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國(guó)際商務(wù)英語(yǔ)Chapter5BillofExchange國(guó)際商務(wù)英語(yǔ)Chapter5BillofExchan1DefinitionAbillofexchangeisformallydefinedasanunconditionalorderinwriting,addressedbyoneparty(drawer)toanother(drawee),signedbythepartygivingit,requiringthepartytowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedparty(payee),ortobearer.Abillofexchangecanalsobecalledadraftorabill.DefinitionAbillofexchangei2Essentials
Theword“Exchange”AnunconditionalorderinwritingAddressedbyonepersontoanotherSignedbythepersongivingit
TenorAsumcertaininmoney
PayabletoaspecifiedpersononlyorhisorderortobearerEssentialsTheword“Exchange”3Otheritems
ThedateofissueTheplaceofissueTheplaceofpayment
AbankerdesignatedaspayerValuereceivedAsetofbill
Refereeincaseofneed
Noticeofdishonorexcusedandprotestwaived
Withoutrecourse
OtheritemsThedateofissue4PartiesandActsTherearethreeimmediatepartiestoabillofexchange:thedrawer,thedrawerandthepayee.Theyarethebasicpartiestoabillbeforeitistransferredtoanotherparty.PartiesandActsTherearethre5Thedrawer:
Thedraweristhepartywhodrawsandsignsadraftonthedraweeanddeliversittothepayee.Thedrawee:
Thedraweeisthepartyonwhomthebillisdrawnandheisthepartytohonorthebillattheorderofthedrawer
Thepayee:Thepayeeisthepartytoreceivepayment.Heisthefirstcreditortothebillandthefirstlegalowneroftheinstrument
國(guó)際商務(wù)英語(yǔ)Chapter5BillofExchange課件6OtherParties
EndorserAnendorserisapayeeoraholderwhosignshisnameonthebackofabillforthepurposeofnegotiation.
EndorseeAnendorseeisthepartytowhomtheinstrumentistransferred.Hebecomesthenewholdertotheinstrumentandisthecreditortotheinstrument.Anendorseecanalsobecomeanendorserifhewishestotransfertheinstrumenttoanotherpartybysigninghisnameonitsback.OtherPartiesEndorser7AcceptorforhonorAnacceptorforhonoristhepersonwhohimselfisnotaliablepartytoabillofexchangebutwiththeconsentoftheholdermayinterveneandacceptthebillintheeventthatthebillisdishonoredbynon-acceptance.GuarantorAguarantorisanotherthirdpartywhoguaranteestheacceptanceandthepaymentofabillofexchange.Acceptorforhonor8HolderAholderisapartywhoisinpossessionoftheinstrument.Aholdercanbethepayee/bearerortheendorsee.HolderforvalueHolderinduecourseHolder9ActsofBillofExchangeTheactsofabillofexchangerefertothelegalactscarriedouttobeartheobligationstoadraft.Themainactofwhichistoissue.Inbroadsense,theactsalsoincludepresentment,payment,paymentforhonor,dishonor,protestandtheexerciseofrightrecourse.ActsofBillofExchangeTheac10
IssueToissueadraftcomprisestwoactstobeperformedbythedrawer.Oneistodrawadraftandsignit;theotheristodeliverittothepayee.EndorsementEndorsementismadeonthebackofabillofexchange.Itisanactofnegotiation.Issue11FourKindsofEndorsementSpecialendorsement(Endorsementinfull)BlankendorsementRestrictiveendorsementConditionalendorsementFourKindsofEndorsementSpe12
PresentmentPresentment/Presentationistobemadebytheholdertothepersondesignatedasdraweeforpaymentifitisasightbillandforacceptanceandpaymentifitisatimebill.Billsmustbepresentedforacceptanceonthefollowingoccasionsandfailuretodosowillmaketheholderlosetherightofrecourseagainsthispriorparties.Presentment13AcceptanceAcceptanceofabillisthesignificationbythedraweeofatimebillofhisassenttotheorderofthedrawer.Thedraweehasnoliabilityonthebilluntilhesignsthebillinsuchawayastosignifyacceptanceofliabilitytopaythemoneystatedinthebill.Acceptance14PaymentTheultimatepurposeforabillofexchangeistogetpaid.Paymentiscarriedoutwhenthebillispaid.Paymentofasightbillismadewhenthebillispresentedtothedraweeandpaymentofatimebillismadeatmaturity.Payment15
DishonorDishonorisafailureorrefusaltomakeacceptanceorpaymentofabillofexchangewhenpresentedtothedrawee.Abillofexchangemaybedishonoredeitherbynon-acceptanceorbynon-payment.Whenabillisonlyofferedaqualifiedacceptance,theholdermaytakeitasdishonoredbynon-acceptance.Otherinstancesofdishonormayarisewhenthedrawee’sdeliberateavoidance,hisbankruptcyorevenhisdeath,whichmakestheacceptanceorthepaymentimpossible.Dishonor16
NoticeofdishonorWhenabillisdishonoredbynon-acceptanceorbynon-payment,theholdermustgivenoticeofdishonortothedrawerandalltheendorsersforwhomtheholdermaywishtomakeliable.Thepurposeofgivingsuchnoticeistoinformthedrawerandpriorendorsersthedefaultofacceptanceorpaymentsothattheymaygetreadytohonorthepayment.Noticeofdishonor17ProtestProtestisaformalcertificategivenbyanotarypartyorotherauthorizedpersontoevidencethatabillofexchangehasbeendishonored.Theprotestshouldbedoneontheverydayornolaterthanthenextbusinessdayfromthedayofdishonor.Protest18RightofrecourseRightofrecoursemeansthattheholderofabillofexchangehastherighttoclaimcompensationfromthedrawerandtheendorsersintheeventthatthebillhasbeendishonored.Thecompensationshouldincludetheamountpayableonthebillwithinterest,thefeesforgivingthenoticeofdishonorandprotestandotherincurredexpenses.Rightofrecourse19國(guó)際商務(wù)英語(yǔ)Chapter5BillofExchange國(guó)際商務(wù)英語(yǔ)Chapter5BillofExchan20DefinitionAbillofexchangeisformallydefinedasanunconditionalorderinwriting,addressedbyoneparty(drawer)toanother(drawee),signedbythepartygivingit,requiringthepartytowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedparty(payee),ortobearer.Abillofexchangecanalsobecalledadraftorabill.DefinitionAbillofexchangei21Essentials
Theword“Exchange”AnunconditionalorderinwritingAddressedbyonepersontoanotherSignedbythepersongivingit
TenorAsumcertaininmoney
PayabletoaspecifiedpersononlyorhisorderortobearerEssentialsTheword“Exchange”22Otheritems
ThedateofissueTheplaceofissueTheplaceofpayment
AbankerdesignatedaspayerValuereceivedAsetofbill
Refereeincaseofneed
Noticeofdishonorexcusedandprotestwaived
Withoutrecourse
OtheritemsThedateofissue23PartiesandActsTherearethreeimmediatepartiestoabillofexchange:thedrawer,thedrawerandthepayee.Theyarethebasicpartiestoabillbeforeitistransferredtoanotherparty.PartiesandActsTherearethre24Thedrawer:
Thedraweristhepartywhodrawsandsignsadraftonthedraweeanddeliversittothepayee.Thedrawee:
Thedraweeisthepartyonwhomthebillisdrawnandheisthepartytohonorthebillattheorderofthedrawer
Thepayee:Thepayeeisthepartytoreceivepayment.Heisthefirstcreditortothebillandthefirstlegalowneroftheinstrument
國(guó)際商務(wù)英語(yǔ)Chapter5BillofExchange課件25OtherParties
EndorserAnendorserisapayeeoraholderwhosignshisnameonthebackofabillforthepurposeofnegotiation.
EndorseeAnendorseeisthepartytowhomtheinstrumentistransferred.Hebecomesthenewholdertotheinstrumentandisthecreditortotheinstrument.Anendorseecanalsobecomeanendorserifhewishestotransfertheinstrumenttoanotherpartybysigninghisnameonitsback.OtherPartiesEndorser26AcceptorforhonorAnacceptorforhonoristhepersonwhohimselfisnotaliablepartytoabillofexchangebutwiththeconsentoftheholdermayinterveneandacceptthebillintheeventthatthebillisdishonoredbynon-acceptance.GuarantorAguarantorisanotherthirdpartywhoguaranteestheacceptanceandthepaymentofabillofexchange.Acceptorforhonor27HolderAholderisapartywhoisinpossessionoftheinstrument.Aholdercanbethepayee/bearerortheendorsee.HolderforvalueHolderinduecourseHolder28ActsofBillofExchangeTheactsofabillofexchangerefertothelegalactscarriedouttobeartheobligationstoadraft.Themainactofwhichistoissue.Inbroadsense,theactsalsoincludepresentment,payment,paymentforhonor,dishonor,protestandtheexerciseofrightrecourse.ActsofBillofExchangeTheac29
IssueToissueadraftcomprisestwoactstobeperformedbythedrawer.Oneistodrawadraftandsignit;theotheristodeliverittothepayee.EndorsementEndorsementismadeonthebackofabillofexchange.Itisanactofnegotiation.Issue30FourKindsofEndorsementSpecialendorsement(Endorsementinfull)BlankendorsementRestrictiveendorsementConditionalendorsementFourKindsofEndorsementSpe31
PresentmentPresentment/Presentationistobemadebytheholdertothepersondesignatedasdraweeforpaymentifitisasightbillandforacceptanceandpaymentifitisatimebill.Billsmustbepresentedforacceptanceonthefollowingoccasionsandfailuretodosowillmaketheholderlosetherightofrecourseagainsthispriorparties.Presentment32AcceptanceAcceptanceofabillisthesignificationbythedraweeofatimebillofhisassenttotheorderofthedrawer.Thedraweehasnoliabilityonthebilluntilhesignsthebillinsuchawayastosignifyacceptanceofliabilitytopaythemoneystatedinthebill.Acceptance33PaymentTheultimatepurposeforabillofexchangeistogetpaid.Paymentiscarriedoutwhenthebillispaid.Paymentofasightbillismadewhenthebillispresentedtothedraweeandpaymentofatimebillismadeatmaturity.Payment34
DishonorDishonorisafailureorrefusaltomakeacceptanceorpaymentofabillofexchangewhenpresentedtothedrawee.Abillofexchangemaybedishonoredeitherbynon-acceptanceorbynon-payment.Whenabillisonlyofferedaqualifiedacceptance,theholdermaytakeitasdishonoredbynon-acceptance.Otherinstancesofdishonormayarisewhen
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