国际结算课件2资料.ppt

Chapter Credit Instruments 第一节 票据 票据的概念 票据一般是指商业上由出票人签发，无条件约定自己或要求他人支付一定金额，可流通转让的有价证券，持有人具有一定权力的凭证。属于票据的有：汇票、本票、支票、提单、存单、股票、债券等等。 Cont’d 票据的性质 1. 流通性---基本性质 票据的性质 2. 无因性Non-causative nature 3. 要式性 Requisite in form 4. 提示性Presentment 提示：指持票人将票据交给债务人要求其履行票据义务的行为。 5. 返还性Returnability 第二节 汇票 bill of exchange 一、DEFINITION 　 A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person 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 ． (Bill of Exchange Act ,1882 of the United Kingdom) 定义 汇票为一项书面的无条件支付命令，由一人开致另一人，并由发出命令的人签名，要求接受命令的人即期或定期或在可以确定的将来时间，将一定金额的货币支付给某一个特定的人或其指定人或来人。 样票 　　　　　　　　　　BILL OF EXCHANGE No. (汇票编号)??????????????????????????????????????????????????????Date: (出票日期) For: (汇票金额) At?? (付款期限) ?sight of this second of exchange (first of the same tenor and date unpaid) pay to the order of? (收款人) ?the sum of ?(钱数)???. Drawn under? (出票条款) ? L/C No. _________? Dated___________ To. 付款人 ???????????????????????????????????????????????????????????????????????????????????出票人签章 Cont’d 汇票的必要项目 汇票字样 无条件支付命令 受票人的姓名和地址 出票人签名 开出的日期和地点 收款人的姓名或单位名称 付款时间（期限） 金额 Cont’d 汇票 EXHIBIT （一）汇票字样 Bill of exchange, Exchange, Draft (二）无条件支付命令 支付命令必须是无条件的。 e.g. Pay to ABC Co. providing the goods they supply are complied with contract the sum of ten thousand US dollars. (Is it valid?) Cont’d e.g. Pay to A Co. out of the proceeds in our No. 1 account the sum of one thousand US dollars. (Is this valid?) e.g. Pay to C Co. or order the sum of one thousand US dollars. (Is this valid?) Cont’d (三）付款时间 （付款期限） 1. 即期汇票 (sight bill) 即期付款—见票即付 At sight, on demand, on presentation 2. 远期汇票 (time bill/ usance bill/term bill) 均需承兑，以明确付款人责任。 ----出票后定期 at X days / X month(s) af