Položka Předpisy
Klasifikace kontrolních záznamů
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)Nezákonné záznamy:①účel kontroly;②číslo smlouvy;③dohodnutá náhrada škody;④příslušný soud atd.Nezákonné záznamynemají na kontrolu vliv.
Funkce
1. Snadno použitelné, jednoduché a flexibilní postupy;
2.Thepaymentdeadlineforthecheckisfromthedateofissue10daysfromthebeginning;
3.Chequescanbeendorsedandtransferred,butchecksusedforcashwithdrawalcannotbeendorsedandtransferred.
Klasifikace
Registrovaný šek
(Chequepayabletoorder)isinthepayablecolumnofthecheque,indicatingthereceiptThenameofthepayee,suchas"Limitedpayment(PayAOnly)"(PayAOnly)or"SpecifiedPerson"(PayAOrder),mustbesignedandsealedbythepayeebeforewithdrawalcanbemade.
Bearercheque
(Chequesplatný na doručitele)isalsoknownasabianco šek.Thepayee’snameisnotrecordedonthecheque,andonly"Payabletobearer"iswrittenonthecheque."(Paybearer).Whenwithdrawingmoney,theholderdoesnotneedtosignonthebackofthecheckinordertowithdrawit.Thischeckisonlytransferablebydelivery.
Křížový šek
(Křížový šek)isacheckwithtwoparallellinesdrawnonthefrontofthecheque.Crossedchequesaredifferentfromordinarychecks.Crossedchequesarenotallowedtobecollectedbythebank,sothebankcanonlyentrustthebanktocollectthepaymentandenteritintotheaccount.Thepurposeofusingacrossedcheckistorecoverthepaymentthroughcluescollectedbythebankwhenthecheckislostorfraudulentlycollected.
Certifikovaný šek
(Certifikovaný šek)meanstopreventthedrawerfromissuingabadcheck,toensurepaymentwhenthecheckispresented,andthereceiptofthecheckThepersonortheholdermayrequestthebankto"guarantee"thecheck.Guaranteedpaymentiswhenthepayingbankaffixesa"guaranteed"stamponthechecktoindicatethatthepaymentmustbemadewhenthecheckispresented.Oncethechequeisguaranteedandpaid,thepaymentresponsibilityisbornebythebank.Boththedrawerandendorserareexemptfromrecourse.Afterthepayingbankguaranteesthepaymentofthecheck,itwilltransferthepaymentfromtheissuer'saccounttoaspecialaccountforpayment.Therefore,whentheguaranteedcheckispresented,itwillnotberefunded.
Hotovostní šek
(cashCheque)isakindofchequespeciallymadetowithdrawcash.Whencustomersneedtousecash,theycansigncashchecksatanytimeandwithdrawcashfromthebankthatholdstheaccount.Thebankwillunconditionallypaythepayeeacashbillofacertainamountwhentheticketisseen.
Bankovní šek
(Banker’sCheque)isachequeissuedbyabankandpaidbythebank.Itisalsoabankdraftatsight.Bankscanwritebankcheckswhenhandlingdraftremittancesonbehalfofcustomers.
Cestovní šek
(Cestovní šek)isafixed-amountpaymenttoolissuedbyabankortravelagencyfortourists.Ameansofpaymentforinstitutionstopurchasewithcash.
Comparedwithotherchecks,traveler’scheckshavethefollowingcharacteristics:
①Částka je relativně malá.
②Thereisnodesignatedpayerandpaymentplace.Youcanwithdrawmoneyattheforeignbranchoftheissuingbank,travelagencyoragencypoint.
③Itissafer.Whenpurchasingtraveler’schequesandwithdrawingmoney,travelersmustgothroughtheinitialsigningandre-signingprocedures,andthetwomustmatchbeforewithdrawing.
④Thesenderisalsothepayee.Othercheckscanonlybeissuedbydepositinginabank,andtraveler'schecksarepurchasedwithcash,similartobankdrafts,exceptthatthesenderoftraveler'schecksisalsothepayee.
⑤Thecirculationperiodisnotspecified.Sincetheissuanceoftraveler’schecksrequiresahandlingfee,andtheoccupiedfundsdonothavetopayinterest,itisprofitable.Therefore,variousbanksandtravelagenciesarecompetingtoissuetraveler’schecks.
Žádat o
1.Toopenacheckingdepositaccount,theapplicantmustusehisorherrealnameandsubmitalegaldocumenttoprovehisidentity;
2.OpenForcheckingdepositaccounts,applicantsshouldreservetheirownsignaturestyleandseal;
3.Toopencheckdepositaccountsandreceivechecks,theyshouldhavereliablecreditanddepositacertainamountoffunds.
Použití
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,Použitíthepaymentpasswordarea,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."
Rozsah aplikace
AllpaymentsbetweenunitsandindividualsinthesamecitybillexchangeareaCheckscanbeusedforsettlement.SinceJune25,2007,chequeshavebeenadoptednationwide,andchequescanalsobeusedforpaymentandsettlementbetweendifferentcities.
Postupy aplikace
1.Toopenacheckingdepositaccount,theapplicantmustusehisorherrealnameandsubmitalegaldocumenttoprovehisidentity;
2,openToopenacheckdepositaccount,theapplicantshouldreservehisownsignatureandseal;
3.Toopenacheckdepositaccountandreceiveacheck,theapplicantshouldhaveareliablecreditanddepositacertainamountoffunds.
Nahlásit ztrátu
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.
Záležitosti vyžadující pozornost
Zda jej lze použít k platbě
ThecheckisissuedbythedrawerandentrustedtothebankorotherbankthathandlesthedepositbusinessAfinancialinstitutionunconditionallypaysacertainamountofabilltothepayeeortheholderwhenthebillisseen.Thereare3typesofchecks,ordinarychecks,cashchecks,andtransferchecks.Acashcheckcanonlybeusedtowithdrawcash.Itcanbeissuedbythedepositorandusedtowithdrawcashfromthebankfortheunit,oritcanbeissuedtootherunitsandindividualsforsettlementorentrustthebanktopaycashtothebeneficiary;transfercheckItcanonlybeusedfortransfers.Itissuitablefordepositorstotransferfundstobeneficiarieswithinthesamecitytohandlecommoditytransactions,laborsupply,debtrepaymentandothersettlementsettlements;ordinarycheckscanbeusedtowithdrawcashorcanPoužitídfortransfers.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.
Styl vyplnění a formát
Commonchecksaredividedintocashchecksandtransferchecks.Itisclearlymarkedonthefrontofthecheck.Cashcheckscanonlybeusedtowithdrawcash(onlywithinthesamecity);transfercheckscanonlybeusedfortransfers(onlywithinthesamecity,includingYuhangandXiaoshan).
Vyplnění šeku:
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)Hotovostní šekpayeecanWritethenameoftheunit.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.
Poznámka: „10 000“ nedoprovází jedna osoba.
Forexample:(1)289,546.52twohundredandtenthousandfivehundredandtenthousandfivehundredandfivehundredandsixpoints.
(2)7,560.31SeventhousandfivehundredLuShiyuanzerotriangleandoneminute
Atthistime „LuShiyuannulový trojúhelník a jedna minuta“ a „nula“ lze napsat, ani nezapsat
(3) 532,00 pět set a tři sta a dvě yuanzheng
Je také možné napsat "zheng" jako "celek". Nelze jej zapsat jako "nulový úhel a nula bodů"
(4) 425,03 čtyři sta dvacet pět juanzero tři body
(5) 325,20 tři sta dvacet pět ve dvou úhlech.
Slovo „kladný“ lze přidat za rohový znak, ale „nulové body“ nelze zapsat, což je zvláštnější.
5.LowercaseRMB:Thefirstblankboxofthehighestamountisdeletedwiththeprefix"¥",andthenumberisrequiredtobecompleteandclear.
6. Účel:
(1)Existují určitá omezení pro hotovostní šeky, obecně vyplňte "záložní prostředky", "cestovní náklady", "plat", "poplatky za práci" atd.
(2) Neexistují žádná specifická pravidla pro převodové kontroly, jako je „platba“, „poplatek za agenta“ a brzy.
7. Razítko:
Thefrontofthecheckisstampedwithaspecialfinancialsealandacorporateseal.Bothareindispensable.Theinkpadisred.ThesealmustbeclearandfuzzyYoucanonlyinvalidatethischeck,replaceitwithanewone,fillinandre-stampit.See"2.Payee"forwhetherthereversesideisstampedornot.
8. Platba:
1.Fillinthebill,intriplicate.
2.Existují dva způsoby, jak odeslat převodový šek do banky:
(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. Zdravý rozum:
(1)Theremustbenotracesofalterationonthefrontofthecheck,otherwisethecheckwillbeinvalid.
(2)Pokud platba zjistí, že kontrola byla dokončena, může vytvořit doplněk, ale nelze jej změnit.
(3)Thevalidityperiodofthecheckis10days,andthebeginningandtheendofthedatearecountedasoneday.Holidaysarepostponed.
(4)Checksarepayableonsight,anonymous.(Lostcheques,especiallycashcheques,maybetheamountofmoneylost,andthebankisnotresponsible.Hotovostní šeksgenerallyhavealltheelementsfilledin.Ifthechequeisnotfraudulentlycollected,reportthelossatthebankwheretheaccountwasopened;ifthetransferchequehasalltheelementsfilledin,Nahlásit ztrátuatthebankwheretheaccountwasopened.Iftheelementsarenotfilledincompletely,reportthelosstotheclearinghouse.)
(5)Thestamponthebackofthecashcheckfromtheissuingunitisblurred.Youcancrosstheblurredstampandre-sealit.Onetime,butnomorethanthreeseals.
(6)Thesealonthebackofthetransfercheckofthepayeeunitisblurred(atthistime,thebilllawstipulatesthatthere-sealmethodcannotbeusedtoremedyit),andthepayeeunitcanbringthetransfercheckandbankstatementGotothebankoftheissuingunittogothroughthecollectionprocedures(withoutpayingthehandlingfee),commonlyknownas"flip",soyoudon'tneedtogototheissuingunittore-writethecheck.
(7)Drawtwoslashesintheupperleftcornerofthechecktopreventthecheckfrombeingwithdrawnafteritislost,thatis,itcanonlybedonebybanktransfer.
Hotovostní šek
Whenthedrawer'saccountopeningbankreceivescashfromthepayeewithacashcheque(Appendix15),itshouldcarefullyreview:
(1)Whetherthecheckisauniformlyprintedvoucher,whetherthecheckistrue,andwhetherthepaymentdeadlineisexceeded;
(2) Zda je jméno příjemce platby vyplněné v šeku Příjemcem, zda příjemce podepisuje "Podpis příjemce" na zadní straně šeku a zda je jeho podpis v souladu se jménem příjemce;
(3)Drawer'ssignatureWhetheritmeetstheregulations,andcheckwhetherthesignatureandthereservedbanksignatureareconsistentwiththecorners.Ifthepaymentpasswordisused,whetherthepasswordiscorrect;
(4)Whethertheupperandlowercaseamountofthecheckisconsistent;
(5)Whethertheitemsthatmustberecordedinthecheckarecomplete,whethertheamountoftheticketisissued,thedateoftheticket,andthenameofthepayeehavebeenchanged,andwhetherthechangeofotherrecordeditemsiscertifiedbytheoriginalrecorder'ssignature;
(6) zda je na účtu zásuvky dostatečná platba;
(7)Whetherthecashwithdrawnmeetsthenationalcashmanagementregulations.
Ifthebeneficiaryisanindividual,theidentitydocumentshouldalsobereviewed,andwhetherthename,numberandissuingauthorityoftheidentitydocumentshouldbeindicatedonthebackofthechequeinthe"signatureofthebeneficiary".Aftertheexaminationiscorrect,abronzemedaloramatchingslipwillbeissued,andthepayeecanwithdrawthemoneyfromthecashier.Atthesametime,paymentismadefromtheaccountofthedrawer,andthecheckissenttothecashierforpaymentasadebitvoucher.Theentryis:
(debet)××subjectdraweraccount
(úvěr) hotovost
Postupy zpracování pro křížové kontroly
Thehandlingproceduresforthekřížový šek(attachment16)bytheholderandtheissuingbank’saccountshallbehandledinaccordancewiththeproceduresin1.
Postupy zpracování běžných šeků
Ifthedrawer'saccountopeningbankreceivesthepayeewithordinarycheques(attachmentsixteen)towithdrawcash,followtheproceduresin2.
Forthetransferofordinarychecks,pleasefollowtheproceduresin1.
Rozdíly se směnkami
Podobnosti
1, mají stejnou povahu
(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.
Různé body
(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)Existuje kopie peněžního příkazu, ale neexistuje žádná směnka ani šek.
Společné fráze
šekovou knížku
šekovník
držitel šeku
Bearerchequechequetobearner/bearercheque
Bearercheque/bearerchequechequetoorder
Předběžný šek
Nevypršený šek po datu šeku
certifikovaný šek
vrácený šek
křížový šek
normalcrossLinegeneralcrossing
specialcrossing
bianco šek
stalecheque
normální šekový šek
Šek za 10 000 $, méně 10% sleva
Šek za 10 000 $, méně 10% sleva
Šek za 10 000 $ s 10% slevou, (11 000 yuanů) šek za 10 000 $ plus 10% poplatky
tokašek
k clearacheque
Garantovaná inkasa na certifikát
Tofillupacheque
tocrossacheque
Rozvíjejte cheketomakeoutacheque
todrawacheque/toissueacheque
přečerpání
toendorseacheque
topayacheque/tohonouracheque
todishonouracheque
torefuseacheque
zastavit platbu šeku
předložit k zaplacení
splatný na doručitele
Splatné na objednávku
zastaralé/zastaralé
ProsímeR/D/refertodrawer
Nedostatečný vkladN/S/NSF/nedostatečné prostředky/I/F/nedostatečné prostředky
Slova a postavy se liší
Čas výměny kontroly uběhl účet uzavřen
Thechangeshouldbestampedwiththesealalterationsrequireinitials
účinky nejsou vymazány
platby zastaveny
chequemutilated
Právní prohlášení
ChinaTherelevantlegalprovisionsonchecksintheNegotiableInstrumentsLawareasfollows:
Article82ChecksareissuedbythedrawerandareentrustedThebankorotherfinancialinstitutionthathandlesthecheckdepositbusinessunconditionallypaysacertainamounttothepayeeorthenoteholderwhenthenoteisseen.
Article83Toopenacheckingdepositaccount,theapplicantmustusehisorherrealnameandsubmitalegalcertificatetoprovehisidentity.
Toopenacheckdepositaccountandreceivechecks,youshouldhaveareliablecreditanddepositacertainamountoffunds.
Toopenacheckingdepositaccount,theapplicantshouldreservethesignatureandsealofhisrealname.
Article84Chequescanbewithdrawnincashortransferred.Whenusedfortransfer,itshouldbeindicatedonthefrontofthecheck.
Ifacheckisspecificallyusedforcashwithdrawal,acashcheckcanbemadeseparately,andacashcheckcanonlybeusedforcashwithdrawal.
Ifthecheckisspecificallyusedfortransfer,youcanmakeaseparatetransfercheck.Thetransfercheckcanonlybeusedfortransfer,andnocashcanbewithdrawn.
Šeky podle článku 85 musí zaznamenat následující položky:
(1)Uveďte slova "kontrola";
(2)Pověření nepodmíněné platby;
(3)určené množství;
(4) jméno plátce;
(5) Datum vydání;
(6)Podpis a pečeť zásuvky;
(7)The12-digitbankinginstitutioncodemustberecordedinthelowerrightcornerofthecheckinadifferentplace,and6inthesamecity.
Ifoneoftheitemsspecifiedintheprecedingparagraphisnotrecordedonthecheck,thecheckisinvalid.
Article86Theamountonthecheckcanbeaddedupontheauthorizationofthedrawer.Thecheckbeforeithasnotbeenaddedshallnotbeused.
Article87Ifthepayee'snameisnotrecordedonthecheck,itmaybeaddedwiththeauthorizationofthedrawer.
Iftheplaceofpaymentisnotrecordedonthecheck,thebusinessplaceofthepayershallbetheplaceofpayment.
Iftheplaceofissueisnotrecordedonthecheck,thebusinessplace,residenceorhabitualresidenceofthedrawershallbetheplaceofissue.
Výsuvník se může zaznamenat jako výplatu na šek.
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.