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1、 bill of exchangePromissory note chequecharacters effectsunconditionalparties payeepayeepayeedrawerpayerthe payingbankthe bankscustomer drawerThe certificate signifies that the holder can acquire a certain sum of money from the drawer or the specified payer at a certain time The methods of payment,

2、negotiation and financingAn unconditional order prepared by one party and addresses to another directing the latter to pay to the third partyAn unconditional promise made by one person to another and the maker engages to pay to the latter An unconditional order draw on a bank by the customer of the

3、bank, requiring the bank to pay to the third party or drawer himselfbill of exchangepromissory notechequethe party primarily liable before acceptance:after acceptance:drawer drawer (banks customer)creditorThe holder（payee、endorsee）Drawers liabilityengages to acceptance and paymentthe drawer is liable for payment himselfGuarantee the payment of the payerHolders rightsacquire payment and recourseBill of exchangePromissory notechequetimeSight draft and time draftS

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