一廿月二十(〇九九一)年九十七國民藥中
育教 日五初月一十年午庚腦壓
博幼稚園 ( 青衣島長發邨)
招堈蠢朧蝨⋯⋯教簿:中五程溴,有在學檸驗睫
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Commerce (12)
Finance and Ranking t
11. Methods of Payment
2.2 Types of crossing a cheque
A crossing may be either general or special. General crossing:
S.K. LAI
This is where two parallel transverse lines are placed over the ∙Cheque.
'Account payee only or not negotiable' may be inserted between the Lings.
''Account' payee only crossing means that it can be paid only.
into the bank account of the named payee
Not negotiable crossing is a warning to the recipient to ensure that the transferer is tiie real owner of the cheque.
Example: A/c Payee Only.
Special crossing:
A cheque which has been specialy crossed must have the name of
the receiving banker written between the crossing.
This is an extra precaution..
一中五程度,持有認可之幼兒工作訓 練証書優先
Example: Hang Seng Bank Ltd.
2.3 Functions of crossing a cheque.
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The functions of crossing a cheque are:
To provide a protection against fraud and forgery in the event of the cheque falling into the wrong hands
b. To serve a warning to the hanker not to cash across the..
cheque over the counter
2.4 Situations of refusal by bank to pass a cheque for payment
The suggested.examples of situations are as follows :
c. Cheque is stale.
d Drawer has insufficient funds fiothe current.
account
b. Alterations on the cheque are her erunter,
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d. Cheque is post-dated:
e. Cheque has been 'stopped by the awer
2.5::Differences between an opet cheque and a crossed cheque; a stale
cheque and a posted tes cheque
A cheque which is not clos
acreferred to as an open. cheque.
The payee can draw cas the bank on which it is drawn "over the counter.
A crossed, cheque has two parallel diagonal lines drawn across the face of the cheque. It can only be paid into the bank account of the payee /
A stale cheque is one presented for payment more than six months: after the date on cheque.
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A post-dated cheque bears a date later than that on which it was written and cannot be paid by the drawee until that: date:
2.6 Differences between a bank draft and traveller's cheques
Bankers drafts are cheques which a bank draws upon itself. They. are guaranteed by the bank. They are accepted as a means of payment even when dealing with someone for the first time.
The traveller's cheque is a more familiar kind of bank draft. It is a special chaque charged against a bank.
It is purchased by bank-customer for use. abroad to obtain foreign currency.
3. Autopay service
| 4.
The payment service.dh the form of autopay is provided-by-banks - When you have to make regular payments of a varying or fixed amounts, you can instruct your barik to pay automatically thie ̇dmounts'owed on your behalf,
Direct.debit and standing orders are. the two common methods of autopay system...
3.1 Direct debit
It is best used when the size of monthly pr antival payments are varying.
However, the initiative of the transfer of ichey lies with the payee. Moreover, the amount should not be far from a pre- arranged limit for each payment.
An electricity bli or gas bill is some of les example.
3.2.Standing order
It is an instruction to the bank that on a given day each. morth the bank is required to pay a fixed sum of money on a regular basts. In this way, your monthly or annual expenses, such as mortgage" repayments or subscriptions will not bé forgotten and overlooked.
However, the 'transfer of the dize of mayments in terms of time and amounts is, initiated by the payer.
Credit card
As:a. weans of. payment, credit card is now in popular use.. Instant credit of an agreed Jimit is made; available to " the purchaser as required. A card holder can buy goods without paying cash for them. Most credit cards are accepted worldwide in the retail stores..
The : advantages and eisadvantages.of. using a credit card -means-of payment with respect to a customer and a retailer are
·described in duty in the recunt trendst of this topic
15. Debit card eggi
Easy Pay System es form of electronic fund transfer at the point of sale is increasingly polar nong Kong The debit
the Easy Pay System. card is based on the operation Once the retail outlets are stalled electronic tecrinals 'connected to the computer of bank, the email payments are transferred electronically at the point of sale from the personal accounts of sufficient money. to the retailera whenever the goods or services are purchased.
Advantages of Easy Pay System
a. The retail.outlets have feduced chaiice of theft(since. less
cash-holding is ensured.
b. Customers have made direct access to their bank account. This provides stand-by' instant cash for: customers' iirchases.
c. The fraudulent use of credit card is reduced.
6. Cashier Order
A cashier order
a cheque in the bank's name,
be.
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purchased from bank.
It is denominated in Hong Kong dollars and is used for local payaments.
1: brings convenience to those who do not have a cheque book.
17. Bankers' drafts
Bank draft is a cheque draws by bank on behalf ofa cust Its validity is beyond doubt sfree the bany must honour It can be obtained In any foreign currency.
( Payments can he sent to averseas.countries by past.
The following situation justifies: Its use:
Acreditor is not willing to accept personal cheques from debtors. The reasons may due to the facts that the creditor has known nothing about the creditworthiness of debtors or the size. of the amount of payment is quite large.
8. Travellers" cheques
Travellers cheques are one of the commonest and familiar type of bankers drafts. To those customers travelling abroad, their personal cheques are not be acceptable. In this way, they can bay travellers') cheques, which have no expiry date, from bank. They are denominated in any currency..
9. Money orders and postal orders
The Post office in Hong Kong has provided varieties of payment services to those who have no current account in the bank or to those buyers who live far away from the payees. The payments can be made and arranged by payees.
are provided by the Post.jffice:
Three kinds of orders are For local
a. Inland money orders.. For overseas
a. Postal orders, and.
b. Cvarseas money orders.
The differences and similarities of postal orders and money orders are described below:
Differences:
a. Currenty units.
For postal orders, they are issued as coupong. and only in British currency.
For intand money orders, they are issued in Hong Kong dollars.. For overseas money orders, they are,ssued in the currency 'of the specified country..
b. Valid period
- for postal orders, they are valid for six months
For inland money orders; they are valid for six month's.
For overseas, money orders, their validity, depend on the specified country.
c. The issued amounts
For pastal orders, they are from 25p to £20. No commission is charged,
For inland money orders, they are up to $1,000 per coupon, plus $15 commission charges.
file overseas money orders, they can be in any amount depending on the spenfled issued countries.
the crossing
All the money orders and postal arcersican the.ingssed, b. Payee's name
The payee's name should be specified in the orders.
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