A cheque is a bank or other financial institution entrusted by the issuer to entrust a deposit business. When the ticket is paid, it is unconditionally to pay the fixed amount to the payee or the holder.

Cash cheques can only be used to withdraw cash, which can be issued by depositors for cash withdrawals from banks or for other units and individuals to settle accounts or to entrust banks to pay cash to the payee. Transfer checks can only be used for pfer, which is applicable to depositors pfer funds to the receivables within the same city to deal with commodity pactions, labor supply, repayment of debts and other cash payments; ordinary checks can be used to withdraw cash or to pfer funds.

But the two parallel lines in the upper left corner of the ordinary check are crossed cheque, which can only be used for pfer and can not withdraw cash.

The characteristics of cheque settlement are summed up simply and simply.

The so-called "simple" means that it is simple to use checks to settle accounts. As long as the payers have enough deposits in the bank, they can issue cheque to the payee. The bank can handle the pfer of the money or the cash payment by cheque.

Flexibility means that a check can be issued by the payer to the payee in accordance with the regulations, and it can be handled directly by the drawee, or the bank can voluntarily pay the payee to the payee. In addition, the pfer check can also be endorsed in the designated city.

The so-called "quick" refers to the use of a check to settle accounts. The payee pfers the cheque and the receipts to the bank, which is usually placed on the same day or the next day, while cash checks are used to get cash.

The so-called "reliable" means that banks are strictly prohibited from issuing short positions.