國際結(jié)算方式

1、CH02 Instruments of CH02 Instruments of International SettlementInternational Settlement國際結(jié)算的支付工具國際結(jié)算的支付工具金融教研室金融教研室崔文芳崔文芳金融金融學(xué)院學(xué)院Agenda 2.1 流通票據(jù)概述 2.2 Bill of Exchange匯票 2.3 Promissory Note本票 2.4 Check支票 2.5 Case案例分析The key words Bill of exchange 匯票 promissory note 本票 Cheque 支票 Negotiability 流通性 no

2、n-causative nature無因性 Right to be paid 設(shè)權(quán)性 presentment 提示性 Requisites in form 要式性 return-ability返還性 Drawer 出票人 drawee受票人 payer付款人 Payee收款人 tenor付款期限 issue 出票 In words and in figure 大小寫2.1 Overview of 2.1 Overview of Negotiable InstrumentsNegotiable Instruments流通票據(jù)概述流通票據(jù)概述123The process of talking ab

3、out business between the sellers and the buyers. 談判談判The purchase by a bank of bills of exchange from an exporter in settlement. 議付議付The transfer of a negotiable instrument to another party. 流通轉(zhuǎn)讓流通轉(zhuǎn)讓W(xué)hat is negotiable instrument?流通票據(jù)定義Documents（單據(jù)） are playing more and more important roles in intern

4、ational settlement because payments are made against documents rather than the actual goods.Board meaning of document廣義單據(jù)權(quán)利憑證權(quán)利憑證可以憑借其享受金錢或是貨物的法定占有權(quán)Commercial documentsFinancial documents代表貨物所有權(quán)代表資金的收取權(quán)或是資金支付的責(zé)任Narrow meaning of document:（bill)Promissory noteBill of exchangechequeWhat is negotiable

5、instrument? Understanding negotiable instrument from words meaning Negotiable（流通） 可以憑借交付（delivery)或是背書后交付（delivery with endorsement)來將權(quán)利完全進(jìn)行轉(zhuǎn)讓 Instrument Written legal document（書面的合法文件） Simple definition Written legal document which can be transferred from one person to another by delivery or by del

6、ivery and endorsement（背書） In china, negotiable instrument only refer to bill of exchange, promissory note and check(cheque).What is negotiable instrument?Promissory Note for GBP 800London, 8th Sept., 2003At 60 days after dateWe promise to payBeijing Arts and Crafts Corp. or orderThe sum of Eight hun

7、dred pounds onlyFor Bank of Europe, LondonsignedDrawn under THE HOKKAIDO TAKUSHOKU BANK LTD TOKYOL/C NO. 264-510 Dated 1996 .11.30 payable with interest _%_No. CS96-061 Exchange for Shanghai, China DEC.31,1999 At _Sight of this FIRST of Exchange (Second of Exchange being unpaid)Pay to the order Ours

8、elves the sum of US DOLLARS EIGHT THOUSAND FIVE HUNDRED FORTY NINE ONLYBill of ExchangeUSD8549.00To the name and address of issuing bank the name and signature of the seller. 補充：Chief Features of Negotiable Instruments票據(jù)的特性 Non-causative nature 無因性Negotiability流通性Requisite in Form要式性Presentment提示性Ri

9、ght to be paid 設(shè)權(quán)性Return-ability返還性Non-causative Nature無因性accepting the instruments without investigating or questioning票據(jù)是無因證券，不必追究原因的證券 Once the instrument is issued, rights on the instrument and reasons why instruments are created are separated, independent to each other.（票據(jù)一旦做成，票據(jù)上權(quán)利即與其原因分離，成為獨立

10、的票據(jù)債權(quán)債務(wù)關(guān)系，不受先前原因關(guān)系存在與否的影響。） 持票人不必說明其取得票據(jù)的原因持票人不必說明其取得票據(jù)的原因 Reasons to issue instrument(basic relationship of instrument) Capital relationship 資金關(guān)系 Drawer deposits money in payer(bank) Payer agree to give money to drawer Value relationship 對價關(guān)系 Commodity transaction Funds lending and borrowing Servic

11、e providingExample:A將錢存到將錢存到B銀行處，銀行處，A從從C處購買商品，處購買商品，A隨后出隨后出具了一張票據(jù)給具了一張票據(jù)給C，在票據(jù)上要求，在票據(jù)上要求B付款給付款給C; C 將該票據(jù)轉(zhuǎn)將該票據(jù)轉(zhuǎn)讓給了讓給了D，因為，因為C之前曾經(jīng)向之前曾經(jīng)向D借過一筆錢；借過一筆錢；D將該票據(jù)又由將該票據(jù)又由于與于與E的某些對價關(guān)系轉(zhuǎn)讓給了的某些對價關(guān)系轉(zhuǎn)讓給了E；到期時；到期時E要求要求B進(jìn)行付款進(jìn)行付款；B在與在與A有票據(jù)付款協(xié)議的情況下，不得詢問有票據(jù)付款協(xié)議的情況下，不得詢問E獲得票據(jù)的獲得票據(jù)的原因，并應(yīng)對原因，并應(yīng)對E進(jìn)行付款。進(jìn)行付款。Deposit of A-+CD

12、EBAcapitalrelationshipvaluerelationshipDraw aninstrumentOrder to payPay to ERight to Be Paid設(shè)權(quán)性通過對票據(jù)的操作來設(shè)定由票據(jù)表現(xiàn)的權(quán)利責(zé)任 票據(jù)出具的目的不是為了證明已經(jīng)存在的權(quán)利和責(zé)任，而是為了設(shè)定一些通過票據(jù)來表現(xiàn)的權(quán)利和責(zé)任。Company A(Importer)Company B(exporter)Company C(payer)Machine equipment100,000USDAgree to pay with negotiable instrumentSome special rela

13、tionship100,000USDRequisite in FormRequisite in Form要式性要式性 the form of instruments should keep up with law. Only those accordance with law can be protected.票據(jù)的形式以及各記載事項必須符合法律規(guī)定 要式不要因Usually the following necessary items:The name of a negotiable instrument.Unconditional promise or order to payA fixed

14、 amount of money Names of the drawer, the payee and the draweeThe signature of the drawer, etc.NegotiabilityNegotiability流通性流通性 The full legal title to the instrument can be transferred by delivery with endorsement or only by direct delivery .票據(jù)權(quán)利依背書或直接交付的方式轉(zhuǎn)讓ABCgoodsdebit票據(jù)票據(jù)票據(jù)的債務(wù)人不得以自己與出票人或持票人的前手之

15、間的抗辯事由對抗持票人。（票據(jù)法票據(jù)法第第1313條第條第1 1款）款）張三李四王五趙六周七受脅迫還賭債未履約貿(mào)易要求付款XNegotiabilityNegotiability流通性流通性Presentment 提示性 當(dāng)持票人請求執(zhí)行票據(jù)權(quán)利時，必須要出示票據(jù)給責(zé)任人，并且要在票據(jù)付款到期日來臨后的有限時限內(nèi)。 出示票據(jù)是為了證明其確實具有票據(jù)的正當(dāng)權(quán)利，票據(jù)是書面文件，不是口頭（oral）協(xié)議 一旦票據(jù)提示未在有效期內(nèi)進(jìn)行，那么持票人就會失去票據(jù)票款請求權(quán)和對票據(jù)前手的追索權(quán)。Return-ability 返還性 一旦票據(jù)上的付款人（ payer）完成了全部票款的正當(dāng)支付，那么持票人就必須

16、在票據(jù)正面進(jìn)行簽字并將票據(jù)歸還給付款人。 歸還的票據(jù)是用來證明付款人已經(jīng)付過款項和作為報銷憑證，有的票據(jù)可以開具一式幾聯(lián)的，例如匯票。 自此，該票據(jù)不能再進(jìn)入流通領(lǐng)域流通，該票據(jù)的編號將會被注銷掉（discharge). 19971997年年8 8月，某市月，某市A A公司與新加坡公司與新加坡B B商簽訂了一份進(jìn)口膠合板的合同。合同總金商簽訂了一份進(jìn)口膠合板的合同。合同總金額為額為700700萬美元，萬美元，支付方式為付款交單支付方式為付款交單，允許分批裝運允許分批裝運。第一批價值為第一批價值為6060萬美元的膠合板準(zhǔn)時到貨，質(zhì)量良好，對雙方合作很滿意。就在第二批交貨期來萬美元的膠合板準(zhǔn)時到貨

17、，質(zhì)量良好，對雙方合作很滿意。就在第二批交貨期來臨之際，臨之際，B B商向商向A A公司提出：鑒于貴公司資金周轉(zhuǎn)困難，為了幫助公司提出：鑒于貴公司資金周轉(zhuǎn)困難，為了幫助貴方，我方允許貴公司采取遠(yuǎn)期付款貴方，我方允許貴公司采取遠(yuǎn)期付款。 貴公司作為買方，可以貴公司作為買方，可以給我方開出一張見票后一年付款給我方開出一張見票后一年付款700700萬美元的匯票，請中國人萬美元的匯票，請中國人民建設(shè)銀行某市分行承兌。民建設(shè)銀行某市分行承兌。承兌后，我方保證將承兌后，我方保證將700700萬美元的膠合板在一萬美元的膠合板在一年內(nèi)交貨。貴方全部收貨后，再付給我方年內(nèi)交貨。貴方全部收貨后，再付給我方7007

18、00萬美元的貨款。萬美元的貨款。A A公司以為現(xiàn)在不付款，公司以為現(xiàn)在不付款，只開張遠(yuǎn)期票據(jù)就可得到貨物在國內(nèi)市場銷售，于是欣然接受了只開張遠(yuǎn)期票據(jù)就可得到貨物在國內(nèi)市場銷售，于是欣然接受了B B商的建議，給商的建議，給B B商商簽發(fā)了一張見票后一年付款簽發(fā)了一張見票后一年付款700700萬美元的匯票。但萬美元的匯票。但A A公司始料不及的是，公司始料不及的是，B B商將這張商將這張承兌了的遠(yuǎn)期票據(jù)在新加坡的美國銀行貼現(xiàn)承兌了的遠(yuǎn)期票據(jù)在新加坡的美國銀行貼現(xiàn)600600萬美元。從此卻一張膠合板都不交萬美元。從此卻一張膠合板都不交給給A A公司。事實上，公司。事實上，B B商將這筆巨款騙到手后便

19、無影無蹤了。商將這筆巨款騙到手后便無影無蹤了。一年后，新加坡的美國銀行持這張承兌了的遠(yuǎn)期票據(jù)請建行某市分行一年后，新加坡的美國銀行持這張承兌了的遠(yuǎn)期票據(jù)請建行某市分行付款。付款。盡管盡管B B商沒有交貨，某市分行卻不得以此為理由拒絕向善商沒有交貨，某市分行卻不得以此為理由拒絕向善意持票人美國銀行支付票據(jù)金額。意持票人美國銀行支付票據(jù)金額。最后，由于本案金額巨大，報請最后，由于本案金額巨大，報請國務(wù)院批準(zhǔn)，由建行某市分行付給美國銀行國務(wù)院批準(zhǔn)，由建行某市分行付給美國銀行600600萬美元而結(jié)案。萬美元而結(jié)案。Case 2-1: Case 2-1: 利用承兌匯票詐騙利用承兌匯票詐騙案情介紹：Que

20、stion:Question:Why did the seller require that the bill Why did the seller require that the bill must be accepted?must be accepted?By which feature of the bill did the seller By which feature of the bill did the seller defraud?defraud?If the money can not be found back, who If the money can not be f

21、ound back, who will assume the loss?will assume the loss?案例分析：案例分析： 對于這張遠(yuǎn)期票據(jù)，對于這張遠(yuǎn)期票據(jù)，A A公司為出票人，公司為出票人，B B商為收款商為收款人，建行某市分行為付款人。人，建行某市分行為付款人。A A公司與公司與B B商之間的膠合商之間的膠合板買賣合同是該票據(jù)的原因關(guān)系，使得板買賣合同是該票據(jù)的原因關(guān)系，使得A A公司愿意向公司愿意向B B商開立這張匯票。商開立這張匯票。 A A公司曾經(jīng)向建行某市分行提供了資金，它們之公司曾經(jīng)向建行某市分行提供了資金，它們之間的這種資金關(guān)系使得建行某市分行愿意向間的這種資金關(guān)

22、系使得建行某市分行愿意向A A公司提供公司提供信用，承兌了這張遠(yuǎn)期匯票。信用，承兌了這張遠(yuǎn)期匯票。 美國銀行與美國銀行與B B商之間有對價關(guān)系，美國銀行善意商之間有對價關(guān)系，美國銀行善意地付了地付了600600萬美元的對價而受讓，從而成為這張匯票的萬美元的對價而受讓，從而成為這張匯票的善意持票人。善意持票人。 案例分析：案例分析： 但票據(jù)的最大特點就是，票據(jù)法律關(guān)系一經(jīng)形成，但票據(jù)的最大特點就是，票據(jù)法律關(guān)系一經(jīng)形成，即與基礎(chǔ)關(guān)系相分離。票據(jù)基礎(chǔ)關(guān)系的存在和有效與即與基礎(chǔ)關(guān)系相分離。票據(jù)基礎(chǔ)關(guān)系的存在和有效與否并不對善意持票人的票據(jù)權(quán)利而產(chǎn)生影響。所以，否并不對善意持票人的票據(jù)權(quán)利而產(chǎn)生影響。

23、所以，B B商實際上沒有交貨，或者商實際上沒有交貨，或者A A公司并沒有足夠的美元存在公司并沒有足夠的美元存在建行，都不影響美國銀行對承兌人的付款請求權(quán)。建行，都不影響美國銀行對承兌人的付款請求權(quán)。 對美國銀行來說，這張票據(jù)上并沒有寫膠合板，只對美國銀行來說，這張票據(jù)上并沒有寫膠合板，只有一句話：有一句話：“見票后一年付見票后一年付700700萬美元萬美元”。票據(jù)法律關(guān)。票據(jù)法律關(guān)系應(yīng)依票據(jù)法的規(guī)定加以解決，票據(jù)基礎(chǔ)關(guān)系則應(yīng)以系應(yīng)依票據(jù)法的規(guī)定加以解決，票據(jù)基礎(chǔ)關(guān)系則應(yīng)以民法規(guī)定加以解決。民法規(guī)定加以解決。 B B商正是利用了票據(jù)的無因性才行騙得逞的。商正是利用了票據(jù)的無因性才行騙得逞的。2.

24、2 Bill of Exchange2.2 Bill of Exchange匯票匯票Exchange for US $ 35,000.00 Shanghai, April 2, 2007At 60 days sight, pay to the order the Bank of ChinaThe sum of US Dollars Thirty-five Thousand only.Value received （對價已付）To: The CitibankNew York, U.S.A. For: China National Chemicals Import & Export Corpora

25、tion, S.B. SignatureDefinition of Bill of Exchange A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in mon

26、ey, to, or to the order of, a specified person, or to bearer. In a simple words, a bill of exchange or draft is a three-party instrument that is an unconditional written order by one party that orders the second party to pay money to a third party. 匯票是由出票人向另一人簽發(fā)的要求即期、定期或在可以確定的將來時間向指定人或根據(jù)其指令向來人無條件支付一

27、定金額的書面命令。 An unconditional order in writing I order you to pay me for something I have sold youSellerBuyerorderto pay= in black & white addressed by one party, the drawer to another, the drawee drawerdraweeDefinition of Bill of Exchange signed by the party giving it(drawer)Wenfang, Cui, the manager

28、requiring the party(drawee) to whom it is addressed To: HWT Incorporation to pay on demand or at sightor at a fixed or determinable future time At 60 days (after) sightAt 60-day (after) dateOn November, 1st 2003At 90 days after B/L, etcDefinition of Bill of Exchange a sum certain in money USD52,000U

29、S dollar Fifty Two Thousand only to, or to the order of, a specified person or to the bearer Pay to Dafeng CorporationPay to the order of Dafeng CorporationPay to Dafeng Corporation or orderPay to bearer , when transferred , need not endorsementNameOf payeeSpecifiedPayeeTransferableDefinition of Bil

30、l of Exchange Exchange for US $ 5000.00票據(jù)名稱Shanghai April 2, 2007 出票地點出票日期At 6days (after )sight付款時間pay to無條件支付命令The order the Bank of China收款人the sum of US Dollars Thirty-five thousand only金額To: the CItibank New York, U.S.A.付款人/ 受票人For xxx Compay, Ltd.Wenfang Cui, manager賣方/出票人簽字職務(wù) 1. Essential ite

31、ms 按照日內(nèi)瓦統(tǒng)一匯票、本票法公約規(guī)定，匯票應(yīng)具備的幾個必要項目是： The word “exchange” An unconditional order Name and the signature of the drawer Name and address of the drawee Date and place of issue Name of the payee Tenor Place of payment A fixed amount of moneyThe word “bill of exchange”“exchange ”or “draft” E.g “ Exchange f

32、or US $ 35,000.00” or “Draft for 100 USD” The purpose of indicating this word on a bill of exchange is to distinguish a bill from other kinds of negotiable instrument such as promissory notes or cheques.An unconditional order in writingAn unconditional order in writing Must be in writing, including

33、printed（印刷的） and typewritten（打字機打印的）. Oral expression is invalid. Should be imperative（祈使語氣）, not subjunctive mood（虛擬語氣/請求）. Without any restriction or condition.項目有效表示無效表示無條件支付命令1.Pay to _；(imperative)2.Please pay to _；3.D/P(D/A), Drawn against shipment of 20bales of cotton from Guangzhou to Hong K

34、ong for collection;4. Drawn under L/C No.123 issued by Bank, New York, dated 12, November, 2004；5. Pay to Robert Brown the sum of one hundred pounds and debit our account No.1 with you.1.I will be very pleased/ delighted if you pay to _;2.I beg you to pay to _;請求1.Pay to _ if the goods they supplied

35、 are complied with contract No.123;2.Pay to _ providing the goods arrived at destination before 21, October;3.Pay to _ when the ship Dongfeng reaches the port of New York.4. Pay to _ out of the proceeds in our No. 456 account. 有條件The same would be true if payment was made conditional upon the happen

36、ing of a future uncertain event.如果以某一將來不確定事件的發(fā)生作為付款的先決條件，也同樣使匯票無效。e.g. Pay US$400 to Mary Hawkins 30 days after her marriage to John SmithEven the subsequent happening of the event does not make the bill valid. 即使后來發(fā)生的事件也不能使匯票有效。 Pay to A Company or order the sum of five thousand pounds only. I shou

37、ld be pleased if you pay to the order of B Company the sum of five thousand pounds only. Pay to A Company or order the sum of five thousand pounds only providing the goods supplied in compliance with contract Pay to A Company or order the sum of five thousand pounds from our account No.1 with you. P

38、ay to Robert Brown the sum of one hundred pounds and debit our account No.1 with you. Pay to A Company or order the sum of five thousand pounds only for value received.Drawers signatureDrawers signature Serve as a means of authenticating a bill of exchange Other acceptable signature: In the form of

39、a trade name 貿(mào)易公司的名稱 A corporations seal 公司的圖章 For/On behalf of XX Company authorized signature, job titleThe importance of the date of issue?The importance of the date of issue?1. It can be used to determine the expiry date. for example, the validity period for a sight bill should be “one year from

40、 the date of issue”.2. It can be used to calculate the paying date for example, a bill is payable at 30 days after date.3. It can be used to judge whether the drawer has the lawful ability to issue the bill.Three different ways of writing the payee : Restricted order 限制性抬頭限制性抬頭( 不得轉(zhuǎn)讓他人）不得轉(zhuǎn)讓他人） “pay

41、to Liming only.” “Pay to Liming not transferable.” “Pay to Liming.” plus “Not Transferable” on the face of the bill. Demonstrative order 指示性抬頭（必須依背書而轉(zhuǎn)指示性抬頭（必須依背書而轉(zhuǎn)讓）讓） “Pay to Liming. or order.” “Pay to the order of Liming” “Pay Liming.” There are no words like “Not Transferable” on the face of the

42、bill Payable to bearer 來人抬頭（可以僅依交付或交托來人抬頭（可以僅依交付或交托而轉(zhuǎn)讓，無須背書）而轉(zhuǎn)讓，無須背書） 我國不承認(rèn)此種票據(jù)。我國不承認(rèn)此種票據(jù)。 “Pay bearer.” “Pay A Co. or bearer.” Payable on demand見票即付“ at sight” “ on demand” “on presentation” Payable at a fixed time after sight見票后定期付款 “30 days after sight” “three months after sight”Exchange for USD

43、1 000.00 New York 20 Dec., 2004At sight pay to ourselves or order the sum of US dollars one thousand only. Exchange for USD 1 000.00 New York 20 Dec., 2004At 2 months after sight pay to ourselves or order the sum of US dollars one thousand only. Payable at a fixed time after date出票后定期付款 Payable on a

44、 fixed future time在未來固定日期付款 “60 days after bill of lading date”Exchange for USD 1 000.00 New York 20 Dec., 2004At 20 days after date pay to ourselves or order the sum of US dollars one thousand only. Exchange for USD 1 000.00 New York 20 Dec., 2004At 60 days after bill of lading date pay to ourselve

45、s or order the sum of US dollars one thousand only. 遠(yuǎn)期匯票到期日計算A sum certain in moneyA sum certain in money匯票金額匯票金額 必須是確定無疑的金額. 表達(dá)上不允許使用“about” or “or so”來表示金額. 必須要用大小寫來標(biāo)注（in words and in figure) 必須用貨幣來表示而非某項物品（goods）或服務(wù) E.g. “pay to the order of Mary White the sum of fifty pounds and give her a suit

46、of clothes” is not accepted as bill of exchange.項目有效表示無效表示一定金額貨幣1.Payable at USD three hundred only.2. Payable at USD three hundred plus interest at 5% p.a. (from the date hereof to the date of payment)3.Payable at USD three hundred by three equal consecutive monthly installment. 1.the sum of about

47、one thousand USD.2.the sum of circa（大約） one thousand USD.3.The sum of one thousand USD or two thousand USD.金額無法確定4.Pay to the order of _ the sum of one thousand US dollars plus interest.缺利率和計息時間5. Pay to the order of _ the sum of one thousand US dollars by installments（分期付款）.缺付款次數(shù)和每次付款時間 The amount

48、certain in money must be clearly expressed in both words and figures, and the two amounts must the same. If there is a discrepancy between the sums in words and figures, 1.The sum in words will be used as the amount of the bill.(英國票據(jù)法）2.The bill will be invalid.（中國票據(jù)法）3.The smaller amount will be us

49、ed（大陸法系）案情： A銀行向B銀行開出不可撤銷信用證，受益人交單后B銀行通過快遞將單據(jù)寄交A銀行，A銀行審單后發(fā)現(xiàn)下述不符點，對外拒付。匯票上小寫金額為USD905 000.00，大寫金額為HONG KONG DOLLARS NINE HUNDRED AND FIVE THOUSAND ONLY，金額不一致。 收到A銀行的拒付電后，B銀行認(rèn)為所述不符點僅是打字手誤，非實質(zhì)性不符點。 1930年6月7日日內(nèi)瓦統(tǒng)一匯票本票法公約第二章第一節(jié)第6條規(guī)定：“匯票上以文字表明的金額與以數(shù)字表明的金額不符時，應(yīng)以文字金額為準(zhǔn)。”“匯票金額以文字或數(shù)字記載在一次以上，而先后有不符時，其較小數(shù)額為付款數(shù)額

50、?！?國際匯票和國際本票公約（草案）第二章第二節(jié)第7條（1）款規(guī)定：”票據(jù)上以文字表明的金額與以數(shù)字表明的金額不符時，應(yīng)以文字金額為準(zhǔn)?！?本案例中，匯票票面金額同時以文字及數(shù)字記載，文字金額即大寫金額為HONG KONG DOLLARS NINE HUNDRED AND F I V E T H O U S A N D O N LY ， 數(shù) 字 金 額 即 小 寫 金 額 為USD905,000.00兩者不一致，根據(jù)上述規(guī)定，開證行只能按文字金額即大寫金額照付。分析：啟示： 實際票據(jù)操作業(yè)務(wù)中，須嚴(yán)格按照大小寫金額一致的原則處理票據(jù)事務(wù)。消除僥幸心理，避免不必要的麻煩。倘收受的票據(jù)確遭遇大小寫

51、金額不一致，則票據(jù)事務(wù)的處理應(yīng)嚴(yán)格按照票據(jù)法執(zhí)行。（一）成套匯票（一）成套匯票 (A Set of Bill)(A Set of Bill) 注明只付其中一張，其余各張不付。例如： Pay this first bill of exchange (second of the same tenor and date being unpaid) to 俗稱“付一不付二”。如拿第二張匯票提示，可注明“付二不付一”。（二）需要時的受托處理人（二）需要時的受托處理人 (Referee in Case of need)(Referee in Case of need)（三）擔(dān)當(dāng)付款行（三）擔(dān)當(dāng)付款行 (A

52、 Banker Designated as Payer)(A Banker Designated as Payer)（四）用其他貨幣付款（四）用其他貨幣付款 (Payable in other currency)(Payable in other currency)（五）提示期限（五）提示期限 (Limit of time for presentment)(Limit of time for presentment)（六）免作退票通知（六）免作退票通知(Notice of Dishonor)(Notice of Dishonor)或放棄拒絕證書或放棄拒絕證書(Protest)(Protest)

53、（七）無追索權(quán)（七）無追索權(quán) (Without Recourse) (Without Recourse) 2. 匯票的其他記載項目 Fill in the following blank forms according to the given requisite items: date: 23 July, 200X amount: USD 35,000 tenor: At 30 days after sight drawer: George Anderson Inc., New York drawee: Irving Trust Co., New York payee: Brown and

54、Thomas Inc. or order ExerciseExercise練習(xí)練習(xí).A(drawer)B(payee)(endorser)C(endorsee)(endorser)DE(guarantor)X(drawee/payer)(acceptor)Primary debtorSecondary debtorOnly creditor(holder)(endorsee)匯票的當(dāng)事人The holders perfect titleThe holders perfect title持票人的權(quán)利持票人的權(quán)利 To duly present the bill for acceptance or

55、 payment;到期提示要求承兌或付款 To transfer a bill to other persons;將票據(jù)轉(zhuǎn)讓 To endorse a bill;背書票據(jù) To give notice of dishonor to his prior parties;向前手發(fā)出退票通知 To sue in his own name when dishonored當(dāng)退票時以自己的名義起訴 To duplicate the lost bill （掛失） To cross check or bankers demand draft, and to deliver it to a bank for c

56、ollection.對支票和銀行即期匯票劃線，并交給銀行托收。Holder for value付對價持票人drawerA1draftpayeeB2give it asa giftFriend C3sell holderD4presentdraweeEholder for value只要匯票是付對價出票，那么收款人之后的所有當(dāng)事人 都是holders for value5refuse6recourserecourse?7recourse追索Holder in due course正當(dāng)持票人Holder in due courseHolder in due course Holder in due

57、 course 正當(dāng)持票人的條件正當(dāng)持票人的條件 Must meet the following requirement: Complete and regular on its face (contain all essential items required by the local law.票面完整合規(guī) Taken before maturity到期前取得; Taken in good faith and for value善意取得并支付對價; Taken without notice of its previous dishonor and without notice of any

58、 infirmity on the bill or defect in the title of the person negotiating it.沒有注意到之前的退票并且沒有得到票面存在問題或轉(zhuǎn)讓人權(quán)利瑕疵的通知Acceptor for honor參加承兌人drawer1遠(yuǎn)期匯票payee2背書轉(zhuǎn)讓holderA3轉(zhuǎn)讓 holderB4提示承兌drawee5拒絕承兌6追索追索Acceptor forHonour參加承兌7承兌他可能是被參加承兌人（收款人）的債權(quán)人或總公司，想要保護(hù) 收款人信譽。drawer1draftpayee2endorseendorsee/endorser3endors

59、eholder4present it for paymentdraweeGuarantor保證人 在票據(jù)流通過程中，每個當(dāng)事人都可以尋求擔(dān)保人。擔(dān)保人承擔(dān) 的責(zé)任與被擔(dān)保人相同。A guarantor may guarantee for擔(dān)保通常寫在匯票正面（中國習(xí)慣寫在背面） GUARANTEEDfor a/c of (被擔(dān)保人 的名字)Guarantor(擔(dān)保人) 擔(dān)保人簽字 PER AVALgiven for (被擔(dān)保人 的名字)signed by (擔(dān)保人 的名字) dated on( 日期)PAYMENT GUARANTEEDsigned by (擔(dān)保人名字)此種寫法通常寫在票據(jù)背面如

60、果沒有寫被擔(dān)保人 ，付款人被視為被擔(dān)保人。如果票據(jù)正面出現(xiàn)一個名字，而這個人又不是出票人/受票人/付款人，此人則被視為擔(dān)保人。請不要隨便將自己的名字寫在匯票上。1指能產(chǎn)生票據(jù)債權(quán)債務(wù)關(guān)系的要式的法律行為。票據(jù)行為 票據(jù)行為的特性票據(jù)行為的特性 獨立性 同一票據(jù)上的多個票據(jù)行為彼此獨立生效。 票據(jù)上無行為能力人或限制行為能力人簽章的無效不影響其他簽章的效力。 票據(jù)上簽章的偽造對其他真正簽章的效力不發(fā)生影響。 被保證的債務(wù)即使無效，保證人仍然要承擔(dān)保證責(zé)任。 連帶性 匯票的出票人、背書人、承兌人、保證人對持票人承擔(dān)連帶責(zé)任。持票人可以不按匯票債務(wù)人的先后順序，對其中的任何一人、數(shù)人或者全體行使追索