Whether the receipt is unsigned or stamped is valid shall be determined according to the actual situation. If it is an individual receipt, the signature is valid without seal, and the signature and seal have the same legal effect; However, if it belongs to the unit receipt, it generally needs to be stamped with the official seal of the unit to take effect, which has corresponding legal effect.

legal ground

Negotiable Instruments Law Article 21 The drawer of a bill of exchange must have a true entrusted payment relationship with the drawee and have a reliable source of funds to pay the amount of the bill. A bill of exchange without consideration shall not be issued to deceive banks or other parties to the bill. Negotiable Instruments Law Article 104 Any staff member of a financial institution who neglects his duty in negotiable instruments business and accepts or pays bills or provides guarantees for bills in violation of the provisions of this Law shall be punished; If heavy losses are caused and a crime is constituted, criminal responsibility shall be investigated according to law. If the staff of a financial institution causes losses to the parties due to the acts mentioned in the preceding paragraph, the financial institution and the persons directly responsible shall be liable for compensation according to law.