第五章 国际贸易支付.ppt

Chapter 5 Payment of Goods Warming up When we buy something is our daily life, we often pay the cash in the spot. But is there other means, for example, when you buy something on the internet? Then will we pay cash in spot in international trade? If not, how can we deal with that? Contents 1. Credit Instruments Three credit instruments commonly used Bills of exchange – 汇票 Promissory notes – 本票 Checks – 支票 Bill of exchange The definition Addressed by one person (the drawer) to another (the drawee), signed by the person giving it, requiring the person to whom it is addressed (the drawee, who when he signs, becomes the acceptor) to pay on demand, or at a fixed or determinable future, a sum certain in money, to or to the order of a specified person, or the bearer (the payee). (Bill of Exchange Act, 1882 of the UK) 汇票是由一个人签发给另一个人的无条件书面命令，要求受票人见票时或于未来某一规定的或可以确定的时间，将一定金额的款项支付给某一特定的人或其指定的人或持票人。 The essentials of a bill of exchange 一张合格的汇票一般应具备一下内容 表明“汇票”的字样 无条件支付的委托 确定的金额 付款的期限 付款的地点 受票人(drawee)的名称 收款人(payee) 的名称 出票日期和地点 出票人及其签字或盖章 出票根据 Acts of a bill of exchange (汇票的票据行为) Usually (see the illustration) Issuance – 出票人签发汇票并交付给收款人的行为 Presentment – 提示是持票人将汇票提交付款人要求承兑或付款的行为 Acceptance – 指付款人在持票人向其提示远期汇票时，在汇票上签名，承诺于汇票到期时付款的行为 Payment – 付款人在汇票到期日，向提示汇票的合法持票人足额付款 Endorsement – 指汇票的持票人在汇票的背面签上自己的名字，或再加上受让人的名字，并把汇票交给受让人的行为 Dishonor and resource – 付款人拒绝付款/持票人有权向其前手追索，包括所有的前手，直至出票人 Dishonor – a failure or refusal to make acceptance on or payment of a draft when presented Classification of bill of exchange Promissory notes (本票) The definition an unconditional promise in writing made by one person (the maker) to another (the payee or the holder) signed by the maker engaging to pay on demand or at fixed or determinable future time a sum certain in money to or the order of a specified person or bearer 本票是一个人向另一个人签发的，保证于见票时或定期或在可确定的将来的时间，对某人或其指定人或持票人支付一定金额的无条件的书面承诺 Essentials to a promissory note The words “promissory note” clearly indicated An unconditional promise to pay Name