The legal liability for issuing a bad check will be determined based on the following circumstances, as follows:

1. Anyone who issues a bad check to defraud property will be held criminally responsible according to law;

2. If the act of issuing bad checks to defraud property is minor and does not constitute a crime, administrative penalties may be imposed according to relevant regulations.

To open a checking deposit account, applicants must use their real names and submit legal documents proving their identity. To open a checking deposit account and receive checks, you must have reliable credit and deposit a certain amount of funds. When opening a checking deposit account, the applicant should reserve his/her name's signature and seal. A check is an instrument issued by the drawer and entrusted by a bank or other financial institution to handle deposit business, and unconditionally pays a determined amount to the payee or holder when the check is presented.

Checks are divided into three types: ordinary checks, cash checks, and transfer checks. Cash checks can only be used to withdraw cash. They can be issued by the depositor to withdraw cash from the bank for the unit. They can also be issued to other units and individuals for settlement or to entrust the bank to pay cash to the payee on their behalf. Transfer checks can only be used for transfers, and are suitable for depositors to transfer funds to payee units within the same city to handle commodity transactions, labor supply, debt repayments and other settlements. Ordinary checks can be used to withdraw cash or transfer money. However, if two parallel lines are drawn in the upper left corner of an ordinary check, it is a crossed check, which can only be used for transfers and cannot be used to withdraw cash.

Check settlement is characterized by simplicity, flexibility, speed and reliability. The so-called simplicity means that it is simple to use checks to handle Yuandongye settlement procedures. As long as the payer has enough deposits in the bank, he can issue a check to the payee, and the bank can handle the transfer of funds or cash payment with the check. The so-called flexibility means that according to regulations, the check can be issued by the payee to the payee for direct settlement, or the payee can issue the check and entrust the bank to actively pay the payee.

Article 81 of the "Negotiable Instruments Law of the People's Republic of China" The check is issued by the drawer, and the bank or other financial institution entrusted with the check deposit business shall unconditionally pay at the sight of the check. An instrument with an amount payable to the payee or holder.