money financial institutions (part-vi)
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MONEY
&
FINANCIAL
INSTITUTIONS
(Part-VI)
S. Madushanka
B.Sc (Mgt) Accounting (Special) (U.G)
University of of Sri Jayewardenepura
fplam;a
cx.u .sKqï ysñhl= ^wKlre& úiska tys i|yka uqo,
ku i|yka mqoa.,hdg ^wdodhlhdg& fyda /f.k tk
wfhl=g f.jk f,i nexl=jg ^wK,ÿg& lrkq ,nk
,sÅ; ksfhda.h fplam;la f,i ye¢kafõ'
fplam;lg iïnkaO m%Odk md¾Yaj
wKlre ^Drawer& - .sKqï ysñhd
wK,ÿ ^Drawee& - .sKqu mj;ajd f.k hk
jdKsc nexl=j
wdodhlhd ^Payee& - fplamf;ys ku i|yka
mqoa.,hd" fplamf;ys
i|yka uqo, ,eîug
ysñlu ,nkakd
fplam;l uQ,sl ,laIK
1' Èkh
2' nexl=fõ ku yd YdLdfõ ku
3' wdodhlhdf.a ku
4' fyda /f.k tkakdg hk fhÿu
5' fplamf;a jákdlu wl=frka yd b,alfuka
6' f.jkq hk moh
7' wKlref.a w;aik
8' pqïNl wlaIr ye÷kqï ;Srh ^fuys ms<sfj,ska
fplam;a wxlh" nexl=fõ wxlh" YdLdfõ wxlh yd
.sKqï wxlh i|yka fõ&
9' fplamf;a ms<sm;
fplam;a j¾.
m%Odk jYfhka fplam;a j¾. folls'
Odrl fplam;a ^ydrl fplam;a& (Bearer cheques)
fplamf;ys uqøs; j we;s ''fyda /f.k tkakdg'' hk
moh lmd fkd yer we;s fplam;ls' msgika lsÍulska
f;dr j yqÿ Ndr §fuka Odrl fplam; mejßh yels
w;r fndfyda ÿrg uqo,a fkdaÜgqjlska .kqfokq lsÍu
yd
iudk fõ'
úOdk fplam;a (Order cheques)
fyda /f.k tkakdg hk moh lmd yer fyda ta
fjkqjg ''úOdkhg'' hkak ,shd we;s fplam;a fõ'
fujeks fplam;la mejÍfï § msgika lsÍu wjYH fõ'
Odrl fplam;lg jvd úOdk fplam;aj, wdrlaIdj
jeä h'
fplam;la ,sùfï § ie,ls,su;a úh hq;= lreKq
,sùfï § fkd ueflk ;Ska; j¾.hla Ndú;
l< hq;= h'
ms<smf;a wod< úia;r igyka l< hq;= h'
,sùfï § isÿ jk jerÈ ;ks brlska lmd
wKlref.a iïmQ¾K w;aik fhÈh hq;= h'
tl u NdId udOHhla Ndú; l< hq;= h'
wKlref.a w;aik kshudldrfhka fhÈh
hq;= h'
fplam;lg fhdok Èkh yd tys wdrlaIdj
i|yd .kakd ls%hdud¾. ms<sn| j ie,ls,su;a
úh hq;= h'
ysia fplam;lg w;aika fkd fhÈh hq;= h'
fplam;a f¾Lkh ^Crossing the cheques&
fplam;l uqyqK; yryd iudka;r f¾Ld folla we£u
fyda jdKsc nexl=jl kula i|yka lsÍu fplam;a
f¾Lkh lsÍu f,i y÷kajhs'
fplam;lg iïnkaO ´kE u md¾Yajhlg f¾Lkhla
isÿ l< yels w;r" fhdok ,o f¾Lkhla wj,x.= l<
yelafla fplamf;a wKlreg muKs'
fplam;a f¾Lkfha wjYH;dj
fplam;g wu;r wdrlaIdjla ie,iSu
fplamf;ys i|yka jákdlu tys
wdodhlhdg ,eîu iy;sl lsÍu
nexl= ljqkagrfhka uqo,a ,nd .ekSu
je<elaùu
f¾Lk j¾.
idudkH f¾Lkh
úfYaI f¾Lkh
idudkH f¾Lkh (General crossing)
j.ka;s iys; j fyda rys; j fplamf;a uqyqK; yryd
ir, iudka;r f¾Ld folla we£u idudkH f¾Lkh
f,i ye¢kafõ'
.kqfokq l< fkd yels h
.kqfokq l< fkd yels h
(1) (2) (3) (4)
úfYaI f¾Lkh (Special crossing) ir, iudka;r f¾Ld folla iys; j fyda rys; j
fplam;l uqyqK; yryd jdKsc nexl=jl kula
i|yka lsÍu úfYaI f¾Lkh fõ' fujeks fplam;a"
f¾Lkfha ku i|yka nexl=fõ .sKqul ;ekam;a l<
hq;= h'
(1) (2) (3) (4)
re' 5 000 la olajd muKs ,xld nexl=j - uyr.u
''.kqfokq l< fkd yels h''
fplam;l f¾Lkh ;=< ''.kqfokq l< fkd yels h''
hk moh fh§fuka woyia jkafka fujeks fplam;la
msgika lr mejrsh yels nj;a" tu fplam; mejÍfï
§ mejreïlreg ;snQ whs;shg jvd jeä whs;shla
mejreï,dNshdg ysñ fkd jk nj;a h'
tu ksid fujeks f¾Lkhla fh¥ fplam;la ,nd
.ekSfï § mejreï,dNshd tu fplam;g fmr ;snQ
whs;Ska ms<sn| ie,ls,su;a úh hq;= nj weÕfõ'
''wdodhlhdf.a .sKqug muKhs''
fplam;l f¾Lkh ;=< ''wdodhlhdf.a .sKqug
muKhs'' hk moh fh§fuka woyia jkafka
fplamf;ys ku i|yka wdodhlhdf.a .sKqug ;ekam;a
lsrSfuka muKla uqo,a lr .; yels njhs' fuh
mejÍu iSud flfrk f¾Lkhls'
''re' 5 000 la olajd muKhs''
fplam;l f¾Lkh ;=< ''re' 5 000 la olajd muKhs''
hkqfjka uqo,a iSudjla fh§fuka woyia jkafka
i|yka j we;s uqo,a m%udKhg jvd jeäfhka
fplamf;a jákdlu i|yka fkd úh hq;= njhs'
fplam; msgika lsßu (Endorsement)
fplamf;ys uqyqK; i|yka jk wdldrhg u
wdodhlhd ish ku fplamf;ys msgqmi ,sùu fplam;
msgika lsÍu f,i ye|skafõ' ^fplam; ork ´kE u
wfhl= fplam; mejÍfï § Tyqf.a ku ,súh hq;= h'&
fplam; kS;Hdkql+, j mejrE nj ikd: lsÍu msgik
u.ska isÿ fõ'
msgik fh§u wjYH jk wjia:d
wdodhlhd úiska fplam; nexl=fjys ;ekam;a
lsÍfï §
úOdk fplam;la kï wka wfhl=g mjrk
wjia:dfõ §
f¾Lkh fkd lrk ,o fplam;a nexl=
ljqkagrhg § uqo,a ,nd .ekSfï §
fplam;a w.re ùu (Dishonour of
cheques) f.ùu i|yd nexl=jg bÈßm;a l< fplam;lg uqo,a
f.ùu nexl=j úiska m%;slafIam lsÍu fplam;la w.re
ùu f,i ye¢kafõ'
fplam;la w.re jk wjia:d
.sKqfï m%udKj;a uqo,a fkd ue;s ùu
wKlre úiska f.ùu k;r lr ;sîu
wKlre nqkaj;a ùu
wKlre urKhg m;aùu yd ta nj nexl=jg ±kqï
§ ;sîu
.dksIs ksfhda.hla ,eîu ^Widú ksfhda.hla&
,sÅ; jerÈ
.sKqu jid ;sîu
wNHdi
p;=r nKavdr hk whg re' 10 000 l uqo,la Tn úiska
f.úh hq;= j we;ehs Wml,amkh lrkak' Tnf.a
cx.u .sKqu uyr.u ,xld nexl= YdLdfõ o" p;=r
nKavdrf.a cx.u .sKqu wkqrdOmqr uyck nexl=
YdLdfõ o mj;ajd f.k hhs' by; uqo, wo Èk
fplam;lska f.ùug woyia lrhs' fplam;l
wdlD;shla we| Wmßu wdrlaIdj ie,fik mßÈ wod<
fplam; ,shd olajkak'
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