ItemRegulations
Класификация на контролните записи
Checkrecordsinclude:absoluterecords,relativerecords,andnon-statutoryrecords.mycountry's"NegotiableInstrumentsLaw"and"PaymentandSettlementMeasures"stipulatethattwoabsoluterecordscanberecordedbytheissuerintheformofauthorizedsupplementaryrecording,including:theamountofthecheckandthenameofthepayee.Notethatitcannotbeusedbeforethesupplementaryrecordingismade.
(1)Absoluterecords:①Indicatethewords"check";②Unconditionalpaymentcommission;③Confirmedamount;④Nameofpayer;⑤Dateofissue;⑥Signatureandsealofissuer.ItisarequiredentryrequiredbytheNegotiableInstrumentsAct.Ifacertainentryismissing,theinvoicewillbeinvalid.
(2)Relativerecords:①Theplaceofpayment(iftheplaceofpaymentisnotrecordedonthecheck,theplaceofpaymentisthebusinessplaceofthepayer)②Theplaceofissue(wheretheplaceofissueisnotrecordedonthecheck),Thenthebusinessplace,residence,andhabitualresidenceoftheissuershallbetheplaceofissue).Itmeansthatthenegotiableinstrumentlawrequiresthatitshouldberecordedbutnotrecorded.Ifitisnotrecorded,itcanbepresumedthroughlegalprovisionswithoutcausingthenegotiableinstrumenttobeinvalid.
(3) Незадължителни записи: ①целта на чека; ②номера на договора; ③уговорените ликвидирани щети; ④компетентния съд и др. Незадължителните записи нямат ефект върху чека.
Характеристика
1. Лесни за използване, прости и гъвкави процедури;
2.Thepaymentdeadlineforthecheckisfromthedateofissue10daysfromthebeginning;
3.Chequescanbeendorsedandtransferred,butchecksusedforcashwithdrawalcannotbeendorsedandtransferred.
Класификация
Поименен чек
(Chequepayabletoorder)isinthepayablecolumnofthecheque,indicatingthereceiptThenameofthepayee,suchas"Limitedpayment(PayAOnly)"(PayAOnly)or"SpecifiedPerson"(PayAOrder),mustbesignedandsealedbythepayeebeforewithdrawalcanbemade.
Чек на приносител
(Chequepayabletobearer)isalsoknownasaпразен чек.Thepayee’snameisnotrecordedonthecheque,andonly"Payabletobearer"iswrittenonthecheque."(Paybearer).Whenwithdrawingmoney,theholderdoesnotneedtosignonthebackofthecheckinordertowithdrawit.Thischeckisonlytransferablebydelivery.
CrossedCheque
(CrossedCheque)isacheckwithtwoparallellinesdrawnonthefrontofthecheque.Crossedchequesaredifferentfromordinarychecks.Crossedchequesarenotallowedtobecollectedbythebank,sothebankcanonlyentrustthebanktocollectthepaymentandenteritintotheaccount.Thepurposeofusingacrossedcheckistorecoverthepaymentthroughcluescollectedbythebankwhenthecheckislostorfraudulentlycollected.
Сертифициран чек
(Сертифициран чек)meanstopreventthedrawerfromissuingabadcheck,toensurepaymentwhenthecheckispresented,andthereceiptofthecheckThepersonortheholdermayrequestthebankto"guarantee"thecheck.Guaranteedpaymentiswhenthepayingbankaffixesa"guaranteed"stamponthechecktoindicatethatthepaymentmustbemadewhenthecheckispresented.Oncethechequeisguaranteedandpaid,thepaymentresponsibilityisbornebythebank.Boththedrawerandendorserareexemptfromrecourse.Afterthepayingbankguaranteesthepaymentofthecheck,itwilltransferthepaymentfromtheissuer'saccounttoaspecialaccountforpayment.Therefore,whentheguaranteedcheckispresented,itwillnotberefunded.
CashCheque
(cashCheque)isakindofchequespeciallymadetowithdrawcash.Whencustomersneedtousecash,theycansigncashchecksatanytimeandwithdrawcashfromthebankthatholdstheaccount.Thebankwillunconditionallypaythepayeeacashbillofacertainamountwhentheticketisseen.
Банков чек
(Banker’sCheque)isachequeissuedbyabankandpaidbythebank.Itisalsoabankdraftatsight.Bankscanwritebankcheckswhenhandlingdraftremittancesonbehalfofcustomers.
Пътнически чек
(Пътнически чек)isafixed-amountpaymenttoolissuedbyabankortravelagencyfortourists.Ameansofpaymentforinstitutionstopurchasewithcash.
Comparedwithotherchecks,traveler’scheckshavethefollowingcharacteristics:
①Сумата е относително малка.
②Thereisnodesignatedpayerandpaymentplace.Youcanwithdrawmoneyattheforeignbranchoftheissuingbank,travelagencyoragencypoint.
③Itissafer.Whenpurchasingtraveler’schequesandwithdrawingmoney,travelersmustgothroughtheinitialsigningandre-signingprocedures,andthetwomustmatchbeforewithdrawing.
④Thesenderisalsothepayee.Othercheckscanonlybeissuedbydepositinginabank,andtraveler'schecksarepurchasedwithcash,similartobankdrafts,exceptthatthesenderoftraveler'schecksisalsothepayee.
⑤Thecirculationperiodisnotspecified.Sincetheissuanceoftraveler’schecksrequiresahandlingfee,andtheoccupiedfundsdonothavetopayinterest,itisprofitable.Therefore,variousbanksandtravelagenciesarecompetingtoissuetraveler’schecks.
Кандидатствам за
1.Toopenacheckingdepositaccount,theapplicantmustusehisorherrealnameandsubmitalegaldocumenttoprovehisidentity;
2.OpenForcheckingdepositaccounts,applicantsshouldreservetheirownsignaturestyleandseal;
3.Toopencheckdepositaccountsandreceivechecks,theyshouldhavereliablecreditanddepositacertainamountoffunds.
Използвайте
1.Transfercheckscanbeendorsedandtransferred;cashcheckscannotbeendorsedandtransferred.
2.Thecheckreminderpaymentperiodistendays(fromthedaythecheckisissued,theduedatewillbepostponedincaseofofficialholidays).
3.Thedateofissuanceofthecheck,thecapitalizationamountandthenameofthepayeeshallnotbechanged.Ifothercontentiswrong,itcanbecorrectedbycrossingalineandaffixedwithoneofthereservedbankseals.
4.Ifthecheckislost,youcanapplytothepayingbanktoreportthelossandstoppayment;thebankwillnotacceptthepaymentifthepaymenthasbeenmadebeforethelossisreported.
5.Theissuerissuesablankcheck,acheckwhosesealdoesnotmatchthebank'sreservedseal.Inadditiontorefundingthecheck,thebankwillalsocharge5%ofthefaceamountbutnotlessthan1,000yuanfine.Theholderhastherighttorequestthedrawertocompensate2%ofthecheckamount.
*6,"PaymentandSettlementMeasures"ofthePeople'sBankofChina(Yinfa[1997]No.393)"Article125Theissuerissuesablankcheck,andacheckwhosesealdoesnotmatchthebank'sreservedseal,Използвайтеthepaymentpasswordarea,paythecheckwiththewrongpassword,thebankshallrefundtheticketandimposeafineof5%butnotlessthan1,000yuanonthefaceamount;theholderhastherighttoaskthedrawertocompensate2%ofthecheckamount..Forrepeatedissuance,thebankshallstoptheissuanceofchecks.""NoticeofthePeople'sBankofChinaonIssuesConcerningAdministrativePenaltiesforIssuingBadCheques"(Yinfa[2005]No.114)"Part(1)QualificationsofSubjectstoImposePenalties:Inaccordancewiththerelevantprovisionsofthe"AdministrativePunishmentLawofthePeople'sRepublicofChina"andthe"MeasuresfortheImplementationofBillManagement",thePeople'sBankofChinaanditsbranchesshallimplementtheissueofbadcheques,andtheissuersofchequeswhosesignaturesandsealsdonotmatchthereservedbankaccounts.Administrativepenalties.Articles125and239ofthe"PaymentandSettlementMeasures"shallbesuspended."
Обхват на приложение
AllpaymentsbetweenunitsandindividualsinthesamecitybillexchangeareaCheckscanbeusedforsettlement.SinceJune25,2007,chequeshavebeenadoptednationwide,andchequescanalsobeusedforpaymentandsettlementbetweendifferentcities.
Процедури за кандидатстване
1.Toopenacheckingdepositaccount,theapplicantmustusehisorherrealnameandsubmitalegaldocumenttoprovehisidentity;
2,openToopenacheckdepositaccount,theapplicantshouldreservehisownsignatureandseal;
3.Toopenacheckdepositaccountandreceiveacheck,theapplicantshouldhaveareliablecreditanddepositacertainamountoffunds.
Докладвайте загубата
Commonchequesandcashchequesthathavebeenissued.Ifitislostduetoloss,theft,etc.,youshouldimmediatelyapplytothebanktoreporttheloss.
(1)Iftheissuerlosesorstolenacheckthatcanbedirectlywithdrawnincash,etc.,itshouldissueanofficialletterorrelevantcertification,andfillinthetwo-partlossreportapplicationform(youcanreplaceitwithanincomingbill),stampthesignatureandsealofthereservedbank,andapplytothebankthatopenedtheaccounttoreportthelossandstoppayment.Thebankfindsthatthecheckhasnotbeenpaid,andacceptsthereportofthelossafterchargingacertainlossreportingfee,andusesaredpentoindicatethechecknumberandthedateofthelossreportintheaccountofthepersonwhoreportedtheloss.
(2)Thepayeeshallalsoissueanofficialletterorrelevantcertificationforthelossortheftofthechequeacceptedfordirectcashwithdrawal,andfillinthetwocopiesoftheapplicationforreportinglossandstoppayment,signedbythepayerAfterproof,applytothepayee'sbanktoreportthelossandstoppayment.Otherrelevantproceduresarethesameasabove.Atthesametime,accordingtoArticle15paragraph3ofthe"NegotiableInstrumentsLaw":"Thepersonwholosestheticketshall,within3monthsafterthenotificationofthelossreportandstoppayment,orafterthelossoftheinstrument,applytothepeople’scourtforpublicnotice,orfilearequestwiththepeople’scourt.Litigation."Thatis,whenthebillisstolen,lost,ordestroyed,theholderofthenegotiablebillthatcanbeendorsedmustapplyinwritingtothebasicpeople'scourtwherethebillispaid(thatis,theplaceofpayment).Intheapplicationformsubmittedbythepersonwholostthetickettothepeople’scourt,themaincontentoftheticket,includingthetypeoftheticket,theamountoftheticket,thedrawer,thepayer,andtheendorser,shouldbestated,andthecircumstancesofthelossoftheticketshouldbestated.Atthesametime,relevantevidenceshouldbepresentedtoproveTheholderofthenegotiableinstrumentthatheisindeedtheloserhastherighttoapply.
Beforethepersonwholosttheticketreportedthelosstothepayer,orbeforethepersonwholosttheticketappliedforpublicreminder,ifthebillhasbeenpaidingoodfaithbythepayer,thepersonwholosttheticketshallnotapplyforpublicremindertomakepaymentagain.Thebankisnolongerliableforpayment.Thelosscausedtotherightholderofthecheckshallbebornebythepersonwholostthecheck.
Accordingtoregulations,thetransfercheckthathasbeenissuedislostorstolen.Sincethischeckcanbeusedtopurchasegoodsdirectly,thebankdoesnotacceptlossreporting.Therefore,thepersonwholosestheticketcannotapplytothebanktoreportthelossorstoppayment.Butyoucanaskthepayeeandthebankthatholdstheaccounttohelppreventit.Ifthelostcheckexceedsthevalidityperiodorthepayingbankhaspaidforthecheckbeforereportingtheloss,alllossescausedbythisshallbebornebythepersonwholostthecheck.
Въпроси, изискващи внимание
Дали може да се използва за плащане
ThecheckisissuedbythedrawerandentrustedtothebankorotherbankthathandlesthedepositbusinessAfinancialinstitutionunconditionallypaysacertainamountofabilltothepayeeortheholderwhenthebillisseen.Thereare3typesofchecks,ordinarychecks,cashchecks,andtransferchecks.Acashcheckcanonlybeusedtowithdrawcash.Itcanbeissuedbythedepositorandusedtowithdrawcashfromthebankfortheunit,oritcanbeissuedtootherunitsandindividualsforsettlementorentrustthebanktopaycashtothebeneficiary;transfercheckItcanonlybeusedfortransfers.Itissuitablefordepositorstotransferfundstobeneficiarieswithinthesamecitytohandlecommoditytransactions,laborsupply,debtrepaymentandothersettlementsettlements;ordinarycheckscanbeusedtowithdrawcashorcanИзползвайтеdfortransfers.However,thetwoparallellinesdrawnontheupperleftcornerofanormalcheckarecrossedchecks,whichcanonlybeusedfortransfersandcannotbewithdrawnincash.
Tosumup,thecharacteristicsofchecksettlementaresimple,flexible,fastandreliable.Theso-calledsimple,itreferstothesimpleandconvenientsettlementproceduresusingcheques.Aslongasthepayerhasenoughdepositsinthebank,itcanissueachequetothepayee,andthebankcanhandlethetransferofmoneyorcashpaymentwiththecheque.Theso-calledflexiblemeansthataccordingtoregulations,thecheckcanbeissuedbythepayertothepayeefordirectsettlement,orthepayercanissuetheinvoiceandentrustthebanktoactivelypaythepayee.Inaddition,thetransfercheckcanalsobeendorsedinthedesignatedcity.transfer.Theso-calledspeedyreferstotheuseofchequesforsettlement.Thepayeesendsthetransferchequeandthepaymentsliptothebank,whichcangenerallybecreditedonthesamedayorthenextday,andcashcanbeobtainedatthetimewhenacashchequeisused.Theso-calledreliabilitymeansthatbanksarestrictlyprohibitedfromissuingbadchecks.Eachunitmustbewithinthebalanceofbankdepositstoissuechecks.Therefore,thepayeecanobtainthemoneywiththecheck.Generally,thereisnonormalpaymentfailure.
Стил и формат на попълване
Commonchecksaredividedintocashchecksandtransferchecks.Itisclearlymarkedonthefrontofthecheck.Cashcheckscanonlybeusedtowithdrawcash(onlywithinthesamecity);transfercheckscanonlybeusedfortransfers(onlywithinthesamecity,includingYuhangandXiaoshan).
Попълване на чек:
1.Ticketissuancedate(uppercase):Numbersmustbeinuppercase,uppercasenumbersarewritten:zero,One,Two,Three,Four,Five,Lu,Seven,Ba,Jiu,Shi.Forexample:August5th,2005:Twoandzerofiveyears,fivemonthsandfivedays.
Whenfillinginthemonthandday,themonthisone,twoandoneten,andthedayisonetonineandone.Forpick,twoandthree,"zero"shouldbeaddedinfrontofit;fordaysfromonetotennines,"one"shouldbeaddedinfrontofit.Forexample,February12thshouldbewrittenaszerotwomonthsandonetenthday:October20thshouldbewrittenaszeroonetenthmonthandtwodays.
2,Payee:
(1)КасаpayeecanWritethenameoftheunit.Atthistime,thefinancialsealandlegalpersonsealoftheunitwillbestampedinthecolumnof"endorsedperson"onthebackofthecashcheck.Afterthat,thepayeecandirectlywithdrawcashatthebankwheretheaccountisopenedbypresentingthecashcheck.(Becausesomebanksareconnectedtothenetwork,theycanalsowithdrawmoneyatthenetworkedbusinesspoints,dependingonthecoverageofthenetwork).
(2)Thepayeeofthecashcheckcanbewrittenasthepersonalnameofthepayee.Atthistime,thereisnosealonthebackofthecashcheck.ThepayeeshouldfillintheIDnumberandissuingauthorityonthebackofthecashcheckName,signandcollectpaymentwithIDcardandcashcheck.
(3)Thepayeeofthetransfercheckshouldbethenameoftheotherparty’sunit.Thecompanydoesnotstampthebackofthetransfercheque.Afterreceivingthetransfercheck,thepayeeshallaffixthespecialfinancialsealandlegalpersonsealofthepayeeintheendorsedcolumnonthebackofthecheck,fillinthebankstatementandsubmitthechecktotheaccountopeningbankofthepayeetoentrustthebankforcollection.
3.Thenameofthepayingbankandtheaccountnumberofthedrawer:thenameofthebankthatopenedtheaccountandthebankaccountnumberoftheunit,theaccountnumberinlowercase.
4.Renminbi(uppercase):Capitalizationofnumbers:zero,one,two,three,four,five,lu,seven,p,nine,ten,hundred,thousand,Trillion,billion.Checkfillingstyleandformat.
Забележка: "10 000" не са придружени от един човек.
Forexample:(1)289,546.52twohundredandtenthousandfivehundredandtenthousandfivehundredandfivehundredandsixpoints.
(2)7,560.31SeventhousandfivehundredLuShiyuanzerotriangleandoneminute
По това време "LuShiyuanнулев триъгълник и една минута" и "нула" могат да бъдат написани или не могат да се пишат
(3) 532,00 Петстотин триста и две Юенджън
Също така е възможно да се напише "zheng" като "цяло". Не може да се напише като "нулев ъгъл и нулеви точки"
(4)425.03четиристотиндвадесет и пет юананулатри точки
(5)325.20триста двадесет и пет юантадваъгълник.
Думата "положителен" може да бъде добавена след знака на ъгъла, но "нула точки" не може да бъде написана, което е по-специално.
5.LowercaseRMB:Thefirstblankboxofthehighestamountisdeletedwiththeprefix"¥",andthenumberisrequiredtobecompleteandclear.
6. Предназначение:
(1) Има определени ограничения относно чековете в брой, обикновено попълвайте "резервни средства", "пътни разходи", "заплата", "Трудови такси" и т.н.
(2) Няма специфични правила за чекове за прехвърляне, като "плащане", "такса на агент" и скоро.
7. Печат:
Thefrontofthecheckisstampedwithaspecialfinancialsealandacorporateseal.Bothareindispensable.Theinkpadisred.ThesealmustbeclearandfuzzyYoucanonlyinvalidatethischeck,replaceitwithanewone,fillinandre-stampit.See"2.Payee"forwhetherthereversesideisstampedornot.
8. Плащане:
1.Попълване на законопроекта, в три екземпляра.
2.Има два начина за изпращане на чека за превод до банката:
(1)Tothepayee’sbank,thepayeeneedstobestampedandendorsed,andthecheckisintheendorsementcolumnFillintheaccountbankofthepayee,andwriteentrustedcollectioninthebottomcolumn.Andputthesealreservedbythebankintheendorsementframe,thatis,thespecialfinancialsealandthecorporateseal.
(2)Ifyouareworriedthattheotherpartyisissuingabadcheck,youcanalsogotothepayer’sbanktodepositthecheck.Inthiscase,thecheckdoesnotneedtobeendorsed.
3.Thecashcheckisdirectlydeliveredtotheissuingbankoftheissuer,andthepayeemustendorseit.Ifitisaunit,stampthepayee’sfinancialsealandacorporatesealonthebackofthecheck,ifitisanindividual,FillintheIDnumber,theissuingauthority,andsign.
9. Здрав разум:
(1)Theremustbenotracesofalterationonthefrontofthecheck,otherwisethecheckwillbeinvalid.
(2)Ако получателят установи, че чекът не е пълен, той може да направи допълнение, но не може да бъде променено.
(3)Thevalidityperiodofthecheckis10days,andthebeginningandtheendofthedatearecountedasoneday.Holidaysarepostponed.
(4)Checksarepayableonsight,anonymous.(Lostcheques,especiallycashcheques,maybetheamountofmoneylost,andthebankisnotresponsible.Касаsgenerallyhavealltheelementsfilledin.Ifthechequeisnotfraudulentlycollected,reportthelossatthebankwheretheaccountwasopened;ifthetransferchequehasalltheelementsfilledin,Докладвайте загубатаatthebankwheretheaccountwasopened.Iftheelementsarenotfilledincompletely,reportthelosstotheclearinghouse.)
(5)Thestamponthebackofthecashcheckfromtheissuingunitisblurred.Youcancrosstheblurredstampandre-sealit.Onetime,butnomorethanthreeseals.
(6)Thesealonthebackofthetransfercheckofthepayeeunitisblurred(atthistime,thebilllawstipulatesthatthere-sealmethodcannotbeusedtoremedyit),andthepayeeunitcanbringthetransfercheckandbankstatementGotothebankoftheissuingunittogothroughthecollectionprocedures(withoutpayingthehandlingfee),commonlyknownas"flip",soyoudon'tneedtogototheissuingunittore-writethecheck.
(7)Drawtwoslashesintheupperleftcornerofthechecktopreventthecheckfrombeingwithdrawnafteritislost,thatis,itcanonlybedonebybanktransfer.
Каса
Whenthedrawer'saccountopeningbankreceivescashfromthepayeewithacashcheque(Appendix15),itshouldcarefullyreview:
(1)Whetherthecheckisauniformlyprintedvoucher,whetherthecheckistrue,andwhetherthepaymentdeadlineisexceeded;
(2) Дали името на получателя, попълнено в чека, е Получателят, дали получателят подписва „Подписа на получателя“ на гърба на чека и дали неговият подпис е в съответствие с името на получателя;
(3)Drawer'ssignatureWhetheritmeetstheregulations,andcheckwhetherthesignatureandthereservedbanksignatureareconsistentwiththecorners.Ifthepaymentpasswordisused,whetherthepasswordiscorrect;
(4)Whethertheupperandlowercaseamountofthecheckisconsistent;
(5)Whethertheitemsthatmustberecordedinthecheckarecomplete,whethertheamountoftheticketisissued,thedateoftheticket,andthenameofthepayeehavebeenchanged,andwhetherthechangeofotherrecordeditemsiscertifiedbytheoriginalrecorder'ssignature;
(6) Дали има достатъчно плащане по сметката на чекмеджето;
(7)Whetherthecashwithdrawnmeetsthenationalcashmanagementregulations.
Ifthebeneficiaryisanindividual,theidentitydocumentshouldalsobereviewed,andwhetherthename,numberandissuingauthorityoftheidentitydocumentshouldbeindicatedonthebackofthechequeinthe"signatureofthebeneficiary".Aftertheexaminationiscorrect,abronzemedaloramatchingslipwillbeissued,andthepayeecanwithdrawthemoneyfromthecashier.Atthesametime,paymentismadefromtheaccountofthedrawer,andthecheckissenttothecashierforpaymentasadebitvoucher.Theentryis:
(дебит)××субектна сметка
(кредит) пари в брой
Процедури за обработка на кръстосани проверки
Thehandlingproceduresfortheкръстосан чек(attachment16)bytheholderandtheissuingbank’saccountshallbehandledinaccordancewiththeproceduresin1.
Процедури за обработка на обикновени чекове
Ifthedrawer'saccountopeningbankreceivesthepayeewithordinarycheques(attachmentsixteen)towithdrawcash,followtheproceduresin2.
Forthetransferofordinarychecks,pleasefollowtheproceduresin1.
Разлики със записи на заповед
Прилики
1, имат същата природа
(1)areallequitysecurities.Thatistosay,theholderofthebillusesthecontentoftherightsrecordedonthebilltoprovetherightsofthebillinordertoobtainproperty.
(2)areallformatsecurities.Theformatofthebill(itsformandrecordeditems)isstrictlyregulatedbythelaw(ie,theNegotiableInstrumentLaw),andnon-compliancewiththeformathasacertainimpactontheeffectivenessofthebill.
(3)arealltextsecurities.Thecontentofthebillrightsandallmattersrelatedtothebillshallbesubjecttothewordsrecordedonthebill,andshallnotbeaffectedbymattersotherthanthewordsonthebill.
(4)Allsecuritiesaretradableandtransferable.Theclaimsofgeneraldebtcontracts.Ifyouwanttotransfer,youmustobtainthedebtor'sconsent.Andasabillofnegotiablesecurities.Itcanbefreelytransferredandcirculatedthroughthesimpleprocedureofendorsementordeliveryofbillswithoutendorsement.
(5)arealluncausedsecurities.Thatistosay,theexistenceoftherightsonthebillisonlydeterminedbythetextonthebillitself,andtherightholderenjoystherightsofthebillonlyifitisnecessarytoholdthebill.Asforthereasonwhytheobligeeobtainsthebill,thereasonfortheoccurrenceofthebillrightcanbeignored.Whetherthesereasonsexistornot,whethertheyareeffectiveornot,doesnotaffecteachotherinprinciplewiththerightsofthebill.Becauseourcountry'sbillsarenotcompletelybillsinthesenseofbilllaw.It'sjustthewayofbanksettlement,thiskindofnon-causeisnotabsolute.
2,havethesamebillfunction
(1)exchangefunction.Relyingonthisfunctionofbills,thespaceobstacleofcashpaymentbetweenthetwoplacesissolved.
(2)Creditfunction.Theuseofbillscansolvethetimebarrierofcashpayment.Thebillitselfisnotacommodity,itisawrittenpaymentvoucherbasedoncredit.
(3)Paymentfunction.Theuseofbillscansolvethetroubleofcashpaymentprocedures.Billscanbetransferredmultipletimesthroughendorsementsandbecomeacirculationandpaymenttoolinthemarket,reducingtheuseofcash.Moreover,duetothedevelopmentofthebillexchangesystem,billscanbeclearedcentrallythroughtheclearingcenter,simplifyingsettlementprocedures,speedingupcapitalturnover,andimprovingtheefficiencyofsocialcapitaluse.
Различни точки
(1)Promissorynotesareagreed(appointedtopaybyoneself)securities;billsofexchangeareentrusted(entrustedtopaybyothers)securities;chequesareentrustedPaymentofsecurities,butthetrusteeislimitedtobanksorotherstatutoryfinancialinstitutions.
(2)mycountry'sbillsaredifferentintheareasofuse.Promissorynotesareonlyusedforthesettlementofcommoditytransactions,laborsuppliesandotherpaymentswithinthesamecity;chequescanbeusedinthesamecityorinclearingareas;moneyorderscanbeusedinthesamecityandindifferentplaces.
(3)Thepaymenttermisdifferent.Thepaymenttermofthepromissorynoteisonemonth,andthebankwillnotacceptitifitisoverdue;thebillofexchangeinmycountrymustbeaccepted,therefore,theholdercannotredeemitwhentheacceptanceisdue.Whenthepayer’saccountontheduedateofthecommercialacceptancebillisinsufficienttopay,thebankthatholdstheaccountshallreturnthecommercialacceptancebilltothepayeeortheendorsed,anditshallhandleitbyitself.Bankacceptancebillsarepaidonthematuritydate,butiftheacceptancematuritydatehaspassedandtheholderdoesnotrequireredemption,the"BankSettlementMeasures"doesnotprovideforhowtodealwithit.Eachbankhasmadesomesupplementaryregulationsonitsown.IftheICBCstipulatesthattheholderdoesnotrequireredemptionwithinonemonthoftheacceptancedate,theacceptanceshallbecomeinvalid.Thecheckpaymentperiodis5days(thepaymentperiodofthetransfercheckintheendorsementtransferareais10days.Fromthedayaftertheissuance,theduedatewillbepostponedduetothecustomaryholiday).
(4)Moneyordersandcheckshavethreebasicparties,namelythedrawer,thepayer,andthepayee;whilethepromissorynotehasonlythedrawer(thepayerandthedrawerarethesameperson)andthepayeePeoplearetwobasicparties.
(5)Theissuerofthecheckmusthaveafinancialrelationshipwiththepayerbeforethecheckcanbeissued;theissuerofthebillofexchangedoesnothavetohaveafinancialrelationshipwiththepayer;theissuerofthepromissorynoteTheticketholderandthepayerarethesameperson,andthereisnoso-calledfinancialrelationship.
(6)Theprincipaldebtorofchecksandpromissorynotesisthedrawer,whiletheprincipaldebtorofthebillofexchangeisthedrawerbeforeacceptanceandtheacceptorafteracceptance.
(7)Forwarddraftsneedtobeaccepted,chequesgenerallydonotneedtobeacceptedatsight,andpromissorynotesdonotneedtobeaccepted.
(8)Thedrawerofthebillofexchangeguaranteestheacceptancepayment.Ifthereisanotheracceptor,theacceptorwillguaranteethepayment;thedrawerofthecheckguaranteesthepaymentofthecheck;thedrawerofthepromissorynoteisresponsibleforthepayment.
(9)Holdersofchequesandpromissorynotesonlyhavetherightofrecourseagainstthedrawer,whileholdersofbillsofexchangehavetherightofrecourseagainstthedrawer,endorser,andacceptorduringthevalidityperiodofthebill.Thereisrecourse.
(10) Има копие от паричния превод, но няма запис на заповед и чек.
Общи фрази
чекова книжка
чекмедже
чекодържател
Чек на приносител чек на приносител/чек на приносител
Чек на приносител/чек на приносител чек по поръчка
Чек с предварителна дата
Неизтекъл чек с дата
заверен чек
върнат чек
кръстосан чек
normalcrossLinegeneralcrossing
специално пресичане
празен чек
сталечек
нормален чек отворен чек
Чек за $10 000, без 10% отстъпка
Чек за $10 000, без 10% отстъпка
Чек за $10 000 с 10% отстъпка, (11 000 юана) чек за $10 000 плюс 10% такси
токашачек
toclearacheque
Гарантирано осребряване за заверка на чек
Tofillupacheque
tocrossacheque
Developachequetomeoutacheque
todrawacheque/toissueacheque
overdrawacheque
toendorseacheque
topayacheque/tohonouracheque
todishonouracheque
да откажа чек
да спрете плащането на чек
topresent forpayment
payabletobearer
Плаща се по поръчка
остарял/застоял
Моля, дайте R/D/refertodrawer
Недостатъчен депозитN/S/NSF/недостатъчни средства/I/F/недостатъчни средства
Думите и фигурите се различават
Времето за обмен на чека е изтекло, акаунтът е затворен
Thechangeshouldbestampedwiththesealalterationsrequireinitials
ефектите не са изчистени
плащането е спряно
chequemutilated
Правна декларация
ChinaTherelevantlegalprovisionsonchecksintheNegotiableInstrumentsLawareasfollows:
Article82ChecksareissuedbythedrawerandareentrustedThebankorotherfinancialinstitutionthathandlesthecheckdepositbusinessunconditionallypaysacertainamounttothepayeeorthenoteholderwhenthenoteisseen.
Article83Toopenacheckingdepositaccount,theapplicantmustusehisorherrealnameandsubmitalegalcertificatetoprovehisidentity.
Toopenacheckdepositaccountandreceivechecks,youshouldhaveareliablecreditanddepositacertainamountoffunds.
Toopenacheckingdepositaccount,theapplicantshouldreservethesignatureandsealofhisrealname.
Article84Chequescanbewithdrawnincashortransferred.Whenusedfortransfer,itshouldbeindicatedonthefrontofthecheck.
Ifacheckisspecificallyusedforcashwithdrawal,acashcheckcanbemadeseparately,andacashcheckcanonlybeusedforcashwithdrawal.
Ifthecheckisspecificallyusedfortransfer,youcanmakeaseparatetransfercheck.Thetransfercheckcanonlybeusedfortransfer,andnocashcanbewithdrawn.
Чековете по член 85 трябва да записват следните позиции:
(1) Посочете думите "проверка";
(2) Поверяване на безусловно плащане;
(3) Определената сума;
(4) Името на платеца;
(5) Дата на издаване;
(6) Подпис и печат на чекмеджето;
(7)The12-digitbankinginstitutioncodemustberecordedinthelowerrightcornerofthecheckinadifferentplace,and6inthesamecity.
Ifoneoftheitemsspecifiedintheprecedingparagraphisnotrecordedonthecheck,thecheckisinvalid.
Article86Theamountonthecheckcanbeaddedupontheauthorizationofthedrawer.Thecheckbeforeithasnotbeenaddedshallnotbeused.
Article87Ifthepayee'snameisnotrecordedonthecheck,itmaybeaddedwiththeauthorizationofthedrawer.
Iftheplaceofpaymentisnotrecordedonthecheck,thebusinessplaceofthepayershallbetheplaceofpayment.
Iftheplaceofissueisnotrecordedonthecheck,thebusinessplace,residenceorhabitualresidenceofthedrawershallbetheplaceofissue.
Издателят може да се запише като получател на чека.
Article88Theamountofthecheckissuedbythedrawerofthecheckshallnotexceedtheactualamountofdepositinthepayeratthetimeofpayment.
Iftheamountofthecheckissuedbythedrawerexceedstheamountactuallydepositedatthepayeratthetimeofpayment,itisabadcheck.Itisforbiddentoissuebadchecks.
Article89Theissuerofacheckshallnotissueacheckthatdoesnotmatchthesignatureorsealofhisreservedrealname.
Article90Thedrawermustberesponsibleforguaranteeingpaymenttotheholderinaccordancewiththeamountofthecheckissued.
Whenthedrawer’sdepositatthepayerissufficienttopaythecheckamount,thepayershallpayinfullonthesameday.
Article91Checksarelimitedtopayatsight,andthepaymentdateshallnotberecordedseparately.Ifthepaymentdateisrecordedseparately,therecordisinvalid.
Article92Theholderofacheckshallpresentforpaymentwithin10daysfromthedateofissuance;foracheckusedinadifferentplace,thetimelimitforpresentingpaymentshallbeseparatelystipulatedbythePeople’sBankofChina.
Thepayermaynotmakethepaymentifthedeadlineforpaymentisexceeded;ifthepayerdoesnotmakethepayment,thedrawershallstillbeliableforthebilltotheholder.
Article93Ifthepayerpaystheamountofthecheckinaccordancewiththelaw,heshallnolongerbeliableforentrustedpaymenttothedrawer,andshallnolongerbeliableforpaymenttotheholder.However,thepayerdoesnotpayinbadfaithorgrossnegligence.
Article94Inadditiontotheprovisionsofthischapter,theendorsementofchecks,paymentbehavior,andtheexerciseoftherightofrecourseshallbegovernedbytheprovisionsofChapter2ofthislawondrafts.
Inadditiontotheprovisionsofthischapter,theissuanceofchecksshallbegovernedbytheprovisionsofArticle24andArticle26ofthislawondrafts.