Dishonoured cheque (original) (raw)
شيك مردود في الاقتصاد و القانون (بالإنجليزية:rubber check أو Non-sufficient funds) هو شيك بلا رصيد أو صك فاسد لا يقوم المصرف بدفعه إلى حامله حيث ليس له رصيد كاف. ولنأخذ المثال التالي: يتقدم حامل شيك مردود إلى المصرف بغرض استلام مبلغ المال المذكور فيه، ولكن هذا المبلغ يزيد عن رصيد صاحب رقم الحساب بالمصرف، فيعترض المصرف ولا يقوم المصرف بصرف الشيك. ويعبر عن الصك الفاسد بالإنجليزية بالتعبيرات الآتية: bad check أو dishonored check أو bounced check أو rubber check .
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| dbo:abstract | شيك مردود في الاقتصاد و القانون (بالإنجليزية:rubber check أو Non-sufficient funds) هو شيك بلا رصيد أو صك فاسد لا يقوم المصرف بدفعه إلى حامله حيث ليس له رصيد كاف. ولنأخذ المثال التالي: يتقدم حامل شيك مردود إلى المصرف بغرض استلام مبلغ المال المذكور فيه، ولكن هذا المبلغ يزيد عن رصيد صاحب رقم الحساب بالمصرف، فيعترض المصرف ولا يقوم المصرف بصرف الشيك. ويعبر عن الصك الفاسد بالإنجليزية بالتعبيرات الآتية: bad check أو dishonored check أو bounced check أو rubber check . (ar) Dishonoured cheques (also spelled check) are cheques that a bank on which is drawn declines to pay (“honour”). There are a number of reasons why a bank would refuse to honour a cheque, with non-sufficient funds (NSF) being the most common one, indicating that there are insufficient cleared funds in the account on which the cheque was drawn. An NSF check may be referred to as a bad check, dishonored check, bounced check, cold check, rubber check, returned item, or hot check. In England and Wales and Australia, such cheques are typically returned endorsed "Refer to drawer", an instruction to contact the person issuing the cheque for an explanation as to why it was not paid. If there are funds in an account, but insufficient cleared funds, the cheque is normally endorsed “Present again”, by which time the funds should have cleared. When more than one cheque is presented for payment on the same day, and the payment of both would result in the account becoming overdrawn (or below some approved credit limit), the bank has a discretion as to which cheque to pay and which to dishonour. A bank has a general discretion whether or not to honour a cheque that will result in an account becoming overdrawn, but a payment on one occasion does not bind the bank to do so again on another occasion. A bank cannot partially pay on a cheque, so that it must either pay a cheque in full or dishonour it. If a bank declines to pay a cheque, it must promptly return the cheque to the person who deposited it or presented it to be cashed. In general, a bank can only pay out of the account on which it was drawn, and cannot draw on any other account that the customer may have at the bank, unless expressly instructed to the contrary. (en) 부도(不渡, non-sufficient funds, NSF)는 어음이나 수표 등을 보유한 자가 지불 기한이 다다를 때까지 해당 표에 명시된 금액을 지불받지 못하는 것을 의미한다. (ko) 不渡り（ふわたり）とは、手形や小切手において支払期日を過ぎても債務者から債権者へ額面金額が引き渡されず決済できないことを言う。 (ja) 空頭支票（dishonoured check），又稱跳票、彈票（bounced check）、菝仔票（台灣用語，源自日語不渡票，諧音訛化為佛仔票、芭樂票），泛指無法兌現的支票，開票人會被銀行徵收附加費，也會影響信用。 在大部分國家及地區，如果發票人故意發出空頭支票，乃刑事罪行。然而對於開出並行使空頭支票的行為屬於偽造文書、詐欺還是盜竊，各國法律的觀點均有差異。 (zh) |
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| rdfs:comment | شيك مردود في الاقتصاد و القانون (بالإنجليزية:rubber check أو Non-sufficient funds) هو شيك بلا رصيد أو صك فاسد لا يقوم المصرف بدفعه إلى حامله حيث ليس له رصيد كاف. ولنأخذ المثال التالي: يتقدم حامل شيك مردود إلى المصرف بغرض استلام مبلغ المال المذكور فيه، ولكن هذا المبلغ يزيد عن رصيد صاحب رقم الحساب بالمصرف، فيعترض المصرف ولا يقوم المصرف بصرف الشيك. ويعبر عن الصك الفاسد بالإنجليزية بالتعبيرات الآتية: bad check أو dishonored check أو bounced check أو rubber check . (ar) 부도(不渡, non-sufficient funds, NSF)는 어음이나 수표 등을 보유한 자가 지불 기한이 다다를 때까지 해당 표에 명시된 금액을 지불받지 못하는 것을 의미한다. (ko) 不渡り（ふわたり）とは、手形や小切手において支払期日を過ぎても債務者から債権者へ額面金額が引き渡されず決済できないことを言う。 (ja) 空頭支票（dishonoured check），又稱跳票、彈票（bounced check）、菝仔票（台灣用語，源自日語不渡票，諧音訛化為佛仔票、芭樂票），泛指無法兌現的支票，開票人會被銀行徵收附加費，也會影響信用。 在大部分國家及地區，如果發票人故意發出空頭支票，乃刑事罪行。然而對於開出並行使空頭支票的行為屬於偽造文書、詐欺還是盜竊，各國法律的觀點均有差異。 (zh) Dishonoured cheques (also spelled check) are cheques that a bank on which is drawn declines to pay (“honour”). There are a number of reasons why a bank would refuse to honour a cheque, with non-sufficient funds (NSF) being the most common one, indicating that there are insufficient cleared funds in the account on which the cheque was drawn. An NSF check may be referred to as a bad check, dishonored check, bounced check, cold check, rubber check, returned item, or hot check. In England and Wales and Australia, such cheques are typically returned endorsed "Refer to drawer", an instruction to contact the person issuing the cheque for an explanation as to why it was not paid. If there are funds in an account, but insufficient cleared funds, the cheque is normally endorsed “Present again”, by w (en) |
| rdfs:label | شيك مردود (ar) Dishonoured cheque (en) 부도 (경제) (ko) 不渡り (ja) 空頭支票 (zh) |
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