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國際商務(wù)英語Chapter5BillofExchange國際商務(wù)英語Chapter5BillofExchan1DefinitionAbillofexchangeisformallydefinedasanunconditionalorderinwriting,addressedbyoneparty(drawer)toanother(drawee),signedbythepartygivingit,requiringthepartytowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedparty(payee),ortobearer.Abillofexchangecanalsobecalledadraftorabill.DefinitionAbillofexchangei2Essentials

Theword“Exchange”AnunconditionalorderinwritingAddressedbyonepersontoanotherSignedbythepersongivingit

TenorAsumcertaininmoney

PayabletoaspecifiedpersononlyorhisorderortobearerEssentialsTheword“Exchange”3Otheritems

ThedateofissueTheplaceofissueTheplaceofpayment

AbankerdesignatedaspayerValuereceivedAsetofbill

Refereeincaseofneed

Noticeofdishonorexcusedandprotestwaived

Withoutrecourse

OtheritemsThedateofissue4PartiesandActsTherearethreeimmediatepartiestoabillofexchange:thedrawer,thedrawerandthepayee.Theyarethebasicpartiestoabillbeforeitistransferredtoanotherparty.PartiesandActsTherearethre5Thedrawer:

Thedraweristhepartywhodrawsandsignsadraftonthedraweeanddeliversittothepayee.Thedrawee:

Thedraweeisthepartyonwhomthebillisdrawnandheisthepartytohonorthebillattheorderofthedrawer

Thepayee:Thepayeeisthepartytoreceivepayment.Heisthefirstcreditortothebillandthefirstlegalowneroftheinstrument

國際商務(wù)英語Chapter5BillofExchange課件6OtherParties

EndorserAnendorserisapayeeoraholderwhosignshisnameonthebackofabillforthepurposeofnegotiation.

EndorseeAnendorseeisthepartytowhomtheinstrumentistransferred.Hebecomesthenewholdertotheinstrumentandisthecreditortotheinstrument.Anendorseecanalsobecomeanendorserifhewishestotransfertheinstrumenttoanotherpartybysigninghisnameonitsback.OtherPartiesEndorser7AcceptorforhonorAnacceptorforhonoristhepersonwhohimselfisnotaliablepartytoabillofexchangebutwiththeconsentoftheholdermayinterveneandacceptthebillintheeventthatthebillisdishonoredbynon-acceptance.GuarantorAguarantorisanotherthirdpartywhoguaranteestheacceptanceandthepaymentofabillofexchange.Acceptorforhonor8HolderAholderisapartywhoisinpossessionoftheinstrument.Aholdercanbethepayee/bearerortheendorsee.HolderforvalueHolderinduecourseHolder9ActsofBillofExchangeTheactsofabillofexchangerefertothelegalactscarriedouttobeartheobligationstoadraft.Themainactofwhichistoissue.Inbroadsense,theactsalsoincludepresentment,payment,paymentforhonor,dishonor,protestandtheexerciseofrightrecourse.ActsofBillofExchangeTheac10

IssueToissueadraftcomprisestwoactstobeperformedbythedrawer.Oneistodrawadraftandsignit;theotheristodeliverittothepayee.EndorsementEndorsementismadeonthebackofabillofexchange.Itisanactofnegotiation.Issue11FourKindsofEndorsementSpecialendorsement(Endorsementinfull)BlankendorsementRestrictiveendorsementConditionalendorsementFourKindsofEndorsementSpe12

PresentmentPresentment/Presentationistobemadebytheholdertothepersondesignatedasdraweeforpaymentifitisasightbillandforacceptanceandpaymentifitisatimebill.Billsmustbepresentedforacceptanceonthefollowingoccasionsandfailuretodosowillmaketheholderlosetherightofrecourseagainsthispriorparties.Presentment13AcceptanceAcceptanceofabillisthesignificationbythedraweeofatimebillofhisassenttotheorderofthedrawer.Thedraweehasnoliabilityonthebilluntilhesignsthebillinsuchawayastosignifyacceptanceofliabilitytopaythemoneystatedinthebill.Acceptance14PaymentTheultimatepurposeforabillofexchangeistogetpaid.Paymentiscarriedoutwhenthebillispaid.Paymentofasightbillismadewhenthebillispresentedtothedraweeandpaymentofatimebillismadeatmaturity.Payment15

DishonorDishonorisafailureorrefusaltomakeacceptanceorpaymentofabillofexchangewhenpresentedtothedrawee.Abillofexchangemaybedishonoredeitherbynon-acceptanceorbynon-payment.Whenabillisonlyofferedaqualifiedacceptance,theholdermaytakeitasdishonoredbynon-acceptance.Otherinstancesofdishonormayarisewhenthedrawee’sdeliberateavoidance,hisbankruptcyorevenhisdeath,whichmakestheacceptanceorthepaymentimpossible.Dishonor16

NoticeofdishonorWhenabillisdishonoredbynon-acceptanceorbynon-payment,theholdermustgivenoticeofdishonortothedrawerandalltheendorsersforwhomtheholdermaywishtomakeliable.Thepurposeofgivingsuchnoticeistoinformthedrawerandpriorendorsersthedefaultofacceptanceorpaymentsothattheymaygetreadytohonorthepayment.Noticeofdishonor17ProtestProtestisaformalcertificategivenbyanotarypartyorotherauthorizedpersontoevidencethatabillofexchangehasbeendishonored.Theprotestshouldbedoneontheverydayornolaterthanthenextbusinessdayfromthedayofdishonor.Protest18RightofrecourseRightofrecoursemeansthattheholderofabillofexchangehastherighttoclaimcompensationfromthedrawerandtheendorsersintheeventthatthebillhasbeendishonored.Thecompensationshouldincludetheamountpayableonthebillwithinterest,thefeesforgivingthenoticeofdishonorandprotestandotherincurredexpenses.Rightofrecourse19國際商務(wù)英語Chapter5BillofExchange國際商務(wù)英語Chapter5BillofExchan20DefinitionAbillofexchangeisformallydefinedasanunconditionalorderinwriting,addressedbyoneparty(drawer)toanother(drawee),signedbythepartygivingit,requiringthepartytowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedparty(payee),ortobearer.Abillofexchangecanalsobecalledadraftorabill.DefinitionAbillofexchangei21Essentials

Theword“Exchange”AnunconditionalorderinwritingAddressedbyonepersontoanotherSignedbythepersongivingit

TenorAsumcertaininmoney

PayabletoaspecifiedpersononlyorhisorderortobearerEssentialsTheword“Exchange”22Otheritems

ThedateofissueTheplaceofissueTheplaceofpayment

AbankerdesignatedaspayerValuereceivedAsetofbill

Refereeincaseofneed

Noticeofdishonorexcusedandprotestwaived

Withoutrecourse

OtheritemsThedateofissue23PartiesandActsTherearethreeimmediatepartiestoabillofexchange:thedrawer,thedrawerandthepayee.Theyarethebasicpartiestoabillbeforeitistransferredtoanotherparty.PartiesandActsTherearethre24Thedrawer:

Thedraweristhepartywhodrawsandsignsadraftonthedraweeanddeliversittothepayee.Thedrawee:

Thedraweeisthepartyonwhomthebillisdrawnandheisthepartytohonorthebillattheorderofthedrawer

Thepayee:Thepayeeisthepartytoreceivepayment.Heisthefirstcreditortothebillandthefirstlegalowneroftheinstrument

國際商務(wù)英語Chapter5BillofExchange課件25OtherParties

EndorserAnendorserisapayeeoraholderwhosignshisnameonthebackofabillforthepurposeofnegotiation.

EndorseeAnendorseeisthepartytowhomtheinstrumentistransferred.Hebecomesthenewholdertotheinstrumentandisthecreditortotheinstrument.Anendorseecanalsobecomeanendorserifhewishestotransfertheinstrumenttoanotherpartybysigninghisnameonitsback.OtherPartiesEndorser26AcceptorforhonorAnacceptorforhonoristhepersonwhohimselfisnotaliablepartytoabillofexchangebutwiththeconsentoftheholdermayinterveneandacceptthebillintheeventthatthebillisdishonoredbynon-acceptance.GuarantorAguarantorisanotherthirdpartywhoguaranteestheacceptanceandthepaymentofabillofexchange.Acceptorforhonor27HolderAholderisapartywhoisinpossessionoftheinstrument.Aholdercanbethepayee/bearerortheendorsee.HolderforvalueHolderinduecourseHolder28ActsofBillofExchangeTheactsofabillofexchangerefertothelegalactscarriedouttobeartheobligationstoadraft.Themainactofwhichistoissue.Inbroadsense,theactsalsoincludepresentment,payment,paymentforhonor,dishonor,protestandtheexerciseofrightrecourse.ActsofBillofExchangeTheac29

IssueToissueadraftcomprisestwoactstobeperformedbythedrawer.Oneistodrawadraftandsignit;theotheristodeliverittothepayee.EndorsementEndorsementismadeonthebackofabillofexchange.Itisanactofnegotiation.Issue30FourKindsofEndorsementSpecialendorsement(Endorsementinfull)BlankendorsementRestrictiveendorsementConditionalendorsementFourKindsofEndorsementSpe31

PresentmentPresentment/Presentationistobemadebytheholdertothepersondesignatedasdraweeforpaymentifitisasightbillandforacceptanceandpaymentifitisatimebill.Billsmustbepresentedforacceptanceonthefollowingoccasionsandfailuretodosowillmaketheholderlosetherightofrecourseagainsthispriorparties.Presentment32AcceptanceAcceptanceofabillisthesignificationbythedraweeofatimebillofhisassenttotheorderofthedrawer.Thedraweehasnoliabilityonthebilluntilhesignsthebillinsuchawayastosignifyacceptanceofliabilitytopaythemoneystatedinthebill.Acceptance33PaymentTheultimatepurposeforabillofexchangeistogetpaid.Paymentiscarriedoutwhenthebillispaid.Paymentofasightbillismadewhenthebillispresentedtothedraweeandpaymentofatimebillismadeatmaturity.Payment34

DishonorDishonorisafailureorrefusaltomakeacceptanceorpaymentofabillofexchangewhenpresentedtothedrawee.Abillofexchangemaybedishonoredeitherbynon-acceptanceorbynon-payment.Whenabillisonlyofferedaqualifiedacceptance,theholdermaytakeitasdishonoredbynon-acceptance.Otherinstancesofdishonormayarisewhen

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