国际结算双语(票据)剖析.ppt

Chapter 2 Instruments信用工具第一节　票据概述 一、Definition of credit instrument票据的概念 A credit instrument is a written or printed paper by means of which funds are transferred from one person to another. Credit instruments most commonly used in international payments and settlements are bills of exchange, promissory notes and checks. They are also known, negotiable instruments. Credit instruments may also take such forms as traveler’s cheque, certificates of deposit，treasury bills, treasury bonds, etc. 二、Instruments characteristic: 1)Negotiability 2)Non-causative Nature 3)Requisite in Form 4)Presentment 5)Return-ability 1. Negotiability流通性 A negotiable bill may be payable to the order of a specified person. A negotiable bill may be payable to bearer. A bill on which the only or last endorsement is an endorsement in blank may be negotiable. A bill payable to a specified person does not contain words prohibiting transfer or indicating an intention that it should not be transferable , it may also be negotiable. 2. Non-causative Nature无因性 The reason(s) of issue or endorse need not to write on the face of the bill. 3. Requisite in Form要式性 The bill must contains the prerequisite items required by the law. 4. Presentment提示性 Present for payment Present for acceptance 三、The three important negotiable instruments： (1) Bill of exchange汇票 (2) Promissory note 本票 (3) Cheque 支票 第二节 汇票 一、Bill of Exchange /Draft/Exchange汇票的定义 二、Essentials of a bill of exchange汇票的要式项目 三、Acts of a bill of exchange汇票的票据行为 四、Types of bill of exchange汇票种类 一、汇票的概念 《英国票据法》对汇票的定义：汇票是由一人开致另一人的书面的无条件命令，由发出命令的人签名，要求接受命令的人在要求付款时立即，或在固定时间，或在可以确定的将来时间，把一定金额的货币支付给一个特定的人，或他的指定人，或来人。 A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, reguring the person to whom to whom it is addressed 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. 二、 E