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  • Cheque

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    Kun Ho
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    One of the instruments of payment traffic is a check, which represents a means of cashless payment. It has an important role in the economy of the state and wider, because its use reduces the volume of money in circulation so that business transactions can be realized with a relatively smaller issuance of banknotes. "A check represents a security that gives the issuer (drawer) an unconditional order to the bank (drawee) to pay the beneficiary of the check (payee), upon presentation, the monetary amount entered on the check from the coverage that the drawer has with the drawee (bank)." The process of issuing a check involves writing the date, payee name, amount in numbers and words, optional memo

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    One of the instruments of payment traffic is a check, which represents a means of cashless payment. It has an important role in the economy of the state and wider, because its use reduces the volume of money in circulation so that business transactions can be realized with a relatively smaller issuance of banknotes. "A check represents a security that gives the issuer (drawer) an unconditional order to the bank (drawee) to pay the beneficiary of the check (payee), upon presentation, the monetary amount entered on the check from the coverage that the drawer has with the drawee (bank)." The process of issuing a check involves writing the date, payee name, amount in numbers and words, optional memo

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    35 views1 page

    Cheque

    Uploaded by

    Kun Ho
    One of the instruments of payment traffic is a check, which represents a means of cashless payment. It has an important role in the economy of the state and wider, because its use reduces the volume of money in circulation so that business transactions can be realized with a relatively smaller issuance of banknotes. "A check represents a security that gives the issuer (drawer) an unconditional order to the bank (drawee) to pay the beneficiary of the check (payee), upon presentation, the monetary amount entered on the check from the coverage that the drawer has with the drawee (bank)." The process of issuing a check involves writing the date, payee name, amount in numbers and words, optional memo

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    of 1

    EK Jedan od instrumenata platnog prometa je ek, koji predstavlja sredstvo bezgotovinskog plaanja.

    On ima vanu ulogu u ekonomiji drave i ire, jer se njegovom upotrebom umanjuje obim novca u opticaju pa se sa relativno manjom emisijom novanica mogu realizovati poslovne transakcije. ek predstavlja hartiju od vrijednosti kojom izdavalac (trasant) daje bezuslovan nalog banci (trasatu) da korisniku eka (remitentu) isplati, po vienju, novanu svotu upisanu na eku iz pokria koje trasant ima kod trasata (banke).1 Postupak izdavanja eka:

    Slika 1

    U polju date piemo datum izdavanja eka, a zatim u polju pay to the order of piemo ime korisnika eka (remitenta). U kvadratiu emo napisati brojevima iznos koji elimo platiti remitentu, a ispod njega emo slovima napisati iznos koji smo napisali brojevima. Razlog tome jeste da bi izbjegli zloupotrebljavanje eka, na primjer dodavanjem vie brojeva. Na polju memo moemo ukratko napisati razlog izdavanja eka. Na preostalom polju koji se nalazi na desnom donjem uglu treba da se unese potpis izdavaoca eka (trasanta). Bitni elementi eka: 3 a) b) c) d) e) Oznaka u samom tekstu isprave da je ek Bezuslovan uput da se plati odreena suma novca iz trasantovog pokria Ime lica koje treba da se plati Mjesto i datum izdanja Potpis izdavaoca (trasant)

    Poslovno pravo : ugovori, vrijednosni papiri i pravo konkurencije, Trifkovi, Milo; Simi, Mili; Trivun, Veljko (Ekonomski fakultet u Sarajevu, 2004)
    2 3

    http://banking.about.com/od/checkingaccounts/ig/How-to-Write-a-Check/1write_a_check_step2.htm

    Poslovno pravo : ugovori, vrijednosni papiri i pravo konkurencije, Trifkovi, Milo; Simi, Mili; Trivun, Veljko (Ekonomski fakultet u Sarajevu, 2004)

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