Business Receivables Guard Against Check Traps

Business account collection is a very important link in the management of industrial and commercial enterprises.

More and more enterprises take timely and full recovery of external accounts as an important indicator to evaluate the performance of business personnel.

Cheques are the most widely used instruments in business activities. Business people should be cautious of checking traps when receiving cheque, because the refund of bills will bring financial losses to enterprises.

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

When a cheque returns a ticket, 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 the actual operation, the ticket collector should pay attention to the following points: 1..

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 signature of the drawer, no other signature or seal, is best to be refused.

The signature on the cheque can be replaced by a seal, but the signature can not be replaced by a fingerprint.

The 4. cheques reversed are valid and acceptable.

After the 5. stamps are stamped, the check with the correct seal can be added.

The drawer made a "sell" on the wrong seal. The seal was not recorded. The cheque is safe as long as the seal on the second covers is the same as the original seal in the bank and there is enough deposit in the account.

Two, about the invoice time, 1., did not fill in the date of the cheque, it is best not to accept.

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.

After rewriting the date of the 2. ticket, it must be stamped at the rewriting office.

If it is not stamped, the check will be returned by the bank.

Three, the amount of the check is one of the items that must be recorded by the cheque. It is also an indicator of the extent of guarantee for the debt of the bill.

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

Therefore, once the amount is filled, it cannot be rewritten. Otherwise, the check will not be valid.

For the check amount, we should pay attention to the following questions: cheque, "1.", which is omitted in the amount of the column, should not be accepted.

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. written checks are invalid checks and cannot be accepted.

3. the amount of capitalization on a cheque should not be written zero, and the cheque 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".

It is not acceptable to write a cheque for "4. yuan".

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.

The correct way to write 20 yuan is "collect two yuan". If it is written as "twenty", the bank will deal with it by refund.