What is the different in "bank receipt voucher" and "cash receipt journal" in NAV2009 SP2 India

I am using NAV2009 SP2 W1 and code merge with India localization, there is a function called "bank receipt voucher", may I know the difference between "bank receipt voucher" and "cash receipt journal" in NAV2009 SP2, especially the posting logic behind.

In Bank receipt voucher:
System Control : Account type must be "bank account"
Scenario : Dr bank 90
Dr bank charge 10
Cr Customer (AR) 100
For this case, I can't use bank receipt voucher to book it.
Can I use cash receipt journal instead, will there any different in posting logic behind these 2 forms?

Why India version with "bank receipt voucher" and "bank payment voucher"?
Can I fully use cash receipt journal and payment journal instead?

Thanks!!!