How Can A Finance Novice Fill Out A Cheque?

There are many checks in the daily work of accountants. There are many details in issuing and receiving cheques. If you don't pay attention to these details in your work, you will have to cancel the checks.

Check the capitalization of the check; do not make any changes; do not write the account or name wrong.

Cash cheques cover financial cards and badges on the front (in line with the bank's reserved seal), and the same chapter should also be placed on the back.

On the back, you need to fill out the identity card number and name of the payer.

Transfer checks only need to cover the financial statements and names on the front.

Contents to be filled out:

1, date (uppercase);

2, amount, capitalization amount depends on the left side; the amount of the lowercase;

3, seal.

Financial seal and legal representative's personal seal.

4. Password is also required for password reservation.

Cheque is the most widely used commercial activity. Business personnel should be cautious of "check traps" when accepting cheque, because the refund of bills will bring financial losses to enterprises.

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

I. signature and seal

A drawer's signature and seal on a cheque is a specific representation of the debt of a bill. When a cheque is returned, 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 will not be signed or stamped if it is covered elsewhere. It is an unqualified cheque.

In practice, 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 cheque that is signed or sealed is not acceptable.

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

3. only the drawer's fingerprints are printed on the cheque, without any other signature or seal.

4. the cheques reversed are valid and acceptable.

5. after the cover is stamped, the check with the correct seal can be added.

Two. About invoice time

1. it is better not to fill in the cheque for the date of issue.

A cheque that lacks the date of issue is invalid, and the drawer does not have to bear any liability for the bill.

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

2. after the date is rewritten, it must be stamped at the rewriting office.

If it is not stamped, the check will be accepted.

Three. About the amount of check

The amount is one of the items that must be recorded by the cheque, and it is also an indicator of the scope of the guarantee for the debt of the bill.

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

As a result, the amount can not be rewritten once the amount is filled in, otherwise the cheque is invalid.

The amount of check should be paid attention to:

1. a cheque written in the column of the amount of the capital letter is not acceptable.

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

It is difficult to determine the amount of records only if the number is recorded, but not the "Yuan".

2. the amount of altered cheque is an invalid cheque and must not be accepted.

3. the amount of money written on a cheque should not be written zero, and the check that writes more zero 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 cheque payable to "pick up the whole" 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.

[case] 28 days, the cashier of the finance department issued a cheque for 2000 yuan to pay the loan.