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电划和邮划两种方法比较,电划托收回笼时间较决,有利于节约贷款利息,但费用较高;邮划托收回笼时间较慢,但费用较低.对于一个业务往来较频繁的企业来说,如何合理选择使用电划、邮划方法,对于节约商品流通费用是有一定意义的.电划托收费用每笔1.50元,邮划托收则为0.80元,每笔差额0.70元,按现行银行贷款利率月息6‰计算,则相当于3,500元占用一天的利息.这里所说的合理选择托收方法,就是指在耗费邮电费用和贷款利息这二者之间进行比较和选择.我们单位以前单纯以金额大小决定托收方法,5,000元以上的一律用电划托收,否则就用邮划.后来银行提高收费标准(电划托收每笔由0.70元提为1.50元),我们就更多地使用邮划托收方法,这样显然有不合理的地方.例如,在一些边远山区,邮托回
Electricity planning and postal planning two methods compared to the electric plan to reclaim more time-saving cage is conducive to saving interest on the loan, but the cost is higher; postal care collection recovery time is slower, but the cost is lower .For a business more frequent Of enterprises, how to choose a reasonable way to use electricity planning, postal and stamping methods for the saving of goods circulation costs is of some significance.Electrical imposing fees of 1.50 yuan each, postal collection was 0.80 yuan, each margin of 0.70 Yuan, according to the current bank loan interest rate monthly interest rate of 6 ‰ calculated, it is equivalent to 3,500 yuan a day of interest.What is reasonable choice of collection method, refers to the cost of postage and loan interest in the comparison and Choice. Our unit previously decided to collect the amount of the size of the collection method, more than 5,000 yuan will be entrusted by the ETA, or use the postage. Later banks to raise fees (ETA call received from 0.70 yuan raised to 1.50 yuan ), We use more of the postal collection method, so obviously there is unreasonable place, for example, in some remote mountainous areas,