Solution: When calculating the division operation, we try to choose that both the dividend and the divisor are integers. If there is a decimal between the dividend and the divisor, it can be converted into an integer for calculation. In the concrete calculation, we should start from the higher order of the dividend, remove the divisor in turn, get the quotient, keep the remainder, and then proceed to the next calculation. If it is an infinite cycle decimal, it can be calculated to several decimal places as needed.

The detailed calculation process is as follows.

Step 1: 12÷ 16=0, and the rest 12.

Step 2: 120÷ 16=7, and the balance is 8.

Step 3: 80÷ 16=5

So it can be calculated by vertical division to 12÷ 16=0.75.

Check calculation: problem-solving idea: when calculating vertical multiplication, multiply the first digit of one digit by another digit to get a one-step answer. Then use another number to calculate the multiplication from low to high in turn, and get several answers. Finally, add up all the answers and you can get the final answer.

0.75× 16= 12。

Step 1: 6×0.75=4.5

Step 2: 10×0.75=7.5,

Step 3: Accumulate the answers calculated in the above two steps to get 12.

Therefore, it can be checked by the multiplication operation of vertical calculation, and the answer is 12.