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我公司为了保证资金安全,在开办内部银行的同时,实行了一种“保付单”办法(格式附后)。为了证实“保付单”的可行性,我们曾随同有关人员走访了几个单位。其反映是:(1)有的单位(机电公司、医院、招待所)认为这种方式可取,既可避免填开空白支票,减少遗失、被盗、被骗、冒领等损失,也可减少预收、退款,简化财务手续,愿意接受。(2)有的单位认为此种“保付单”无国家银行盖章担保,不生效力,不愿接受。(3)少数采购人员认为使用“保付单”没有空白支票方便,不愿使用。我们认为,采用“保付单”,主要是为了取代空白支票,保证资金安全,从根本上防止因丢失支票而造成经济损失,是一种有效的改革措施。它的推广使用,并不妨碍国家银行现行的结算方式。凡能按支票、托收承付、汇款、委收委付,以及商业承兑汇票,银行承包汇票等正常结算的购销结算和费用结算,仍按国家银行结算办法执行。
My company in order to ensure the safety of funds, in the opening of internal banks at the same time, the implementation of a “pay orders” approach (format attached). In order to confirm the feasibility of the “insurance policy”, we visited several units along with the relevant officers. The reflection is: (1) Some units (mechanical and electrical companies, hospitals and guest houses) think this method is desirable, which can avoid blank check, reduce losses such as loss, theft, cheat and counterfeiting, but also reduce the pre-paid Refunds, simplified financial procedures, willing to accept. (2) Some units think that this “insurance policy” without the state bank seal guarantee, not effective, unwilling to accept. (3) few purchasers think the use of “insurance policy” no blank check convenient, unwilling to use. In our view, the adoption of “insurance policy” is mainly to replace blank checks, ensure the safety of funds, and fundamentally prevent economic loss caused by the loss of checks. Therefore, it is an effective reform measure. Its promotion and use does not prevent the current settlement method of National Bank. Where by the check, collection commitments, remittances, commissioned to pay, as well as commercial acceptance bills, bank bills of exchange settlement and other normal settlement of the purchase and sale settlement and cost settlement, according to the National Bank settlement method is still implemented.