Teller Knowledge: How To Issue Cheque

Cheques are divided into cash checks and transfers. Check Two. To issue cheque, we should pay attention to the following questions:

　　 (1) we must strictly implement the "nine prohibits".

(1) it is not allowed to change the date of issue.

(2) no change in the name of the receiver is allowed.

(3) no change in the amount of capitalization is allowed. In accordance with the bill law, the amount, date and name of the payee will become invalid if the name of the cheque is changed.

(4) no blank cheque can be issued, that is, a cheque that exceeds the balance of the bank account.

(5) no future cheques are allowed to be issued.

(6) I is not allowed to issue blank checks. A blank cheque issued is a check that seals the seal first. The loss of the check will cause undue economic loss.

(7) it is forbidden to issue defective cheques. Defects in the form of checks are mainly:

(1) the seal does not conform to the fact that the seal on the cheque does not conform to the reserved seal of the bank, or the seal on the cheque is not fully covered. When a bank examines the seal's discrepancy, it will also impose a fine of 5% but not less than 1000 yuan, in addition to the cancellation of the cheque.

(2) a cheque printed with ink and not printed on ink or a blurred check between the seals.

3. A cheque drawn from a dirty person is a check that is broken, stained, unrecognizable or not written.

4. Account number A cheque that does not match the name of the account or the name of the account is abbreviated.

(5) the check is not covered by the change place.

A cheque that has been cleared by the paying unit.

A cheque that has not been filled or is not used properly.

It is not a check written in carbon ink or signature pen.

Buy cheque for unauthorized merchandise.

It's not our bank's cheque.

　　 (two) to achieve complete elements, real content, accurate figures and clear handwriting.

(1) cheque should be numbered consecutively. Issue You must not jump numbers.

(2) the year in the date shall be written in complete, not simplified, and shall not be written for 99 years in 1999.

(3) the payee must write the full name, not write the abbreviation, prevent the name of the account does not match, and form a refund.

(4) the issuer's bank name should be clearly stamped and not handwritten (bank accounting standard management requirements).

(5) the issuer should write the account number of his / her unit.

(6) pay attention to the date, the payee, the exact amount of the amount of writing and writing, and prevent the signing of invalid checks.

(7) other changes should be affixed with reserved seals and the use of ink paste.

(8) it is forbidden to issue cheque for fraudulent use. The issuing of cheque which is not true in use is the act of obtaining bank credit. Once discovered, the bank has imposed financial penalties in violation of the settlement system.

(9) it is forbidden to place a cheque with a seal on someone else's office for the purpose of issuing a false check or economic fraud.

(10) since there is no payment unit name column on the current cheque, the seal must be kept in the bank, so the seal must be clear; (11) no blue ink should be used. In short, we must not be opinionated in compliance with the provisions of the bank.

　　 (three) it should be issued by a special person.

The cheques should be distributed and issued by the financial department, so that no one should intervene to distinguish responsibilities. Nowadays, cheque printers are also being used in accounting departments. It is necessary to make clear that cashiers are using management.

In peacetime work, cashiers often use cheque in addition to paying attention to using other bank settlement methods, such as bank draft, bank promissory note, commercial draft, collection commitment, entrust receivables, remittance and other settlement methods to carry out and handle various economic activities.

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