1, wages and allowances of employees;

2. Personal labor remuneration;

3, according to the provisions of the state awarded to individuals in science and technology, culture and art, sports, etc.

Bonus;

4, all kinds of labor insurance, welfare and other personal expenses stipulated by the state;

5. The price of purchasing agricultural and sideline products and other materials from individuals;

6. Travel expenses that business travelers must carry with them;

7. Sporadic expenditures below the settlement starting point;

8. Other expenses that need to be paid in cash as determined by the People's Bank of China.

You can't withdraw more than 5W from a cash check (that is, you can't fill 5W, you can only fill 49999, otherwise you will make a trip in vain). If you want to withdraw more than 5W, you have to take two steps. 1. Make an appointment by phone first, 2. Fill in another check (if you want to withdraw 10W, you need to fill in three cash checks.

Ordinary checks are divided into cash checks and transfer checks. There is a clear mark on the front of the check. Cash check can only be used to withdraw cash (only in the same city); Transfer cheque can only be used for transfer (local only).

Fill in the check:

1. Date of issue (in words): Numbers must be capitalized, and capitalized numbers should be written as zero, one, two, three, four, five, six, seven, eight, nine and ten.

For example: August 5, 2005: August 5, 2005.

You don't have to write zero eight months ago, but you have to write zero five days ago.

February 2006 13: 2006, two months and thirteen days.

(1) Zero characters must be written before February, and zero characters can be written before March to September. From 10 to 12, it must be written as 10/0, 10/month1day,1day.

(2) The zero word must be written before 1 day to day 9, and the day from 10 to day 19 must be written as day 10 and day 10 x (it is also acknowledged that the word "zero" is written before, for example, the same below).

2. Payee:

(1), the payee of the cash check can be written as the company name. At this time, the "Endorsement" column on the back of the cash check is stamped with the company's special financial seal and legal person seal, and then the payee can withdraw cash directly from the bank with the cash check. Because some banks are networked, they can also withdraw money from networked businesses, depending on the coverage of the network.

(2) The payee of a cash check can be written as the payee's personal name. At this time, the back of the cash check is not stamped with any seal. The payee fills in the ID number and the name of the issuing authority on the back of the cash check, and signs the payment with the ID card and the cash check.

(3) The payee of the transfer check should fill in the name of the other company. The company does not stamp the back of the transfer check. After the payee obtains the transfer cheque, the payee's special financial seal and legal person seal are affixed to the endorsement column on the back of the cheque, and a bank draft is filled in, which is handed over to the payee's bank to entrust the bank to collect money.

3. Payer's name and drawer's account number: that is, the name and account number of the bank where the account is opened, such as Jiulian Branch of ICBC High-tech Branch.

1202027409900088888

The account number is lowercase.

4. RMB (in words): figures in words: zero, one, two, three, four, five, six, seven, eight, nine, one hundred million, ten thousand and one hundred and ten.

Note: The word "10,000" has no one side.

Example: (1), 289,546.52, 289,000, Wu Bai, 46 yuan and 52 cents.

(2), 7,560,5438+0,700 Wu Bai sixty-three points.

At this time, the words "six yuan and three points" and "zero" can be written or not.

③532.00 Wu Bai thirty-two yuan only.

"Whole" can also be written as "whole". Can't be written as "zero angle zero"

(4)425.03 Four hundred and twenty-five yuan and three cents

(5) 325.20 Three hundred and twenty-five yuan and twenty cents.

You can add the word "positive" after the corner word, but you can't write "zero", which is quite special.

5. RMB in lowercase: the first blank box of the highest amount is marked with the word "sheep", and the number is required to be complete and clear.

Step 6 use:

(1), cash checks are subject to certain restrictions. Generally, you should fill in "reserve fund", "travel expenses", "salary", "labor expenses", "bonus", "meal supplement" and "manuscript fee".

(2) There is no specific provision in the transfer cheque, and payment, project funds, current accounts, agency fees, audit fees, consulting fees, etc. can be filled in.

7. Seal:

The front of the check is stamped with the special financial seal and the company seal, both of which are indispensable. The inkpad is red, and the seal must be clear. If the seal is blurred, this check can only be invalidated, and you can fill in a new one and stamp it again. See "2. Whether payee "is reverse printing.

8. Common sense:

(1), the front of the check can't have altered marks, otherwise the check is invalid.

(2) If the payer finds that the cheque is incomplete, it can be supplemented, but it cannot be altered.

(3) The check is valid for 10 day, counting from beginning to end as one day. The holiday was postponed.

(4) Cheques are payable at sight and are anonymous. The loss of checks, especially cash checks, may mean the loss of face value, and the bank will not be responsible. The basic elements of a cash check have been completed. If the cheque is not fraudulently claimed, report the loss to the bank where it is opened; If the elements of the transfer check are complete, report the loss to the bank where the account is opened; If the elements are incomplete, report the loss at the clearing center. )

(5) The drawer's cash check has a vague seal on the back. You can go through the fuzzy seal and cover it again.

(6) The stamp on the back of the payee's transfer cheque is vague (at this time, the Negotiable Instruments Law stipulates that it cannot be remedied by re-stamping). The payee can go through the collection formalities at the drawer's bank with the transfer check and bank draft (without paying the handling fee), commonly known as "counter-typing", and there is no need to go to the drawer to reissue the check.

Pay attention to the name of the payee and the name of the endorsement seal.

Errors that are easy to occur: the date is incorrectly filled, and the seal of the payee is inconsistent with the seal of the endorsement unit.

Cash checks and transfer checks can be made out to individuals.

Basis: Article 1 16 of Yinfa [1997] No.393 on September 9, 1997. Units and individuals can use checks to settle various payments in the same clearing area.

Article 127. . . . . . If the holder is an individual, he shall also submit his identity card, and indicate the name, number and issuing authority of the certificate on the back of the check.

Matters needing attention in filling inspection (2)

Pay attention to capitalization when writing checks; Don't change; Don't write the account number and name wrong.

The front of the cash check should be stamped with the financial seal and the name seal (consistent with the bank's reserved seal), and the back should be stamped with the same seal. Fill in the payer's ID number and name on the back.

The transfer check only needs to be stamped with the financial seal and name seal on the front, and the others do not need to be stamped.

I. Contents to be filled in:

1, date (in words);

2. Amount, amount in words is on the left; Digital amount;

3. seal. Special seal for finance and name seal of legal representative.

If you keep the password, you must also fill in the password.

Checks are the most commonly used bills in business activities, and business personnel should beware of the "check trap" when receiving checks, because the refund of bills will bring irreparable financial losses to enterprises. Now let's explain the "check trap" that may exist in actual business.

I. About signature and seal

The signature and seal of the drawer on the check is the concrete expression of the bill debt. When a cheque is returned, it shall bear the responsibility of the drawer and repay the amount recorded on the cheque. Signature and seal should be stamped in the drawer column of the check, and stamped in other places, which will not have the effect of signature and seal, and it is an unqualified check.

In practice, ticket collectors should pay attention to the following points:

1. Cheques without signature and seal cannot be accepted. A check with a blank seal is an "incomplete bill" and has no legal effect. You must ask the drawer to seal it before you can accept it.

2. Cheques with vague signatures or seals cannot be accepted. This kind of cheque with unclear seal or unknown seal is often bounced by the bank.

3. The signature of the check is only the drawer's fingerprint, and there is no other signature or seal, so it is better to reject it. The signature on a check can be replaced by stamp, but not by fingerprint.

4. The check with the stamp upside down is valid and acceptable.

5. A check stamped with the wrong seal and then stamped with the correct seal can be accepted. The drawer stamps the wrong seal with a ""seal, and the seal is regarded as not recorded. As long as the second stamp is the same as the original stamp in the bank, and there is enough deposit in the account, the check is safe.

Second, about the invoice time.

1. You'd better not accept a check without an issue date. A check lacking the date of issue is invalid, and the drawer does not have to bear any bill responsibility. If the drawer authorizes the payee to fill in the date, the payee should ask the drawer to issue a "power of attorney" as proof when accepting the check, otherwise he may be sued for forging securities.

2. After the date of issue is rewritten, it must be stamped at the rewriting place. If it is not stamped, the check will be dishonored by the bank.

Third, about the amount of the check.

The amount is one of the items that must be recorded in a check, and it is also an indicator of the guarantee scope of the bill debtor. The amount of the check should be written in capital letters to show caution and prevent tampering. So once the amount is filled in, it cannot be rewritten, otherwise the check will be invalid.

Pay attention to the following questions about the check amount:

1. Checks that omit the word "yuan" in the column of amount in words will not be accepted. The currency units commonly used in China are yuan, jiao and fen. Only digital records, no "yuan" records, its amount is difficult to determine.

2. An altered cheque with a written amount is invalid and absolutely unacceptable.

3. You can't write zero on the check, but try not to accept checks with more zeros. If the number of digits has several zeros, write only one zero. For example, 50,005 yuan should be written as "50,005 yuan only" instead of "50,005 yuan only".

Cheques with a face value of "ten yuan only" are not accepted. Banking practice has special requirements on the writing of cheque amount. 10 yuan should be written as "ten yuan only".

It is absolutely unacceptable to write "20" on a check. 20 yuan's correct spelling is "20 yuan". If it is written as "20 yuan", the bank will refund it.