Kinds of the securities there are so many, we consider in detail one of them.
Veksel.Suschestvuet a lot of classifications bills, depending on the criteria used are the following types of securities.
Depending on the number of participants is a simple (solo) and transferable (draft) bill.Solo bill has just two sides of the party: the holder and the drawer.The latter is a debtor, who took over the obligation to pay a sum of money in the agreed place in the agreed period, the note holder.If such an operation is present in the third person (payer), then we are talking about the bill.Drawer takes the obligation to pay money to the payer (drawee), which should pay off with remitting (noteholder).
bill may be with one, two, three or more persons.There are cases where the recipient of the money maker appoints himself or whom he further orders.The main advantage of bills of exchange is that they solve the problem of the transfer of money between countries.This type of securities has several instances, which in the case of loss of the original, can act in his stead: the original or a copy of the first - draft, the second - the second, third - third.
Depending on the nature of the transaction allocate a commercial (trade), treasury, bank or a financial bill.Treasury bills issued by the government to cover the budget deficit.Commercial promissory note is a tool of the loan as the basis for the monetary obligation is a commercial loan.Such securities may also act as a commodity transaction, where it serves as a substitute for cash in a variety of acts of sale of goods.Bank bill often has a form of deposit, and is used in a variety of financial transactions.The financial bill is easy to obtain a bank, for which you need to make cash bill amount and the bank will issue a bill on hand for a period of 1 to 270 days.
Bank Bill, in turn, is divided into interest and discount promissory note.The interest bill is a bit like a loan: sell it to the specified nominal value and repay with interest to "blow the whistle" on a certain date at a rate that is spelled out in the bill.Bearing notes sold at a discount or a discount and redeemed at par.Interest-bearing notes, "are" much cheaper because the central bank calculates the amount of face value, and the tax on income received in the form of interest or dividends is only 15%, and income from the difference of sale are taxed at 35%.
Depending on the software are bronze, reciprocal and friendly bills.Very interesting is the bronze bill that does not have commercial coverage, it is not involved in the actual transactions, it has no financial liability, and in his address necessarily involved a fictitious person.Friendly bill - it is a security that two people are discharged on each other in order to cash out money in the bank without the movement of goods.
As a method of transmitting bill may be bearer, to order and names.From the names of the security it is very clear how they can be passed on to the holder of the drawer.Understanding requires only order bill.It is a request for signature of the transfer.
A bill before it comes due date for payment may be sent to the payer for acceptance.Make acceptance of a bill means to assume the payment obligations of the securities in the period that is specified in it.If the payer refuses to accept it, it is carried out through the notary protest the bill.
