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| 正面描述 | Pink and white detachable cheque with guilloche underprint throughout. The denomination numeral '5' appears at upper right within a lathe-work panel, accompanied by the Vnesheconombank monogram and series letter below. Text block at centre carries the payment obligation in Cyrillic, with two manuscript signatures above the serial number. |
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| 正面铭文 | Отрезной чек Банка внешнеэкономической деятельности СССР (выпуск 1989 года) По этому чеку Внешэкономбанк СССР выплатит ПЯТЬ рублей. БАНК ВНЕШНЕЭКОНОМИЧЕСКОЙ ДЕЯТЕЛЬНОСТИ СССР 5 рублей Серия Д Чек предназначен для расчетов в магазинах в/о «Внешпосылторг». Передача чека в собственность другим лицам запрещена. |
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Vnesheconombank's Foreign Exchange Certificates — known informally as "checks" or "сертификаты" — were introduced to capture hard currency flowing into the Soviet Union from abroad while preventing it from circulating freely. The 1989 series was among the last issued before the system's collapse; by 1991, with the USSR disintegrating, these instruments became effectively worthless for their intended purpose, though they briefly traded on informal markets at sharp discounts.
Distinct from the better-known Vneshtorgbank "березка" checks of earlier decades, the Vnesheconombank certificates represented a late-stage attempt to modernize hard currency management. The 1989 issue was never redeemable at face value in any practical sense after the Soviet banking system restructured.