In modern economic relations calculations checks occupy an important place in our lives and activities of the various companies.They are used in transactions of sale of goods and materials, in matters of payment business needs of the organization.The general form of a check - this is a special security.Through her bank must pay a specified sum of its holder.Therefore, the calculations assume that the following checks of such transactions:
- drawer (either physical or legal entity holding in the bank funds on account);
- directly to the bank make payments;
- holder of a check (a person who makes a bank check to pay).
is mandatory in such security is necessary to specify the name of "check", the amount for payment, the payer's name and bank account from which to make payment.Significantly more and the currency, and be sure to place the date of the document.It will take more and signature of the owner.In the absence of any details above, it is deprived of its security forces.If the check does not contain the place of its execution, it is believed that it is signed on the location of the drawer.
payer is required to pay the check, subject to submission and within the terms.The bank must verify the authenticity of the paper and that the person instituting it, is an authorized person.Calculations of checks and how they are regulated the use of Art.877-885 of the Civil Code and other relevant laws and banking regulations.The guarantee of payment can be Aval, which is given to any person, not only by the payer.The check must specify by whom and for whom it was issued.To do this, do the words "as aval".
There are different types of calculations checks:
- intended for payment (withdrawal) of cash from the account of the drawer (check book is issued at the time of opening an account);
- checks by means of which there is a realization of cashless payments.
In the first case, the securities are used for withdrawals for the purpose of payment of wages or travel expenses and other needs of the organization, etc.Payments by check may also be used for business transactions between partner organizations, with the help of non-cash payment.Then the bank deposits the necessary funds on the river / from the payer.At the time of the business transaction, the payer organization sends a check made out to the supplier.In turn, the vendor-holder of a check within ten days must submit to a security to the bank deposit money in his account.The bank first vendor lists the necessary amount, and only then sends the necessary documents to the bank of the acquiree to write off the required amount from the account of the buyer directly.Further funds are debited by the bank customers with an appropriate account.Finally, the buyer's bank transfers the funds to the bank provider.
As a means of non-cash payments are used as payment orders (payments for collection), which are operations aimed at getting the bank (by order and, of course, at the expense of the client) payment from the payer.They can be carried out without approval (consent) or so.
must say that today is largely the demand for another kind of checks.This so-called bank checks (or road).They are a convenient means of payment when traveling abroad (since they can be exchanged without problems in the currency of the country concerned, there are no restrictions on their exports) and a reliable storage option of its funds.
