(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; I'm not allowed to write blank checks. 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. The manifestations of defective checks are as follows: ① Seal mismatch, that is, the seal on the check does not match the seal reserved by the bank, or the seal on the check is not fully covered. 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; (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. 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 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 is covered with "?" On the wrong seal, as long as the second seal is the same as the original seal in the bank and there is enough deposit in the account, the check is safe.
6. A written altered cheque is invalid and absolutely unacceptable.
A check printed with the word "cash" is a cash check and can be used to withdraw cash. A check printed with the word "transfer" is an ordinary check, which can be used to withdraw cash or transfer money. If you draw two parallel lines in the upper left corner of an ordinary check, it is a crossed check. Crossed checks can only be used for transfer, not cash withdrawal.