Because issuing a check is to pay a certain amount of money to the holder or payee, which is equivalent to the act of payment. In addition, issuing checks can also be used as a negotiable payment tool to facilitate payment settlement and transaction operations. Besides cheque payment, there are other payment methods, such as cash payment, electronic payment and transfer payment. All kinds of payment methods have their applicable scenarios and characteristics, which need to be selected and applied according to specific conditions. In addition, in daily life, we should pay attention to the safe use of payment tools to protect the safety of personal property.

To issue a check, the following conditions shall be met:

1. To open a settlement account, both enterprises, institutions and individuals must bring valid certificates to the banking institution that handles cheque settlement business to open a settlement account that can use cheques, and deposit enough funds for issuing cheques;

2. Keep the signature of the bank. When opening a checking account, the bank will ask the account owner to keep his signature. The reserved signature is the basis for the bank to review the payment. The customer can also agree with the bank that the payment password on the check is the condition for the bank to review and pay the check amount;

3. Credibility is reliable. Checks are credit-based payment tools, and the good reputation of the drawer is an important condition to ensure the final payment of checks. Therefore, in order to protect the interests of check recipients, banks will review the credit status of enterprises, institutions and individuals applying for check business and decide whether to sell checks to them according to the review results.

To sum up, the financial department should designate a special person to keep and issue checks, so that the rights and responsibilities are clear and there is no interference from many people. Now check printers are also used in accounting departments one after another, so it is necessary to make clear the management of cashier's use. In normal work, tellers should learn to use other bank settlement methods, such as bank draft, cashier's check, commercial draft, collection and acceptance, entrusted collection, remittance and other settlement methods to carry out and handle various economic businesses.

Legal basis:

Article 82 of the People's Republic of China (PRC) Negotiable Instruments Law.

To open a checking account, the applicant must use his real name and submit legal documents to prove his identity.

When opening a checking account and collecting checks, you should have reliable credit standing and deposit certain funds.

When opening a checking account, the applicant shall keep the signature pattern and seal of his real name.