山东师范大学票据法学课件 票据法4.pptVIP

Chapter One Summaries of NI  Section One Concept and Forms of Bill 2.Forms of Bill 2.1 Forms of Bill in Law 2.2 Forms of Bill in Theory Chapter One Summaries of NI  Section One Concept and Forms of Bill 2.1 Forms of Bill in Law 法律上分类： 2.1.1 Bill of Exchange vs. Promissory Note vs. Cheque 2.1.1.1 Bill of Exchange 《NI Law》19: A bill of exchange is a negotiable instrument, issued by the drawer, who authorizes the drawee to pay unconditionally a sum certain in money to the payee or the holder at sight or on a specified date. Bills of exchange include banker’s bills and commercial bills. 汇票是出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。汇票分为银行汇票和商业汇票。（商业承兑汇票；银行承兑汇票） Bill of Exchange Main Function in China: Banker’s Bill: 方便异地采购 Commercial Bill: 缓解资金压力 Measures for the Implementation of Administration of Negotiable Instruments 8：“商业汇票的出票人，为银行以外的 。向银 行申请办理汇票承兑的商业汇票的出票人，必须具备以下条件（一）在承兑银 行开立存款账户；（二）资信状况良好，并具有支付汇票金额的可靠资金来 源。” Bill of Exchange Measures for the Implementation of Administration of Negotiable Instruments 9：“承兑商业汇票的银行，必须具备下列条件（一） 与出票人具有真实的委托付款关系；（二）具有支付汇票金额的 可靠资金。” Chapter One Summaries of NI  Section One Concept and Forms of Bill 2.1 Forms of Bill in Law 法律上分类： 2.1.1 Bill of Exchange vs. Promissory Note vs. Cheque 2.1.1.2 Promissory Note 《NI Law》73: A promissory note is a negotiable instrument, issued by the drawer promising to pay unconditionally a sum certain in money to the payee or the holder at sight . A promissory note in this law means a banker’s note. 本票是出票人签发的，承诺自己在见票时无条件支付确定的金额给收款人或者持票人的票据。本法所称本票，是指银行本票。 Promissory Note-----Banker’s Note Main Function in China: payment. 我国主要用于银行间转帐。 Promissory Note Overseas: 国外存在大量的商业本票。定期、活期存款单都被认为是本票。 Forms of Banker’s Note in China: Measures for the