国际支付与结算3 nov 9th.pptVIP

Chapter Three Credit Instruments 信用工具 Some key points: 1.The three important negotiable Instruments :bill of exchange,promissory note and check 三种重要的流通工具：汇票、本票、支票 2. The function of a negotiable Instruments 流通工具的功能 3.The characteristics of each Instrument 每一种流通工具特征 4. The essentials of each Instrument 每一种流通工具的要点 A credit instrument is a written or printed paper by means of which funds are transferred from one person to another. Credit instrument most commonly used in international payments and settlements are bills of exchange, promissory note and checks. They are also known as negotiable instruments. 信用工具是可凭以将资金从某人转移给其他人的一张书写的或印制好的凭证。 Credit instruments may also take such forms as traveler’s cheques（旅行支票）, certificates of deposit（存款凭证）, treasury bills（国库券）, treasury bonds（国债）, etc. New words and expressions 1.acceptance：接受，承兑 2.compromise：妥协，折中 3.countersign：复签 4.dishonor：拒付 5.endorsee：被背书人 6.endorsement ：背书 7.equity：公平，股本 8.essential：实质，要点 9.garnishee：第三债务人，扣押 10.mandate：支付命令 11.infirmity：缺陷 12.prerequisite：先决条件 13.insolvent：破产的 14.protest：抗议，拒绝证书 15.tenor：进程， 汇票的期限 16.verify：核对，检验 17.validity：合法性，有效性 18.vindicate：辩护，维护，证明正确 19.estop：禁止 20.detriment：损害 21.scrutinize：细察 22.crossing：交叉，（支票）划线 23.inventory：存货 24.submission：屈服，服从 25.affix：使附于，粘贴 26.bulky：体积大的 27. Acceptance bill：承兑汇票 28. Acceptance for honor supra protest：参加承兑 29. Accepted bill：已承兑汇票 30. Accepting bank：承兑银行 31. Acceptor for honor ：参加承兑人 32.after date：出票后 33.after sight：见票后 34.Ante-dated：提早，出票日期比实际日期早 35.At a fixed period after date 出票后固定日期 36. At a fixed period aftersight 见票后固定日期 37.bank’s draft：银行汇票 38.bearer bill：不记名汇票 39.bill of exchange：汇票 40.blank endorsement: general 空白背书 41.bona-fide holder：善意持票人 42.check’s serial number：支票序号 43.chose in action：动产，无形资产（运转） 44.claim compensation：要求赔偿 45.clearing bank：清算行 46.commercial paper：商业票据 47.conditional Acceptance：有条件承兑 48. Conditional endorsement：有条件背书 49.countermand of payment:constructive countermand ：止付 50.crossed check: general：划线支票 51.date