How To Deposit Cash

In accordance with the regulations, in their daily cash receipts and payments operations, the cash and cash in excess of the cash limit in other business activities must be sent to the bank on the same day, in addition to the cash and non operating income receipts that can be collected in accordance with the provisions of the provisions.

If there is any difficulty in sending the deposit bank, the depositary bank will determine the delivery time.

The basic procedures for depositing cash are:

(1) cash sorting.

Before paying cash to the bank, the cashiers of various units should sort out the cash in order to facilitate the checking of cash at the bank counter and improve their work efficiency.

Paper money should be sorted out according to the face value (or coupon).

Banknotes can be divided into main currencies and fractional currencies. The main currencies include 100 yuan, 50 yuan, 10 yuan, 5 yuan, 2 yuan and 1 yuan, including 5, 2, 1, 5, 2 and 2 points.

The cashier should open up all kinds of banknotes, and then use 100 pieces of money to make a piece of paper. It will be wrapped with strips of paper and rubber bands, and each 10 pieces will be bundled. For example, the paper currency of 100 yuan coupon is 10000 yuan, a bundle of which is 100000 yuan; 10 yuan ticket is 1000 yuan, and a bundle is 10000 yuan.

Less than 100 copies were distributed from large to small.

The coins include 1 yuan, 5 jiao, 1 jiao, 5 points, 2 points and 1 points (cents can not be sent to the bank temporarily for general purpose).

Coins should also be arranged according to coins. Each coin should not be rolled in 100 rolls, wrapped tightly in paper and wrapped in ten rolls.

For example, the coins in the 5 corners are 50 yuan for each volume and 500 yuan for each bundle.

Coins that are less than 50 can not be sent or wrapped in paper and wrapped separately.

Defective and broken banknotes and perforated, cracked, broken, pressed, deformed and positive national emblem, the number of ambiguous coins on the back should be singled out separately, wrapped separately, and the finishing method is the same as before.

(2) fill in the cash pfer book.

After the cash is finished, the cashier should fill out the cash delivery book according to the amount of money arranged.

The cash delivery book is usually quadruplicate, the first is the receipt, and the bank is signed as the basis of the payment unit. The second is bank income summons, the third is the account receivable, the fourth is the bank cashier retained as the bottom line for future reference.

Its basic format is shown in Table 6.

When completing the cash collection book, the cashier should fill in the relevant contents according to the format, including the name of the recipient unit, the source of the money, the Bank of the account, the date of delivery, the account number of the account, the amount, the lowercase and the quantity of the coupons.

The cashier should pay attention to the following points when completing the "cash delivery book".

First, the cashier must fill in the contents of the cash delivery Book truthfully, especially the sources of funds.

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Second, the date of payment should be completed on the date of the deposit bank.

Third, the number and amount of the bill should be the same as the actual number of the coupons. 1 yuan, 5 jiao, 1 jiao and other notes have coins and coins. The number and amount of paper money and coins should be filled out.

Fourth, when filling out the cash delivery book, the teller must use double faced carbon copy paper. The handwriting must be clear and standardized, and no alteration can be made.

Table 6-5 cash delivery book of China x bank

Other subjects: date of payment, date, month and date

Name of Bank of account

Amount of money

$10 billion

RMB

(capital)

Coupons

The amount is 100 yuan, 50 yuan, 10 yuan, 5 yuan, 2 yuan, 1 yuan, 5 cents, 2 cents and 1 cents.

Whole coupon

Zero coupon

Receiving recheck cashier

(3) delivery and payment.

When the cashier collates the cash and writes the cash delivery book, he should send the cash together with the cash delivery book to the bank counter cashier.

At the time of payment, the payer must hand over to the bank counter cashier.

After checking the cashier at the counter, the bank affixed the seal to the cash delivery book according to the regulations, and returned the return couplet to the payer. After receiving the couplet, the payer should check it, confirm it as a receipt for the payment of the unit, and leave the counter after the bank has completed the relevant procedures.

If a bank has a large amount of payment or a large number of notes, the bank may consult with the bank in advance if it is clear that it is really difficult. If the two parties stipulate the relevant conditions and sign an agreement, the bank shall make payment by the way of "payment by package".

The payment of a bundle means that the paying unit collates the cash to be deposited in the bank, collates it according to the relevant requirements, and bundles it in accordance with the provisions of the bank, affix a sealed label on the bundle, and writes the amount, affixed with the official seal, and sent to the bank together with the completed "cash delivery book".

The bank receives the receipts from the large amount after the amount is signed. First, the "paid" chapter and the receiver stamp are added on the "cash delivery", and the "return couplet" is handed over to the payer.

If it is found that it is long and short, it is necessary to deal with the refund unit again.

When implementing the method of packet payment, the first thing to do is to sort out the currency, and then, according to the requirements of the bank, "pack".

When the package is wrapped, paper money should be classified according to the denomination, each 10 bundles into a bundle. When the bundles are placed, the lining paper will be placed on the top and bottom. Cross banding shall be affixed with a seal on the binding point of each bundle of banknotes, and the seal will be pasted on the lining paper.

If there are less than one hundred pieces, according to the requirements of odd finishing, arrange them and seal them.

Coins are classified according to denomination. They are bundled in 10 rolls and sealed together.

No more than one hundred pieces of coins should be marked according to the currency, and the number, amount and date should be written on the volume.

The seal must include the amount, date, name of the person in charge of the package, and the official seal of the unit.

In addition, the package must be sealed to facilitate large points.

If a cashier pays a bill, if a bank counter cashier finds that there is any mistake in the calculation, he should inform the payer immediately, and after the remittances are repaid on the spot, he will register on the "register of unit payment errors" set up by the bank and sign by the payee.

The unit payee rewrote the cash delivery book according to the amount after the re payment.

If a bank finds out a long or short amount after a checkup, it should indicate the amount of long or short money on the seal of the packet. It is signed jointly by the bank cashier and the payroll reviewer, who registers the "register of unit payment errors" and the proof of the wrong certificate, and returns the long sum or the short money to the unit.

If a bank finds that the amount of error is large when counting the packets, it should keep the original packet, notify the payment unit promptly to send the person back to the spot, and then deal with it according to the package agreement.

When depositing cash, the cashier should pay attention to the following matters:

First, when cash is ready to be sent to the bank, after the cash delivery book is filled, it is generally not appropriate to change the face value. If it is really necessary to replace the bank, it should be reordered and the bank delivery book should be re filled.

Second, the cash payer should be the cash coller, so that the liability is not clear when errors occur.

Third, attention must be paid to safety when sending the deposit. When the amount of money is larger, it is better to use a special car and send it to escort people.

Fourth, when the counter is paying, the payer must hand over the money to the bank counter cashier to make sure that it is cleared at once.

Fifth, when the payer pays, if the counters are crowded, they should wait in order.

In the process of waiting, money should be kept away from the counter, so as to prevent accidents.

(4) accounting.

After the payer sends cash to the bank and takes back the "cash book" (the return book), the financial department will fill in the cash payment voucher according to the "return to receipt", and its accounting records are as follows:

Borrow: bank deposit

Loan: cash

If the cash is not collected by the cashier, but is delivered directly to the bank by the enterprise counter, the accounting department shall prepare the receipts for bank receipts according to the cash delivery book.

Borrow: bank deposit

Loan: sales revenue, etc.

What needs to be explained is that in accordance with the Interim Regulations on cash management and the detailed rules for its implementation, the cash from each unit must be delivered to the bank in time.

For public funds, the bank has the right to impose a penalty of 30% or 50% on the sum of money deposited. For those who are sitting on their own, they shall be punished by 10% or 30% of the amount of the money they receive. The units who borrow each other's cash shall be punished by 10% one 30% according to the amount of the loan, and the 10% yuan shall be penalized for keeping the public funds outside the account.