a bank or other financial institution entrusted to handle cheque deposit business unconditionally pays a certain amount to the payee or holder at sight. Similarly, the cheque system is also applicable to the relevant provisions of the bill of exchange.

3. Bank draft

A bank draft refers to a bill issued by an issuing bank and unconditionally paid to the payee or holder according to the actual settlement amount at sight. The issuing bank of bank draft is the bank that handles bank draft with the approval of the People's Bank of China.

It is mostly used to handle transfer settlement and cash withdrawal in different places, and it is unconditionally paid to the payee or holder according to the actual settlement amount when seeing the bill. Bank draft has the characteristics of flexible use, ticket arrival with people and strong liquidity. , which is applicable to commodity transactions such as payment before delivery or currency and goods settlement.

Extended data:

The origin of China bills can be traced back to ancient times.

In the Tang Dynasty, a kind of ticket called "Fei Qian" appeared in China. Scholars believe that "flying money" is the origin of modern bills of exchange in China. During the period of Tang Xianzong (806-820 AD), tea merchants all over the country traded frequently, but the transportation was inconvenient and it was difficult to transport banknotes. For convenience, flying money was created.

In Chang 'an (Jin 'an), the capital of China, businessmen pay cash to local (various) institutions in Beijing, or wealthy businessmen with joint numbers in various places, who will issue semi-joint coupons, and the other half will be sent to relevant institutions and numbers in time. After the broker arrives at the destination, he will use the semi-coupon to "coupon" with the relevant local institutions and numbers, and then withdraw the cash. At that time, flying money was only a tool for transporting and withdrawing cash, not a common currency.

In the Tang Dynasty, people used a kind of ticket called "Iron". Some scholars believe that "tie" can be the origin of China check.