Questions about checks! The right way to fill out the check!

It's so unclear what you're talking about, is your company paying someone else's money, or is someone else paying your check???

The second question, whether you sell or buy something, is it really unclear!

The first question: Since the other party has filled in the personal name, the name of the person you hang must also be, otherwise the account does not match the bank, and sooner or later you will have to adjust the account! It is an individual who collects the money, and the person who invoices you will issue in the future must also be opened in the name of this person, not in the name of that enterprise, or make a mistake.

The second question: Are you a trading company, if it is an industrial enterprise, it doesn't matter if it happens once or twice, if it is business, it is not good, because you have to go out, industry because the materials are not easy to check, and commerce is a commodity. In the future, it is better to trade in cash so that this will not happen.

You can pay in cash, so why is it so troublesome?

The first question: as long as it is a check written by you, your bank must show the transfer. In this case, you should not use a check or wire transfer. You can only operate with cash.

The second question, like the first, should not be shown on the bank for private transactions.

It doesn't matter if you write the name on the check and write the purpose, the point is that you can't go through the bank without an invoice. In fact, you can't go through the bank account without an invoice, but if you have a large cash balance, you can use cash.

Cheque filling:

1. Date of ticket issuance (uppercase): Numbers must be capitalized, and uppercase numbers are written: zero, one, two, three, four, wu, lu, seven, 捌, jiu, pick.

For example, August 5, 2007: 2007

February 13, 2006: Two days and three days of the second month of the second month of the second year of the land year.

1) Zero words must be written before the second month of January, and zero words can be written or not written before the third month and nine months. The month of picking up to the second month must be written as one month, one month of one month, and one month of picking up two months (the word "zero" is also written in front of it, such as zero one month).

2) The zero word must be written before the day to the nine days, and the day must be written as one day and one day x day (the word "zero" is also recognized in the front, such as the day of zero day).

2. Beneficiary:

1) The payee of the cash check should be written as the name of the unit, at this time, the back of the cash check "endorsee" column stamped with the unit's special financial seal and legal person seal, and then the payee can withdraw cash directly from the opening bank with the cash check (under normal circumstances, the person holding the settlement certificate of the unit must go to withdraw, if there are special circumstances, the unit must issue a certificate with the official seal, and the withdrawer will go with the certificate).

2) The payee of the transfer check should be filled in as the name of the other party. The unit does not stamp on the back of the transfer cheque. After the receiving unit obtains the transfer check, it shall affix the special financial seal and legal person seal of the receiving unit in the endorsement column on the back of the check, fill in the bank receipt and hand it over to the opening bank of the receiving unit together with the check to entrust the bank to collect the payment.

3) The payee of the transfer check can be written as the personal name of the payee, at this time, the back of the transfer check is not stamped with any seal, the payee fills in the ID number and the name of the issuing authority on the back of the transfer check, and deposits the personal settlement account opened by the individual in the opening bank with the ID card and the transfer check. According to the latest regulations, the maximum amount of transfer cheques deposited by individuals is not more than 500,000 yuan.

Legal analysis: The act of the main bill of the check is the act of basic bill, also known as the act of issuing the bill, and the act of the main bill of the check is the act of making the bill and handing it over to the payee in accordance with the law for the purpose of establishing the right of the bill.

Legal basis: Negotiable Instruments Law of the People's Republic of China

Article 82 A cheque is an instrument issued by the drawer, and the bank or other financial institution entrusted to handle the cheque deposit business shall unconditionally pay a certain amount to the payee or bearer at the sight of the cheque.

Article 83 To open a checking deposit account, the applicant must use his or her real name and submit legal documents to prove his identity.

Answer] :d This question examines the scope, type, and filling in of the check. Cheques are divided into cash cheques, transfer cheques and general sales cheques. Therefore, choose D. Early deputy.

1.Transfer checks can now be used across provinces. Now the People's Bank of China has opened a bill image exchange system, and checks can be circulated and used throughout the country.

2.Cheques are spot bills, and banks pay at sight, with no payment period. (Article 91 of the Negotiable Instruments Act: Cheques are limited to payment at sight and the date of payment shall not be separately recorded.) If the date of payment is separately stated, such statement shall be invalid. ）

In order to prevent the bearer from not presenting the cheque for a long time, the law stipulates that the payment reminder period of the cheque is 10 days from the date of issuance (the average person is easy to regard the prompt payment period of the cheque as the payment term, which are two different concepts). After you receive the cheque, if you do not prompt the bank for payment after 10 days from the date of the cheque, the person who made the cheque (i.e. the bank) will not pay you.

3.Legally, post-dated checks are prohibited. Since the date of issue of the cheque is the basis for calculating the payment reminder period, in practice, in order to facilitate the management of the cheque, the date of the cheque must be the current actual date.

However, in practical application, there are also drawers who issue checks that do not match the actual date, as long as the bearer prompts the bank to pay, the drawer's account has full payment, and the bill management authority generally does not pursue the responsibility of the drawer.

4.Difference Between Cheque and Money Order:

1) The functions are different. A cheque is a payment instrument that has no credit function and can only be paid at sight. That is, when you write a check, you must have so much money in your account, otherwise it will be a bad check and will be penalized; The bill of exchange is a credit function, the bill of exchange has a certain payment period, and the payer will not pay you if the payment period is not reached.

Moreover, when the drawer of the bill of exchange issues the bill, there may not be so much money in the account, only after the payment period is reached, there is enough money in the account.

2) The object of the commission is different. Cheques can only be paid by the bank that handles the cheque deposit. The bill of exchange can be entrusted to the bank for payment, and it can also be entrusted to other units with better credit for payment.

3) Absolute items are different. The name of the payee may not be recorded when the cheque is issued, and the name of the payee may be added with the authorization of the drawer afterwards. The name of the payee must be stated in the bill of exchange, and the bill of exchange that is not recorded is invalid.

4) The payment date is different. Cheques cannot contain the date of payment, and cheques can only be paid at sight. In addition to the payment at sight, the bill of exchange can also record other forms of payment dates: fixed payment, regular payment after issuance, and regular payment after sight.

1. Cheques can only be used in the same clearing city, and cannot be used across provinces.

2. The payment period shall be within 10 days from the date of the ticket.

3. You can open a forward, how far and far is not limited, but you have to bear a certain risk, if the drawer is bankrupt during this period, it cannot be accounted for, and the risk must be borne by yourself.

4. The most obvious difference between the two is that the basic party of a bill of exchange includes the payer. Beneficiary and drawer, the check contains the drawer and the payee.

b Bill term, bill of exchange can be forward or sight, cheque is sight.

c. The main debtor, the main debtor of the bill of exchange is the payer or acceptor (bank acceptance or commercial acceptance), and the main debtor of the check is the drawer.

I saw the inter-provincial transfer check last year, and ICBC's was a bit complicated to receive it, so I didn't dare to collect it. It doesn't matter if you write the cheque or the date of issuance next year, but you can't withdraw it before the time comes. Cheques are valid for 10 days and money orders are valid for one month.

The money is only drawn from your account when the cheque is withdrawn, and the money is drawn after the money order is successfully processed. Bills of exchange are used across provinces and regions, and checks are basically (so far) used in the same city.

Warmly add that there is generally a limit to the amount of checks issued to other places, and the limit is 500,000 people, which will not be accepted by ordinary banks! Now it can be used across provinces between Beijing, Tianjin and Hebei, as well as between several coastal cities, I don't remember much!

This question should be a, b, c.

I remember that I did this question on the test, the check used to withdraw cash cannot be endorsed and transferred.

1. The correct statement about cheques is as follows: cheques are applicable to the same clearing area; The payer of the cheque is the drawer's bank as stated on the cheque.

2. Description. Provisions on cheques in the Payment and Settlement Measures:

1. Concept. A cheque is an instrument that indicates that the bank that entrusts the bank to handle the cheque deposit business unconditionally pays a certain amount to the payee or bearer at the sight of the cheque. The basic parties to a check include the drawer, the payer, and the payee.

The drawer, i.e., the depositor, is the unit or individual that has opened a deposit account that can use the check in the banking institution that has been approved to handle the check business; The payer is the drawer's bank；The bearer is the payee indicated on the face of the ticket, or it can be the endorsee who is transferred by endorsement.

2. Scope of application. Units and individuals inSame clearing areaCheques can be used for all kinds of payments. The National Cheque Imaging System supports nationwide use.

3. Items to be recorded in the check. The following must be stated in the issuance of a cheque: the word "cheque"; entrustment of unconditional payment; the amount determined; Payer's name; the date of ticket issuance; Signature of the drawer.

If one of the items specified in the preceding paragraph is not recorded on the check, the check is invalid. The amount of the check and the name of the payee may be authorized by the drawer to make up the record, and the transfer shall not be endorsed and the payment shall not be prompted before the payment is made. If the place of payment is not stated on the check, the place of business of the payer shall be the place of payment.

If the place of issuance is not stated on the cheque, the place of business, domicile or habitual residence of the drawer shall be the place of issuance. The drawer can record himself or herself as the payee on the cheque.

4. The bill can be endorsed and transferred, but the bank draft, bank cashier's check and the word "cash" are filled inCheques used for cash withdrawal may not be endorsed for transfer.

a. Cheques are applicable to the same clearing area.

b. The payer of the check is the drawer's bank recorded on the check.

c. The place of payment of the cheque is the place where the payer is located.