According to the provisions of the Negotiable Instruments Law, the drawer of a cheque may not issue a cheque that is inconsistent with the signature pattern or seal of its reserved name. After a bank or other financial institution opens a cheque deposit account for a cheque issuer, it is only the official payer and the drawer is the actual payer. In order to ensure the accuracy of payment and prevent the cheque amount from being falsely claimed by others, the Bill Law stipulates that when an applicant opens a cheque deposit account, he should reserve the signature pattern and seal of his real name. Only when the drawer's signature on the check is consistent with the signature style and seal of the reserved real name can the payer pay, otherwise, it will be refunded. If the holder does not get the payment, it will exercise the right of recourse against the endorser and the drawer, which will inevitably have an adverse impact on the holder and lead to economic disputes. Therefore, the negotiable instrument law stipulates that the drawer shall not issue a check that is inconsistent with the signature pattern or seal of his reserved name.

According to the provisions of the Measures for the Administration of Bill Execution, the People's Bank of China will impose a fine of 5% of the face value but not less than 1000 yuan for the purpose of defrauding property; The holder has the right to demand the drawer to compensate for 2% of the check amount.