Un fufuzani palibe dipositi
Article L. 131-31 ya Monetary and Financial Code ikuti "sanali kulemba” mawu aliwonse omwe amatsutsana ndi malipiro a fufuzani. Komanso mawu akuti "osati cashable” ananyamula chikalata chophatikizidwa kapena ngakhale pa fufuzani sichikugwira ntchito ndipo fufuzani akhoza kuikidwa ndi cashed.
Komanso, cheke chosasinthika ndi chiyani? Sizingapatsidwe kwa munthu wina (it Est Dit zosavomerezeka, kupatula phindu la banki). Kutolera fufuzani, muyenera kusaina kumbuyo ndikukapereka kubanki. M'pofunikanso que Le akaunti ya wopereka fufuzani kuperekedwa mokwanira kuposa cheke kukhala cashed.
Kodi nthawi yomaliza yopereka cheke yomwe sinalipire ndi yotani? Pamene a fufuzani zimaperekedwa ndipo sizingagulitsidwe kutsanulira zifukwa de kupereka, wonyamulayo ali nako de zodandaula zingapo kutengera ngati ulaliki anapangidwa mu zindikirani malamulo de 8 masiku kapena ayi.
N'chifukwa chiyani mumapereka cheke? ndi cheke chifukwa chake amangopangidwira wopindula ndipo sangathe kuperekedwa kwa munthu wina. Mosiyana ndi fufuzani sanali Ndodo, Le cheke sichilipidwa ndi ndalama ku banki yomwe yatulutsa fufuzani zomwe zimapangitsa kusiyana kwakukulu pakati pa cheke neri Le fufuzani sanali Ndodo.
Kotero, ndi mitundu yanji ya cheke? Zosiyana mitundu yamacheke
- Les macheke anawoloka pasadakhale.
- Les macheke osati kuwoloka.
- Les macheke banki.
- Les macheke wotsimikizika.
- Les macheke wapaulendo kapena wapaulendo fufuzani .
Kodi ndingapeze bwanji cheke chosasinthika popanda akaunti?
Yankhani mfundo yachopereka de macheke
Chodziwika kwambiri m'maiko ngati Canada ndi United States, njira iyi imagwira ntchito povomereza a fufuzani chifukwa cha utumiki wachopereka. Kuti mutha kusankha fomula iyi, yanu fufuzani ziyenera kukhala chovomerezeka, ndiko kuti, sichiyenera kuwoloka.
Kodi pali kusiyana kotani pakati pa cheke cha wosunga ndalama ndi cheke wamba? Ubwino wa a cheke cha banki ndi kutsimikizira kwa wopindula a fufuzani kuti adzalipidwa, zomwe siziteroEst si nkhani ya a fufuzani classic, yomwe ingabwere kuchokera ku akaunti banki pomwe patsala ndalama zochepa kuposa kuchuluka kwa fufuzani. Kenako timalankhula fufuzani popanda zoperekedwa.
Chimachitika ndi chiyani cheke ikakanizidwa? Kukana kwa a fufuzani ndi banki yanu chifukwa chosowa ndalama zokwanira ndizochitika zolipira. Muyenera kulipira ndalama. Mutha kuwongolera zomwe zikuchitika posachedwa que banki yanu imakudziwitsani za zomwe zachitika.
Kodi pali kusiyana kotani pakati pa cheke chopingasa ndi chosadutsa?
Le fufuzani banki yodziwika kwambiri Est mwachiwonekere cheke, zomwe, mosiyana cheke chosadutsa : ayi zovomerezeka, kupatula phindu la banki (sizingathe kuperekedwa kwa munthu wina mwa kuvomereza); Est mfulu; zikuphatikizapo mizere iwiri oblique kuwoloka kuchuluka ndi dongosolo la fufuzani.
Kodi cheke ndi chiyani? ndi cheke ndi cholembera chomwe munthu yemwe ali ndi akaunti (drawer) amapereka lamulo ku banki yake kapena bungwe lake lazachuma (drawee) kuti alipire akuwona, kaya phindu lake kapena phindu la munthu wachitatu (wopindula), ndalama zokhazikika ( provision) kuti achotsedwe nthawi yomweyo ku akaunti yake.
Kodi cheke chophatikizika chimawoneka bwanji?
Wolokani cheke, ndikujambula mizere iwiri yofananira pamenepo kuti ingoperekedwa kudzera kubanki kapena mabungwe angongole. Mipiringidzo yofananira imayikidwa kutsogolo, osati kumbuyo.
Kodi cheke ndi chiyani? ndi cheke ndi cholembera chomwe munthu yemwe ali ndi akaunti (drawer) amapereka lamulo ku banki yake kapena bungwe lake lazachuma (drawee) kuti alipire akuwona, kaya phindu lake kapena phindu la munthu wachitatu (wopindula), ndalama zokhazikika ( provision) kuti achotsedwe nthawi yomweyo ku akaunti yake.
cheke chanthawi zonse ndi chiyani?
Le fufuzani cha malipiro wamba ndi omwe amagwiritsidwa ntchito kwambiri ku French. … Amatchedwanso fufuzani kuwoloka, kumafanana ndi a fufuzani zosavomerezeka, izoEst-kunena kuposa cheke sichingabwezedwe quku banki osati mwachindunji kwa wopindula. Mfundo imeneyi cheke ndiyeziyenera kuvomerezedwa musanalipidwe.
Momwe mungapezere cheke popanda akaunti yakubanki?
Ce fufuzani sichikufuna kuti mukhale ndi a Akaunti ya kubanki kuti athendalama mkati. Mulimonsemo, muyenera kupita ku tsamba lovomerezeka banki wopereka wa fufuzani. Ndalamazo zidzaperekedwa kwa inu ndi ndalama, mwachindunji pa kauntala.
Momwe mungapezere cheke mwachangu ku Banki ya Posta? Momwe mungagulitsire cheke ?
- kukayisiya ku ofesi positi okonzeka ndi automaton. Silipi yotumiza ndalama ya macheke sikofunikira.
- kukayisiya ku ofesi positi wokhala ndi urn. Ndimamaliza silip yanga yotumizira macheke :
Kodi ndimatumiza bwanji ndalama kwa munthu amene alibe akaunti yakubanki? Ngati mulibe palibe akaunti kukhazikitsidwa banki kuti mugwirizane, sankhani positi. Okonzeka ndiargent ndalama, muyenera kulemba fomu yofunika mwachangu yolandirira ndalama. Kusinthanitsa, mudzapatsidwa chizindikiritso chachinsinsi, chomwe muyenera kulumikizana ndi omwe adzalandire.
Ndi liti pamene mungapereke cheke chakubanki?
Nthawi zambiri, zimatenga maola 24 mpaka 48 chikalata cholipira chisanachitike. ndi Cheke ku banki ndizovomerezeka kwa chaka chimodzi ndi masiku 8 kuyambira tsiku lotulutsidwa. Panthawi imeneyi, wogulitsa akhozandalama mkati ku bungwe banki mwa kusankha kwake, monga a fufuzani zachikale.
Kodi cheke yaku banki imakhala nthawi yayitali bwanji? Zosonkhanitsa. The Kutalika de kutsimikizika kwa cheke ndi Chaka 1 ndi masiku 8. Kupitilira nthawi iyi, wopindula sangathenso kubweza ku akaunti yake yakubanki. Kuti athe kutolera ndalama zonse fufuzani, wopindula ayenera kuvomereza,Esti.e. isayine kumbuyo, ndikupatsa a banki tsiku lomaliza lisanafike.
Kodi cheke ku banki imagwira ntchito bwanji?
Le Cheke ku banki Est wo- fufuzani kupangidwa, pa pempho la kasitomala, ndi banki amene adzakhala atachotsapo kale ndalama zofananira ku akaunti ya kasitomala: malipiro ake amatsimikiziridwa. Mutha kupempha kuti mulipidwe ndi Cheke ku banki zolipira ndalama zambiri (galimoto mwachitsanzo).
Kodi macheke amitundu yosiyanasiyana ndi ati? Fufuzani zotsimikizika, zosindikizidwa, zosindikizidwa… the mitundu yosiyanasiyana ya cheke. Wobanki atha kupereka a fufuzani wotsimikizika. Fufuzani zolunjika:fufuzani zomwe zimatsimikizira kukhalapo kwa chigamulo pa tsiku la visa koma sizikutsimikizira kutsekedwa kwa makonzedwewo kuti apindule ndi wopindula.
Kodi macheke amitundu yosiyanasiyana ndi ati?
Les mitundu yosiyanasiyana ya macheke
- Les macheke anawoloka pasadakhale.
- Les macheke osati kuwoloka.
- Les macheke banki.
- Les macheke wotsimikizika.
- Les macheke wapaulendo kapena wapaulendo fufuzani .
Ubwino wa cheke ndi wotani? Ubwino wake ndi wotani malipiro ndi fufuzani ?
- Zimalola kutsata kosavuta kwa zochitika.
- Zimapangitsa kuti muchedwetse malipiro.
- Imapewa kunyamula ndalama.
- Ndalama zomwe muyenera kulipira fufuzani sichimatsekeredwa
- Malipiro ndi fufuzani amavomerezedwa m'masitolo ambiri.
- Ndi zaulere.
Ndani anatulukira macheke?
Kulengedwa kwa fufuzani ku France. Pofika m'chaka cha 1742, mabanki a ku England adayambitsa fufuzani : sangathenso kutulutsa ndalama za banknotes chifukwa Bank of England ndiyomwe imayang'anira nkhaniyo ndipo imapanga njira zatsopano zolipirira.