国际结算双语-总复习资料(附流程图)

票据：Credit instruments=a written/printed paper against which to pay,including Financial Instruments，Securities，Commercial documents.

Features of instruments

1.无因性（Non-causative nature）

2.要式性（Requisite in form）

3.流通性（Negotiability）

4.提示性（Presentment）

5.返还性（Returnability）

6.设权性（Establishment of rights and responsibilities）

Functions(票据的功能)

As a means of payment;付款方式As a credit instrument;信用票据

As a means of finance.金融工具As a transferable instrument;可转让的票据

Credit Instruments for four四种常用于国际结算的信用票据:

Negotiable instrument可转让的票据

Negotiable instrument,also known as credit instrument,is an unconditional order or promise to pay a certain amount of money.It can easily be transferable.

Bill of Exchange汇票

A bill of exchange is defined officially as an unconditional order in writing,addressed by one person to another,signed by the first person,requiring the second person to whom it is addressed to pay on demand,or at a fixed or determinable future time,a certain amount of money,to,or to the order of,a specified person or to the bearer.

无条件的书面命令汇票是由一个人(drawer)向另一个人(drawee)签发的，要求受票人见票时或在未来某一规定的或可以确定的时间(tenor)将一定金额的款项支付给某一特定的人或其指定人，或持票人(payee)。

Essentials of a bill of exchange绝对必要事项：

Such words as“bill of exchange”exchange;draft or so书面写有汇票字样

An unconditional order in writing无条件的支付命令

name and address of the drawee(addressee payer)付款人名字和地址

signature or stamp of the drawer出票人的签名和盖章

date of the issue开立的日期

About some dollars确定的金额

name or business entity of the payee收款人的名字或商务实体

Acts of a bill of exchange汇票的票据行为

1.Issue/draw（出票）

1、draw and sign a draft出票人写汇票并且签字

2、deliver it to the payee出票人将汇票交付给收款人

2.Endorsement（背书）

When the holder of a draft wants to transfer or pass its title to another person,he should sign on the back of the draft and deliver it to the endorsee.It’s an act of negotiation.

（1）背书人不再是票据的持票人，需向其后手承担担保承兑和付款的责任。

（2）被背书人成为持票人，享有票据权利

Endorser Endorser Endorser

A B C D…..

Endorsee Endorsee Endorsee

(1)Special endorsement

Pay to the order of https://www.360docs.net/doc/9e3402207.html,MB only https://www.360docs.net/doc/9e3402207.html,MB can endorse it

For Dafeng Company,Tianjin

WILSON LELY

(2)Blank endorsement=bearer bill,can be transferred without endorsement

The person who is transferred can transfer it without endorsement or with endorsement,special or blank at his option.

(3)Restrictive endorsement

Pay to https://www.360docs.net/doc/9e3402207.html,MB ONLY Only https://www.360docs.net/doc/9e3402207.html,MB can have the payments and the draft can not be transferred For Dafeng Company,Tianjin

WILSON LELY

(4)Conditional endorsement

Pay to https://www.360docs.net/doc/9e3402207.html,MB

Upon his delivery of warehouse receipt100cases of corn

For Dafeng Company,Tianjin

WILSON LELY

Although draft is drawn unconditional,it can be conditional when being endorsed

(5)Endorsement for collection

For collection pay to Bank of China,Tianjin Branch

For Dafeng Company,Tianjin

WILSON LELY

Pay to the order of B Bank for collection only Prior endorsement guaranteed

For Dafeng Company,Tianjin

WILSON LELY

Collection/deposit…means that the money does not belong to the bank

Pay to the order of B Bank by procuration以代理人身份

For Dafeng Company,Tianjin

WILSON LELY

3.Presentation（提示）

Present for acceptance提示承兑我国见票给付1个月期限

Present for payment提示付款日内瓦规定到期日前后两个营业日

4.Acceptance（承兑）

Acceptance of a draft is a signification by the drawee of his assent to the order given by the drawer.He engages,by signing his name across the face of the bill that he will pay when it falls due（到期）.

5.Payment（付款）债务人完成债券的偿还

6.Dishonor（拒付或退票）

Act of dishonor is a failure or refusal to make acceptance on or payment of a draft when presented.拒绝承兑；拒绝付款；避而不见；死亡；破产，被责令

7.Recourse（追索）

object to recourse:drawer,endorser,acceptor,other debtor order:in order or not in order; normally directly to the drawer持有合格的票据；持票人尽责（提示）；发生拒付

8.Guarantee（保证）

guarantor：a third party保证人是第三方

warrantee：drawer,acceptor,endorser被保证人是出票人，承兑人，背书人

Sum in money recoursed:追索需要的费包括21.Par amount(interest included);

2.Lost interest;

3.Charges result from notice of

dishonor and protest

Promissory Note本票

A promissory note is an unconditional promise in writing made by one person(the maker)to another(the payee or the holder),signed by the maker engaging to pay on demand,or at a fixed or determinable future time,a sum certain in money to or to the order of a specified person or to bearer.出票人签发的，承诺自己在见票时无条件支付确定金额给收款人或者持票人的票据。我国的票据法中实际只规定了即期银行本票。

Categories of a promissory note本票的种类

Banker’s notes and trader’s notes(银行本票和商业本票an enterprise or a person)

Special notes(记名本票)and note payable to order(指示性本票)

Sight notes and time notes(即期本票和远期本票)

Banker’s notes are all sight notes.

Three kinds of time notes:on the20th June2008;At90days after date;At90days after sight我国票据制度中的本票，必须是“记名式银行即期本票”

Check支票

A check is an unconditional order in writing addressed by the customer to a bank signed by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer.支票(Cheque or Check)是以银行为付款人的即期汇票。Categories of a check支票的种类

Check payable to order(记名支票)

eg.Pay to A Co.only;Pay to A Co.or order.取款时须由收款人签章，方可支取。

Check payable to bearer(不记名支票)

It can be payable without the signature of the bearer and it can be transferred by delivery.

支票上不记载收款人姓名无须在支票背后签章，只写“付来人”，此项支票仅凭交付而转让。

Crossed cheque(划线支票)

A crossing is in effect an instruction to the paying bank from the drawer or holder to pay the fund to a bank only.

普通划线是在平行线中不注明收款银行名称的支票，收款人可以通过任何一家银行代收票款入账。

Chapter5：International Bank Remittance(国际银行汇兑)银行间转换货币清偿债务。

Remittance refers to the transfer of funds from one party to another among different countries through banks.汇款，也称汇付。它是指银行或其他金融机构（汇出行Remitting Bank）应汇款人（付款人Remitter）的要求，通过一定的方式将一定的金额交给其国外的代理机构（汇入行Paying Bank），并由汇入行将款项解付给收款人（Payee or Beneficiary）的一种结算方式。