第四讲 本票与支票.ppt

国际结算 第四讲　本票与支票 （promissory note and cheque ） 本 票 １、什么是本票？ ２、本票的绝对必要记载项目 ３、本票的特征 ４、本票的基本用途 ５、本票的种类 本票式样 一、什么是本票 本票是出票人的付款承诺 这个承诺是无条件的，是书面的 承诺自己支付 支付给收款人的是确定的金额 这个支付是在特定的时间进行。 　　 注意：我国票据法只承认见票即付银行本票 二、本票的绝对必要记载项目 １、“本票”字样 ２、出票人签字 ３、收款人名称 ４、无条件支付承诺 ５、确定的金额 ６、出票日期 本票与汇票的绝对必要记载项目 三、本票的特征 1、本票是出票人无条件的付款承诺。 2、只有两个基本当事人：出票人（maker）与收款人（payee）。出票人即为付款人。 3、远期本票无须提示承兑，所有情况下出票人都是主债务人，承担付款责任。 4、除银行本票外，其它本票在商业交易中的用途并不广泛。银行本票中的来人抬头本票因为类似于发行货币而被许多国家禁止开出。 本票的基本用途 银行本票：我国的做法是申请人将款项交存银行，由银行签发给其凭以办理转帐结票或支取现金 国外：本票常用来做借款的还款承诺。 例子 Promissory Note -- Equal Monthly Installments 1. Promise to Pay. For value received, __ Josephine H. Herbert __, (Borrower) promises to pay __ Alexander Knudsen __ (Lender) $__ 10,000 __ and interest at the yearly rate of __ 10 __% on the unpaid balance as specified below. 2. Monthly Installments. Borrower will pay __ 60 __ monthly installments of $__ 212 __ each. 3. Date of Installment Payments. Borrower will make an installment payment on the __ 1st __ day of each month beginning __ January 1, 1998 __ until the principal and interest have been paid in full. 4. Application of Payments. Payments will be applied first to interest and then to principal. 5. Prepayment. Borrower may prepay all or any part of the principal without penalty. 6. Loan Acceleration. If Borrower is more than __ 30 __ days late in making any payment, Lender may declare that the entire balance of unpaid principal is due immediately, together with the interest that has accrued. 7. Security ? This is an unsecured note. －Borrower agrees that until the principal and interest owed under this promissory note are paid in full, this note will be secured by a security agreement and Uniform Commercial Code Financing statement giving Lender a security interest in the equipment, fixtures, inventory and accounts receivable of the business known as ____. －Borrower agrees that until the principal and interest owed under this promissory note are paid in full, this note will be secured by the 　－mort