Do You Encounter This Check Trap?

Business account collection is a very important link in the management of industrial and commercial enterprises.

More and more enterprises regard the timely and full recovery of external accounts as an important indicator of performance of business people.

Cheques are the most widely used instruments in business activities. Business people should be cautious of checking traps when receiving cheque, because the refund of bills will bring financial losses to enterprises.

The "check trap" that may exist in actual business is explained.

When a cheque returns a ticket, it must bear the responsibility of the drawer and pay the amount recorded in the cheque.

The signature and seal should be placed on the place of the drawer on the cheque, and the signature will not be signed if the place is covered elsewhere. It will not be signed or stamped.

In actual operation, the receiver should pay attention to the following points: 1, a cheque without signature and seal can not be collected.

The cheque in the blank of the certificate is "incomplete bill", which has no legal effect.

The drawer must be supplementing the seal to receive it.

2, a signed cheque or a vague check can not be collected.

A cheque that is unclear or unknown is often returned by the bank.

3, the signature on the cheque only has the stamp of the drawer, no other signature or seal, it is best to refuse.

The signature on the cheque can be replaced by a seal, but the signature can not be replaced by a fingerprint.

4, stamp reversal checks are valid and acceptable.

5, cover the wrong seal, and then check the check with the correct seal.

The drawer made a "smear" on the wrong seal. The seal was not recorded. The cheque is safe as long as the seal on the second covers is the same as the original seal in the bank and there is enough deposit in the account.

Two, about the time of the ticket 1, did not fill in the date of the check cheque, it is best not to accept.

If a cheque is not valid for the date of issue, the drawer must not bear any liability for the bill.

If the drawee authorizes the drawer to fill in the date of filling, the drawer shall, when accepting the cheque, request the drawer to issue a "power of attorney" as proof, otherwise it may be liable to eat a forged securities.

After rewriting the date of 2 and the date of issue, it must be stamped at the rewriting office.

If it is not stamped, the check will be returned by the bank.

Three, the amount of the check is one of the items that must be recorded by the cheque. It is also an indicator of the extent of guarantee for the debt of the bill.

The amount of a cheque should be written in capitals to show caution and prevent alteration.

Therefore, once the amount is filled, it can not be settled down. Otherwise, the check will not be valid.

You should pay attention to the following questions about the amount of the check: 1, the cheque which is written in the column of the capital letter is not acceptable.

The general currency units in China are yuan, Jiao and sub.

It is difficult to ascertain the amount of records only if the numbers are worked together without the "Yuan".

2, capitalized amount of cheque is invalid check, absolutely can not be received.

3, the amount of capitalization on a cheque should not be written zero, and the check that writes more zeroes should not be accepted as far as possible.

There should be only one zero word when the amount of money is continuous.

For example, 50005 yuan should be written as "ten thousand five hundred dollars" and not written as "Wu Wan 00 Yuan Yuan Quan".

4, the amount of the check to fill in the check will not be accepted.

In banking practice, there are special requirements for the amount of written checks. 10 yuan should be written as "one dollar and one dollar".

5, the amount of money written on a cheque must not be accepted.

The correct way to write 20 yuan is "collect two yuan". If it is written as "twenty", the bank will deal with it by refund.