Financial Management: Checks And Seal Management

In order for the account opening unit to pay the business at any time with the opening bank, or to use the cheque to pay for the payment and to settle the relationship between the debtor and the debtor between the units in the amount of the bank deposit, the unit can open the account.

In order to purchase cheque, enterprises usually reserve a certain amount of blank cheque for use.

A cheque is a kind of payment voucher. Once the relevant contents are filled and sealed with the seal of the bank, it will become a credential to withdraw cash and other units directly from the bank.

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 units revoke, merge or settle accounts, the remaining blank checks should be filled out in a list of two couplet forms, all returned 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, which is the name and the date of issue, can be paid to the purchaser by the leader of the unit, and the purpose and the amount limit must be specified.

4.

It should be issued by a finance officer or a user, and the cheque should not be handed over to the payee for signature.

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

No cheques or seals are allowed to be issued for discrepancy with 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 method of endorsement of entrusted receipts is that the holder who has not endorsed the bill, i.e. the payee on the cheque, has entrusted the collection to the Bank of account, and shall make the first one on the back of the pfer check.

In the column, fill in the words and date of the "Commission collection" and sign the seal, and at the same time, the Bank of the endorsement column on the endorsement column is filled with the Bank of Arabia.

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 endorsement.