第三章信用工具.pptxVIP

Chapter3 credit instrument Main content of this chapter -the three important negotiable instrument: bill of exchange, promissory note and check. The function of a negotiable instrument The characteristics of each instrument The essentials of each instrument 3.1 outline Instrument is a kind of certificate in writing which aims at obtaining a certain amount of proceeds. It clearly records currency to certain extend, circulating among participants, facilitating the transfer of credits, acting as payment and credit tools in merchandise exchange. There are two categories of property: Real property(不动产) :the property like land and house, which can not be moved from one place to another,. Personal property(动产): It could be taken away by the owner of property. The personal property can be classified into chose in action(权利财产) and chose in possession（占有财产） A chose in action is property which does not physically exist and consequently can not be effectively protected by physical means, only by court action. therefore ,it is often referred to intangible property such as bill of exchange ,bill of lading, patents ,copyrights ,share and life policies(人寿保险单). A chose in possession is property with a physical existence, such property can therefore be physically possessed and protected, such as Books in your book shelf or clothes in your wardrobe . The proof of title to a chose in action is certificate of title, or document of title, sometimes also called broad instrument, which can be transferred from one holder to another by some legal actions. Generally, the title can be transferred from transferor to transferee in three ways: Negotiation, semi-negotiation, and assignment. 票据的概念及特性 当国际贸易结算从现金结算过渡到非现金结算时，其使用的以抵消国际间债权债务关系的信用工具就是票据。 票据是指由出票人签发并无条件承诺由自己或委托他人支付一定金额的有价证券，包括汇票（bill of exchange）、本票（promissory）和支票（cheque）。 票据的特性 1、设权性。 指票据权利的发生，必须以票据的设立为前提。票据是一种表示具有财产价值的权利的文本。票据权利的产生必须作成票据；票据权利的转让必须交付票据；票据权利的行使必须提示票据。票据的权利在票据作成之前并不存在，是在票据作成时同时产生的。 2、无因性。 是指票据是一种无须过问原因的证券。这里所指的原因是票据上