A check is a bill issued by a depositor to a payee for payment from his bank account. Checks are divided into cash checks and transfer checks. When issuing checks, you should pay attention to the following issues:
(a) strictly "nine no".
(1) The release date cannot be changed;
(2) It is not allowed to change the name of the payee;
(3) It is not allowed to change the amount with words and figures. According to the provisions of the Negotiable Instruments Law, if the amount, date and payee name of a cheque are changed, it will become an invalid bill;
(four) shall not issue a blank check, that is, to issue a check that exceeds the balance of the bank deposit account;
(five) shall not issue long-term checks;
(6) Blank checks shall not be issued. A blank check issued refers to a pre-stamped check. Taking this way of returning a house will cause undue economic losses after it is lost;
(7) No defective cheque shall be issued. Defective check forms mainly include:
(1) The seal does not match, that is, the seal on the check does not match the seal reserved by the bank, or the seal on the check is not completely stamped. When the bank checks that the seal does not match, it will not only void the check and return it, but also impose a fine of 5% but not less than 1000 yuan according to the face value.
(2) The check is stamped with ink instead of ink, or the seal of the check is unclear.
(3) A bad check, that is, a check whose face is damaged, defaced, illegible or illegible.
(4) Check with inconsistent account names or abbreviated account names.
(5) the change is not stamped with the reserved seal check.
⑥ The check of the payer's settled account.
⑦ Failing to fill in or filling in a cheque with improper purpose.
(8) Checks not written with carbon ink or signature pen as required.
Pet-name ruby check to buy unauthorized goods.
Participate in non-bank checks;
(8) Do not issue cheques for fraudulent purposes. Writing a check with untrue purpose is an act of obtaining bank credit. Once the bank finds out, it will violate the settlement system and give economic punishment.
(9) Do not deposit the stamped cheque in a different place to open it, so as to prevent the formation of empty cheque or economic fraud.
(two) complete elements, true content, accurate figures and clear handwriting.
(1) Checks shall be issued consecutively according to the serial number, and no skipping is allowed;
(2) The year in the date should be complete and cannot be abbreviated. For example, 1999 cannot be written as 99 years;
(3) the payee must write the full name, not the abbreviation, to prevent the account name from being inconsistent and form a refund;
(4) The name of the issuer's bank shall be clearly stamped with the engraved bank slip (stamped when buying a check from the bank), and it shall not be handwritten (requirements for standardized management of bank accounting);
(5) The issuing bank should write the company account number, and it is best to use a small seal;
(6) Pay attention to accurately fill in the date, payee and amount in words and figures to prevent the issuance of invalid checks;
(7) Other changes shall be stamped with the reserved seal and inkpad shall be used;
(10) As there is no payer's name column on the current cheque, the seal reserved by the bank must be used, so the seal must be clear;
(1 1) shall not be filled in blue ink. In short, we should follow the rules of the bank and not be self-righteous.
(3) Issued by a special person. Checks should be kept and issued by the financial department, and no one can interfere to distinguish the responsibilities. The check printer should also be clearly managed by the cashier.
Legal basis: People's Republic of China (PRC) Bill Law.
Article 81 A cheque is a bill issued by the drawer, and a bank or other financial institution entrusted with cheque deposit business unconditionally pays a certain amount to the payee or holder at sight.
Article 82 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.
Article 83 A cheque may be withdrawn in cash or transferred. When it is used for transfer, it shall be indicated on the front of the cheque.
If the cheque is specially used to withdraw cash, a cash cheque can be made separately, and the cash cheque can only be used to withdraw cash.
If the cheque is specially used for transfer, you can make a transfer cheque separately. Transfer cheque can only be used for transfer, and cash cannot be withdrawn.
Article 84 A cheque must contain the following items:
(a) The word "inspection";
(2) Unconditional payment entrustment;
(3) The determined amount;
(4) the name of the payer;
(5) Date of issue;
(6) Signature and seal of the drawer.
If one of the items specified in the preceding paragraph is not recorded on the cheque, the cheque is invalid.
Article 85 The amount on a cheque may be supplemented with the authorization of the drawer, and the cheque before the supplement may not be used.
Article 86 If the payee's name is not specified on a cheque, it may be supplemented with the authorization of the drawer.
Where the place of payment is not specified on the cheque, the business place of the payer is the place of payment.
If the place of issue is not specified on the cheque, the business place, domicile or habitual residence of the drawer shall be the place of issue.
The drawer may record himself as the payee on the cheque.
Article 87 The amount of a cheque issued by the drawer of a cheque shall not exceed the actual deposit at the drawee at the time of payment.
If the cheque issued by the drawer exceeds the actual deposit amount of the payer at the time of payment, it is a bad cheque. It is forbidden to issue bad checks.
Article 88 The drawer of a cheque may not issue a cheque that is inconsistent with its reserved real name signature pattern or seal.
Article 89 The drawer must undertake the responsibility of ensuring payment to the holder according to the amount of the cheque issued.
When the drawer's deposit with the drawee is sufficient to pay the check, the drawee shall pay in full on the same day.
Article 90 A cheque is limited to payment at sight, and the date of payment may not be specified separately. If the payment date is recorded separately, the record is invalid.
Article 91 The holder of a cheque shall present it for payment within ten days from the date of issue; For cheques used in different places, the time limit for presenting payment shall be stipulated separately by the People's Bank of China.
If the time limit for presenting payment is exceeded, the payer may refuse to pay; If the drawee refuses to pay, the drawer shall still bear the bill liability to the holder.
Article 92 If the payer pays the amount of a cheque according to law, he will no longer be responsible for entrusting the drawer with payment and paying the holder. However, unless the payer pays in bad faith or has gross negligence.
Article 93 The provisions of Chapter II of this Law shall apply to the endorsement, payment and recourse of a cheque, in addition to the provisions of this Chapter.
In addition to the provisions of this chapter, the provisions of Articles 24 and 26 of this Law on bills of exchange shall apply to the issuance of cheques.