國際結(jié)算-教學(xué)課件-Chapter-3

Chapter3

Chapter31Part1:BillofExchange定義匯票樣本要素（9）Part1:BillofExchange定義2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的時間，向某人或其指定人或來人無條件地支付一定金額的書面命令。

Abillofexchangeisan__________________________,addressedby________to________,signedbythepersongivingit,requiringthepersontowhomitisaddressedtopay__________orata_____or________________________asum_______inmoneytoortotheortothe________.unconditionalorderinwritingdrawerdraweeondemandfixeddeterminablefuturetimecertainorderofaspecifiedpersonbearer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3⑴Nature:unconditionalorderinwriting⑵Basicthreeparties⑶Tenor⑷AmountHowtorememberthedefinitionofabillofexchange?drawerdraweepayeeondemand/atsightfixedfuturetimedeterminablefuturetimeamountinfiguresamountinwords⑴Nature:unconditionalorderi4ExchangeforUSD25,000Shanghai,March19th,2001AtsightpaytotheorderoftheBankofChinathesumoftwenty-fivethousandUSdollarsonlyValuereceived

ToTheCitiBankForChinaNationalChemicalsImport&ExportNewYork,N.Y.U.S.A.Corporation,S.B.

(signature)

Sample1SightDraft即期匯票ExchangeforUSD25,0005

①

⑤

③

ＥＸＣＨＡＮＧＥforGBP5000,00Beijing,5th,April

④

②

⑦

At

90daysaftersightpaytoCCo.ororder

⑤

thesumof

fivethousandpounds

⑥

⑧

TOBankofEurope

ＦＯＲ

ACompanyLondon

Beijing

⑧

ＳＩＧＮＡＴＵＲＥ

───────ACCEPTED12THApril,19-PayableatMidlandBankLtd.LondonForBankofEurope,Londonsigned8prerequisiteitemsacceptanceDue11thJuly,19-90daysaftersightTenorDraft遠期匯票Sample2

6

Essentialsofabillofexchange

匯票的基本項目(必要項目)Theword“Exchange”匯票字樣Anunconditionalorderinwriting無條件支付命令

Nameandaddressofthedrawee付款人名稱地址Drawer’ssignature(s)出票人簽名DateandplaceofIssue出票時間地點Nameorbusinessentityofthepayee收款人名稱Tenor付款期限Placeofpayment付款地點Amount金額Essentialsofabillofexcha7Unconditional?附帶條件的支付命令（如貨與合同相符）使用一種特殊資金去支付的命令命令連接著發(fā)生交易的稱述

無效無效有效Unconditional?附帶條件的支付命令（如貨與合同8收款人名稱:1.限制性抬頭:PaytoJohnDavidsonlyPaytoJohnDavidsnottransferable2.指示性抬頭:PaytotheorderofABCCo.3.來人抬頭Paytothebearer匯票上收款人的記載:收款人名稱:1.限制性抬頭:匯票上收款人的記載:9*Sightbill:Payondemand*Timebill:atafixedfuturetimedeterminablefuturetimeTenor期限*Sightbill:Payondemand10計算到期日a.“At____daysaftersight/date”

算尾不算頭;期之末日付款；假日順延；

At60daysaftersight,acceptancedateis15,May.

見票日即承兌日計算到期日a.“At____daysaftersig11

16,May31,May，16days；

1,June30,June，30days；

60－46＝１４，

thematuritydateis14,July.At60daysaftersight,acceptancedateis15,May.16,May31,May，16day12計算到期日b.“At_____month(s)aftersight/date”

月為日歷月；月之同日為到期日，無同日即月之末日;假日順延。計算到期日b.“At_____month(s)afte13b.“at_____month(s)after”

Atonemonthafter15December：15December15th,JanuaryAtonemonthafter31January:onemonth31,January28,Februaryonemonth月為日歷月；月之同日為到期日，無同日即月之末日;假日順延。b.“at_____month(s)after”14c.“At____daysfromsight/date"At30daysfromdate,dateofissueis1,March

1,March

30days30,Marchc.“At____daysfromsight/date159.Amount金額asumcertaininmoney*theamountinwordsmustbeequaltotheamountinfigures;*interestclause;*installmentclause;*onecurrencyconvertedtoanothercurrencyequivalent付款次數(shù)每期付款金額付款時間9.Amount金額asumcertaininm16(1)PaytotheorderofAco.thesumoffivethousand

USdollarsplusinterest.Makechoiceofwhetherthefollowingbillsareacceptableornot.MarkXbeforeacceptableorunacceptableyouchoosed.Explainthereasonhowdoyoumakechoice?Itis□acceptable/□unacceptableX(1)PaytotheorderofAco.t17

(2)PaytotheorderofAco.thesumoffivethousandUSdollarsplusinterestcalculatedattherateof

6%perannumfromthedatehereoftothedateofpayment.

Itis□acceptable/□unacceptableXItis□acceptable/□unacceptab18(3)PaytotheorderofAco.thesumoffivethousandUSdollarsplusinterestcalculatedattherateof10%.

rateof10%日內(nèi)瓦統(tǒng)一票據(jù)法規(guī)定：起算日為出票日，終止日為付款日(3)PaytotheorderofAco.19（4）At30daysafterdatePaytotheorderofACo.thesumoffivethousandUSdollarsbytenequalconsecutivemonthlyinstallments.Itis□acceptable/□unacceptableX（4）At30daysafterdatePayt203.2.3ActsofbillofExchangeIssuance出票Endorsement背書Presentment提示Acceptance承兌Payment付款Dishonor退票NoticeofDishonor退票通知3.2.3ActsofbillofExchange21

Protest拒絕證書Rightofrecourse追索權(quán)Acceptanceforhonor（supraprotest）參加承兌Paymentforhonor（supraprotest）參加付款Guarantee擔(dān)?；虮ＷCDiscounting貼現(xiàn)Protest拒絕證書22drawerTodraw,signanddeliverdrawee

1.Issuance出票drawerTodraw,signdrawee

232.Endorsement背書Prerequisites必備條件SignbytheendorseronthebackofthebillMadeforthewholeamountofthedraft只有收款人或被背書人才能有權(quán)背書匯票2.Endorsement背書Prerequisi24EndorsementBlankendorsement空白背書Specialendorsement特別背書Restrictiveendorsement限制背書Conditionalendorsement帶有條件背書EndorsementBlankendorsement25.Blankendorsement

空白背書又稱不記名背書，即不記載被背書人名稱，只有背書人的簽字。當(dāng)匯票經(jīng)空白背書后，交付轉(zhuǎn)讓給一個不記名的受讓人，他與來人抬頭匯票的來人相同，可以不需背書，僅憑交付再行轉(zhuǎn)讓。因為受讓人沒有在匯票背面簽字，所以對匯票不承擔(dān)責(zé)任。.Blankendorsement空白背書又稱不記26EXCHANGEforGBP5,000.00

London,1April,2003At60daysaftersightpaytotheorderofBankofAustraliathesumoffivethousandpounds.ToTheImportingCo.,ForTheExportingCo.,LondonMelbourne(signature)EXCHANGEforGBP5,000.00L27

Thepayee’sLondonOfficewanttotransferthebilltoBankofNewZealand,Auckland,pleasemakeablankendorsement.ForBankofAustralia,London

signatureThepayee’sLondonOffice28Specialendorsement

特別背書又稱記名背書，需要記載“支付給被背書人名稱的指定人”字樣，并經(jīng)背書人簽字。Specialendorsement特別背書又稱記名29ABCDEFDrawerPayeeSecondendorserThirdendorserLastholderDraweeGoodsServiceBCDEDebtABCDEFDrawerPayeeSecondThirdL30Havingmadeanendorsementinblank,theholdersendthebilltoBankofNewZealand,Auckland,whowishestoconvertthisblankendorsementintoaspecialendorsementtothemselves.PaytotheorderofBankofNewZealand,AucklandForBankofAustralia,LondonsignatureHavingmadeanendorsementin31RestrictiveendorsementPaytoABankonlyPaytoABankforaccountofXYZCo.PaytoABanknottransferablePaytoABanknottoorder禁止背書人把匯票再行流通轉(zhuǎn)讓，他只能憑票取款。RestrictiveendorsementPayto32Restrictiveendorsement

Thepayee’sLondonOfficeWishestransferthebilltoBankofNewZealand,Auckland,pleasemakearestrictiveendorsement.PaytoBankofNewZealand,AucklandonlyForBankofAustralia,LondonsignatureRestrictiveendorsementThe33Conditionalendorsement

開出匯票必須是無條件的支付命令，作成背書卻是可以帶有條件的。附帶條件僅僅對背書人和被背書人有著約束作用，它與付款人、出票人無關(guān)。帶有條件背書實際上是指背書行為中的交付，只有在條件完成時方可把匯票交給被背書人。當(dāng)匯票向付款人提示要求付款時，付款人不管條件是否履行，可以照常付款給持票人，匯票即被解除責(zé)任。Conditionalendorsement開出匯票34Conditionalendorsement

Iftheconditionis“ondeliveryofB/LNo.125”pleasemakeaconditionalendorsement.

PaytotheorderofBankofNewZealand,AucklandondeliveryofB/LNo.125ForBankofAustralia,London

signatureConditionalendorsementIft35

持票人將匯票提交付款人要求承兌或要求付款的行為叫提示。即期匯票提示幾次？遠期匯票提示幾次？

3.Presentment提示持票人將匯票提交付款人要求承兌或要求付款的行為叫提示36*

Payondemand*atafixedfuturetime*determinablefuturetime

3.Presentment提示Present

forpayment

PresentforacceptanceThedifferentpresentationdecidedbythetenorofadraft.匯票期限的不同決定了提示方式的差異*Payondemand3.Presentment37

TimeBill:TwopresentationPresentforacceptancePresentforpaymentHolderExchangeforGBP1,250.00Beijing,1April,2003At90daysaftersightpaytotheorderofDEFCo.thesum

ofPoundsonethousandtwohundredandfiftyonlyToXYZBank,ForABCCo.,BeijingLondon(signature)

DraweeHolderExchangeforGBP1,250.00Beijing,1April,2003At90daysaftersightpaytotheorderofDEFCo.thesum

ofPoundsonethousandtwohundredandfiftyonlyToXYZBank,ForABCCo.,BeijingLondon(signature)

DraweeDateofissue法定期限D(zhuǎn)ateofacceptanceDateofmaturityTimeBill:TwopresentationP383.Presentment提示1)Whileabillispayableondemand,presentmentforpaymentisenough,andthebillispaidonpresentment.2)Whileabillispayableaftersight,presentmentforacceptanceisnecessaryinordertofixthematurityoftheinstrument,thenpresentmentforpaymentmustbealsomadeatthematurity.3.Presentment提示1)Whileabil394.Acceptance

承兌意指遠期匯票的付款人簽名表示同意按照出票人命令而付款的票據(jù)行為。付款人承兌匯票后變成承兌人，他的簽名表明他已承諾付款責(zé)任。

“Accepted”字樣并簽字

將已承兌匯票交給持票人：承兌行發(fā)出承兌通知書

4.Acceptance承兌意指遠期匯票40

Refertotheabovebill,abankdesignatedaspayerisBankofMelbourne,Melbourne.Dateofacceptanceis10April,2003.pleasemakeacceptanceofsuchbillindicatingitsmaturity.Refertotheabovebill,aba41ACCEPTED10April,2003tomature9June,2003PayableatBankofMelbourne,MelbourneForImportingCo.MelbournesignatureACCEPTED425.PaymentTheactofpaying/moneypaid即期匯票提示日期即為付款到期日,見票后若干天付款的遠期匯票從承兌日推算到期日。持票人在到期日提示匯票，經(jīng)付款人或承兌人正當(dāng)?shù)馗犊钜院?，匯票即被解除責(zé)任。5.PaymentTheactofpaying43正當(dāng)?shù)馗犊?/p>

paymentinduecourse關(guān)于付款人：要被付款人或承兌人付款，而不是出票人或被背書人支付。關(guān)于付款日期：要在到期日那天或以后付款，而不能在到期日以前付款。關(guān)于收款人：要付款給持票人，意指匯票如被轉(zhuǎn)讓，前手背書必須是連續(xù)和真實。善意的付款，不知道持票人的權(quán)利有何缺陷。付款人按照專業(yè)慣例，盡了專業(yè)職責(zé)，利用專業(yè)信息都不知道持票人權(quán)利上有何缺陷而付款者，即為善意付款。正當(dāng)?shù)馗犊?/p>

paymentinduecourse關(guān)于付44PaymentinduecourseAbillisdischargedbypaymentinduecoursebythedraweeortheacceptor.“Paymentinduecourse”meanspaymentmadeatorafterthematurityofthebilltotheholderthereofingoodfaithandwithoutnoticethathistitletothebillisdefective.PaymentinduecourseAbilli45

Due9Oct.,2003EXCHANGEforHKD10,000.00

HongKong,10Aug.,2003At60daysafterdatepaytoCCo.ororder,thesumofHongKongdollarstenthousandonlyToBBank,HongKongForACo.,HongKong

(signature)

46paymentinduecourseTheabovebillwasacceptedon12AugustbyBBank,HongKong.PaymentinduecourseforsuchbillmeansthesumofHKD10,000.00paidbyBBank,atoraftermaturity,i.e.9Oct.totheholder,i.e.CCo.ingoodfaithandwithoutnoticethatCCo’stitletothebillisdefective.paymentinduecourseTheabove47paymentinduecourse？IfCCo.presentedthebillon8Oct.forpayment,BBank,HongKongpaiditaccordingly,itisn’tpaymentinduecourse.paymentinduecourse？IfCCo.48paymentinduecourse？IfCCo.lostthebillwhichwaspickedupbyDwhohasforgedCCo’sendorsementandpresenteditforpayment10Oct.,BBank,HongKongdidnotcheckendorsementandpaidDaccordingly,itisn’tpaymentinduecourse.paymentinduecourse？49paymentinduecourse？IfCCo.lostthebillwhichhadbeenendorsedinblank,andthenitwaspickedupbyDwhopresentitforpayment.BBank,HongKongwithoutnoticethatDhaspickedupthebill,paidhimon10Oct.,itispaymentinduecourse.paymentinduecourse？IfCCo.50paymentinduecourse？IfBBank,HongKongwascalledbytelephonethatCCo.haslostthebill,BBankstillpaidittoDon10Oct.,itisn’tpaymentinduecourse.paymentinduecourse？IfBBan516.Dishonour

Dishonourbynon-acceptance:

Tofailtoacceptabillofexchange

Dishonourbynon-payment:tofailtopayabillofexchange6.DishonourDishonourbyno527.Noticeofdishonor退票通知的目的是要匯票債務(wù)人及早知道拒付之事，以便做好準(zhǔn)備。7.Noticeofdishonor退票通知的目的53ABCDEFDrawerPayeeSecondendorserThirdendorserLastholderdraweeGoodsServiceBCDEABCDEFDrawerPayeeSecondThirdL548.Protest是由拒付地點的法定公證人作出的證明拒付事實的文件。8.Protest是由拒付地點的法定公證人作出的證明拒559.rightofrecourseTheholdermayexercisehisrightofrecourseonlywhenhehascompletedthefollowingprocedures:Presentthebilltodraweeforacceptanceand/orpayment,anditisdishonouredbynon-acceptance/non-payment.9.rightofrecourseTheholder56Givenoticeofdishonourtohispriorpartyinonebusinessdayfollowingthedayofdishonour.Makeaprotestfornon-acceptanceornon-paymentinonebusinessdayfollowingthedayofdishonour.Givenoticeofdishonourtohi57ThreesignaturesThreesignaturesrepresentingthreeactsofinstrumentsareasfollows:Asignaturealoneonthefrontoftheinstrumentotherthanthatofthedrawerand/ordraweeisanguarantee.ThreesignaturesThreesignatur58ThreesignaturesAsignaturealoneofthedraweeonthefrontoftheinstrumentisanacceptance.Asignaturealoneonthebackoftheinstrumentotherthanthatofthedraweeisanendorsement.ThreesignaturesAsignatureal59guaranteeApromisemadebyathirdparty(guarantor),whoisnotapartytoacontractbetweentwoothers,toacceptliabilityifoneofthepartiesfailstofulfillthecontractualobligations.Forexample,abankmaymakealoantoaperson,providedthataguarantorispreparedtorepaytheloaniftheborrowerfailstodoso.Thebankermayrequiretheguarantortoprovidesome

securitytosupporthisguarantee.Seealsobankguarantee.

guaranteeApromisemadebyat60GuaranteeToprovidegreaterpaymentsecurityasellermaylooktohaveaBillofExchangeguaranteedbyabuyer'sbank.AguaranteedBillofExchangeisonedrawnonandacceptedbythebuyerandtowhich,thebuyer'sbankhasaddeditsguaranteethattheBillwillbepaidatmaturity.Thesecuritytoasellercomesfromabankgivinganundertakingtoeffectpaymentonacertaindateregardlessofthefinancialstandingofabuyeronthatdate.GuaranteeToprovidegreaterpa61guaranteeAbillforUSD30,000.00isdrawnbyMistuiCo.Ltd.,OsakaonChinaNationalTextilesImp.&Exp.Corp.,TianjinBranchpayableatsixmonthsaftersighttotheorderofourselvesanddated4July,2003whichneedsanactofinstrumentguaranteeinaccordancewiththefollowingitems:guarantee62guaranteeThepersonguaranteed:draweeGuarantor:BankofChina,TianjinDate:15July,2003Pleasemakesuchguaranteeaccordingly.guarantee63GUARANTEEForaccountof:ChinaNationalTextilesImp.&Exp.Corp.,TianjinBranchGuarantor:BankofChina,Tianjin

signatureDate:15July,2003GUARANTEE64DiscountDiscountmeanstheamountofdeductioncalculatedatanagreedrateperannumwhichisallowedforimmediatepaymentoftheamountofanacceptedtimebillwhichhasstillaperiodtorunbeforeitsmaturity.Thematurityvalueissameasnetproceedswhichisequaltofacevalueminusdiscountamount.DiscountDiscountmeanstheamo65facevalue:USD7,000.00soldfor:USD6,500.00thisbillofexchangeisbeingsoldatadiscount.Theholderofanacceptedbillhastwooptions:Hecanholdthebilluntilitmatures.:Mr.Jonescanwaitforhismoney.Hecansellitatadiscount.:Mr.Smithneedsmoneyimmediately;:Mr.Robertwantstobepaidthefaceamountofthetimebill.

facevalue:USD7,000.0066

Due9Oct.,2003EXCHANGEforHKD10,000.00

HongKong,10Aug.,2003At60daysafterdatepaytoCCo.ororder,thesumofHongKongdollarstenthousandonlyToBBank,HongKongForACo.,HongKong

(signature)

67Asthedraweeoftheabovebillisnotabanker,thepayeerequestedthatacceptancemadebythedraweemustdesignatehisaccountwithbankaspayerinordertoaskthatbanktodiscountthisbill.Incompliancewiththerequest,draweehasmadeacceptanceasabove.Supposethebillwasdiscountedon6Oct.byBarclaysBankLtd,Londonattherateof9%perannum.Ayearcontains365basicdays.Pleasecalculatediscountamountandnetproceeds.國際結(jié)算-教學(xué)課件-Chapter-368Discountamount:100,000.00*120/365*9%=2,958.90netproceeds:100,000.00*(1-120/365*9%)=100,000.00-2,958.90=97,041.10國際結(jié)算-教學(xué)課件-Chapter-369

Due9Oct.,2003EXCHANGEforHKD10,000.00

HongKong,10Aug.,2003At60daysafterdatepaytoCCo.ororder,thesumofHongKongdollarstenthousandonlyToBBank,HongKongForACo.,HongKong

(signature)

70exerciserefertotheabovebill,attherequestoftheholder,thebill,wasacceptedanddiscountedon12AugustbyBbank,HongKongDiscountatrateof8%perannum.Ayearcontains360basicdays.exercise71protest

Acertificatesignedbyanotarypublicattherequestoftheholderofabillofexchangethathasbeenrefusedpaymentoracceptance.Itisalegalrequirementafternotingthebill(Seealsoacceptancesupraprotest).Thesameprocedurecanalsobeusedforapromissorynotethathasbeendishonoured.

protestAcertificatesignedb72acceptanceforhonourTheacceptanceorpaymentofabillofexchange,afterithasbeendishonoured,byapersonwishingtosavethehonourofthedraweroranendorserofthebill.

acceptanceforhonourTheaccep73noting

Theprocedureadoptedifabillofexchangehasbeendishonouredbynon-acceptanceorbynon-payment.Notlaterthanthenextbusinessdayafterthedayonwhichitwasdishonoured,theholderhastohandittoanotarypublictobenoted.Thenotaryre-presentsthebill;ifitisstillunacceptedorunpaid,thecircumstancesarenotedinaregisterandalsoonanotarialticket,whichisattachedtothebill.Thenotingcanthen,ifnecessary,beextendedtoaprotestnotingTheprocedureadoptedi74Acceptanceforsb’sHonourTheactofapersonwhoisnotapartytoadishonouredbillbutwho,asakindness,acceptsitinordertoperservethehonourofthedebtorAcceptanceforsb’sHonourThe75Paymentforsb’sHonourTheactofaperson,otherthanthedebtor,whopaysadishonouredbillofexchangeafterithasbeenprotested,inordertoprotectthehonourofthedebtor.Inpayingithemustarrangeforanotrarytodrawupandattest(witess)aformaldocumentcalledanotrarialactofhonourwhichmustatateforwhosehonourthebillhasbeenpaid;thisdocumentmustbefastenedtotheprotest.Paymentforsb’sHonourTheact76ThefunctionoftheBillofExchangeinInternationalTradeTheBillofExchangeperformsmanyfunctionsininternationaltradeincluding:1.Facilitatesthegrantingoftradecreditinalegalformatbypermittingpaymentsonagreedfuturedates.ThefunctionoftheBillofEx77ThefunctionoftheBillofExchangeinInternationalTrade2.Providesformalevidenceofthedemandforpaymentfromasellertoabuyer.3.ProvidesthesellerwithaccesstofinancebypermittingthemtotransfertheirdebtstoabankorotherfinancierbymerelyindorsingtheBillofExchangetothatbankorfinancier.ThefunctionoftheBillofEx78ThefunctionoftheBillofExchangeinInternationalTrade4.Permitsthebankerorfinanciertoretainavalidlegalclaimonboththebuyerandtheseller.IncertaincircumstancesabankorfinanciermayhaveastrongerlegalclaimunderaBillthanthepartythatsoldthemthedebt.ThefunctionoftheBillofEx79ThefunctionoftheBillofExchangeinInternationalTrade5.Permitsasellertoobtaingreatersecurityoverthepaymentbyenablingabanktoguaranteeadrawee'sacceptance(guaranteetopayontheduedate)bysigningorendorsingtheBill.(SeeGuaranteedBillsofExchangebelow)ThefunctionoftheBillofEx80ThefunctionoftheBillofExchangeinInternationalTrade6.Allowsasellerprotecttheiraccesstothelegalsystemintheeventofproblems,while

providingeasieraccesstothatlegalsystem.ThefunctionoftheBillofEx81AdvantagesofBillsofExchangeCompanieshaveusedBillsofExchangeforhundredsofyears.Theirlongevityisduetotheadvantagestheyprovideinatradingtransaction.AdvantagesofBillsofExchang82AdvantagesofBillsofExchange1.ABillofExchangefacilitatesthegrantingoftradecredittoabuyer.2.ABillofExchangeprovidesalegalacknowledgementthatadebtexists.AdvantagesofBillsofExchang83AdvantagesofBillsofExchange3.Itcanprovidethesellerwithaccesstofinancing.4.Itcanprovideeasyaccesstothelegalsystemsintheeventofnon-payment.AdvantagesofBillsofExchang84LegalProtectionaffordedbyBillsofExchangeAnadvantageforasellerLegalProtectionaffordedbyB85LegalProtectionaffordedbyBillsofExchangeAnadvantageforasellerinusingaBillofExchangeisthecapabilityoftheBillofExchangetoprovideformaldocumentaryevidencethatthedemandforpaymentoracceptancehasbeenmadetothebuyer.Inaddition,itmaybepossibletosuethebuyerfornon-paymentbasedsolelyonthisdocumentaryevidence.LegalProtectionaffordedbyB86LegalProtectionaffordedbyBillsofExchangeAsellercanprotecttheirinterestsbyrequestingthataBillofExchangebenotedorprotestedfornon-paymentornon-acceptance.WhenaBillisnotpaidoraccepteditissaidtohavebeen"dishonoured".LegalProtectionaffordedbyB87kindsofbillsofexchangeBanker’sDraft:abillpayableondemanddrawnbyabankonitselfandsignedbyoneofitsresponsibleofficials.TradeBill:oneusedintradeorinpayingforgoodsbought.kindsofbillsofexchangeBank88kindsofbillsofexchangeBanker’sAcceptanceBillTrade’sAcceptanceBillkindsofbillsofexchangeBank89kindsofbillsofexchangeSightdraft/demanddraft:onepayableatsightoronpresentationonwhichitwasdrawn.Timebill/Usancebill:onewhichispayableatafixedorstatedtime.kindsofbillsofexchangeSigh90kindsofbillsofexchangeCleandraft:onewhichhasnospecialconditionsoranydocumentsjoinedtoit,esp.onewhichisabankbill.Documentarybill:onewhichisfastenedtoshippingdocumentssuchasbilloflading,insurancepolicy,invoice,dockwarrant,etc.kindsofbillsofexchangeClea91Abillhasthreebasicpartiesi.e.drawer,draweeandpayee,twopartiesofthemaresituatedindifferentcountries,itiscalledaninternationalbillofexchange.Ifthreepartiesaresituatedinasamecountry,itiscalledadomesticbillofexchange.國際結(jié)算-教學(xué)課件-Chapter-3923.1.3Partiestoanegotiableinstrument1.drawer出票人2.drawee受票人(付款人)3.Payee收款人4.Acceptor承兌人5.Endorser背書人6.Endorsee被背書人7.acceptorforhonor參加承兌人（實務(wù)中很少出現(xiàn))8.Guarantor保證人9.Holder持票人10.holderforvalue付對價持票人11.Holderinduecourse正當(dāng)持票人3.1.3Partiestoanegotiable93ThegeneralprocedureofabillofexchangeThegeneralprocedureofabil94(1)Drawer:出票人Thepersonwhodrawsabillofexchangeoracheckupon/onthedraweeforthepaymentofacertainamountofmoney.debtor(1)Drawer:出票人Thepersonwhodr95(2)Drawee/Payer:受票人/付款人Thepersonuponwhomabillofexchangeoracheckisdrawn.Debtor?Draweeisnotacertaindebtor,becausehe/shedoesnotsignhis/hernameonthebillofexchange.

(2)Drawee/Payer:受票人/付款人Theper96(3)Payee:收款人Thepersontowhoseorderthedraweeistomakepaymentortowhomthemoneyistobepaid.Creditor*hastherighttopresentforpayment/acceptance*hastherighttotransfertheinstrumenttoanotherpersonThepayeeisthefirstendorserinainstrument(3)Payee:收款人Thepersontowhos97(4)Acceptor:承兌人Thedraweeinusancedraftagreestomakepaymentbysigninghisnameonitsface.Debtordraweeofanacceptedusancedraft=acceptor(4)Acceptor:承兌人Thedraweeinu98(5)Endorser:背書人Thepayeeoraholder*signshisnameonthebackofaninstrument匯票背面簽名*forthepurposeoftransferringittoanotherone轉(zhuǎn)讓票據(jù)（權(quán)利）Debtor(5)Endorser:背書人Thepayeeora99(6)Endorsee:被背書人Thepersontowhomaninstrumentisendorsed.Creditor(6)Endorsee:被背書人Thepersonto100(7)Acceptorforhonor:參加承兌人Thepersonwhohimselfisnotapartyliable

onabillofexchangebutwiththeconsentoftheholdermayinterveneandacceptthebil