[经济学]Chapter11 International trade panyment.pptVIP

(3) According to the tenor根据付款时间 ① Sight draft or demand draft 即期汇票 ② Time draft or usance draft 远期汇票 The time may be expressed in the following three ways: (ⅰ)at ‥ days after sight 见票后若干天付款 (ⅱ) at‥ days after date出票后若干天付款 (ⅲ) at a fixed date指定日期付款 (4)According to who is the acceptor根据承兑人的不同 ①Trader’s acceptance draft 商业承兑汇票 ②Banker’s acceptance draft 银行承兑汇票 Ⅱ . Promissory note本票 1 . Definition of promissory note A written promise to pay a determinate sum of money made between two parties is a promissory note,or simply a note. 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以确定的将来时间，对某人或其指定的人或持票人支付一定金额的无条件的书面承诺。 债权人 债务人 本票 2 . Differences between a bill of exchange and a promissory note (1) A promissory note is a promise to pay,whereas a bill of exchange is an order to pay; (2) There are only two parties to a promissory note,namely the maker and the payee,whereas there are three parties to a bill of exchange,namely the drawer ,the drawee and the payee; (3)The maker is primarily liable on a promissory note,whereas the drawer is primarily liable,if it is a sight bill and the acceptor becomes primarily liable, if it is a time bill; (4)When issued,a promissory note has an original note only,whereas a bill of exchange may be either a sole bill or a bill in a set,i.e., a bill drawn with the second of exchange and third of exchange in addition to the original one. Ⅲ . Cheqe /check A cheque is a special type of draft. 以银行为付款人的即期汇票，即存款人对银行的无条件支付一定金额的委托或命令。 是一种特殊的汇票，是汇票的特例。支票无远期、近期之分，有效期为10天，在使用中可能出现透支，一般接受支票者先要核实，以防透支或欺诈，支票的日期必须大写。 §2 Remittance and Collection Ⅰ . Remittance汇付 1 . Definition of remittance 又称汇款，指付款人主动通过银行或其他途径将款项交收款人的结算方式。 其他途径：自己携带、邮递方式。 2 . Parties related to a remittance与汇付有关的当事人 (1) Remitter汇款人 (2) Payee or beneficiary收款人 (3) Remitting bank汇出行 (4) Paying bank