Asset Management: Management Skills Of Cheque And Seal

In order for the account opening unit to pay the business at any time with the opening bank, or to use the cheque to handle the payment and the settlement of the credit and debt relationship between the units in the amount of the bank deposit, the unit can open the check to the opening bank, and the enterprise usually reserves a certain amount of blank cheque for use.

Cheque is a kind of

Once the relevant contents are completed and stamped with the seal of the bank, it can become a credential for directly withdrawing cash from the bank and other units for settlement.

Therefore, we must strengthen management in use, and take necessary measures to keep it in good order so as to avoid illegal use or theft or loss, and cause losses to the state and units.

1, enterprises with blank cheques must specify the designated persons to take good care of them, implement the principles of vote and printing, and leave blank cheques and seals not to be kept by one person.

In this way, we can clarify responsibilities and form a mechanism to prevent fraudulent practices.

2. When the unit canceling, merging and closing accounts, the remaining blank should be left blank.

Fill in the two linked list and return it to the bank for cancellation.

The list one is returned by the bank seal to the payee, and the other is the appendix of the clearing house.

3, we must strictly control the purchase of blank checks.

If the unit price and the amount of the purchase materials cannot be determined in advance, the cheque of the recipient and the date of issue can be handed over to the purchaser by the leader of the unit for approval, and the quota of the purpose and the amount shall be specified.

4, a cheque should be issued by a financial officer or a user. No cheque should be issued to the payee.

The check stub should be kept as well as other accounting documents.

No sign of a blank check.

A cheque that does not conform to the bank seal, otherwise the bank will pay a fine of 5% but not less than 1000 yuan in addition to the refund.

For banks that have been issued repeatedly, banks shall warn and criticize them according to circumstances, until they stop issuing cheque to the payee.

5, check settlement is limited to the same city or designated clearing area.

6, the cheques should be filled out in blue black or carbon ink, not completed according to the regulations, and the failure to avoid changing the falsely is the responsibility of the issuer.

7. If a cash cheque has been lost, it may apply to the bank for reporting loss.

The bank that has paid before the loss is not accepted.

If the issued cheque has been lost, the bank will not accept the loss report, but may request the payee to help prevent it.

8, the way to endorse the endorsement is that the holder who has not endorsed the bill, which is the payee on the cheque, has entrusted the collection to the Bank of account. He should fill in the first endorsement of the endorsement of the bank on the back of the pfer check, fill in the words and date of the "endorsement" and sign the bill, and at the same time, fill in the "endorser" column on the endorsement column to open the account bank.

If a cheque endorsed is endorsed, the endorsement shall be endorsed in the endorsement of the endorser on the back of the check or the amount of the sticky side.

No endorsement is required for active payment.

9. When accepting a bank cheque, the payee should seriously examine the following items:

(1) seriously identify the authenticity of the check;

(2) pay attention to whether the date of the check is forward or expired.

(3) review the continuity of the endorsement.