國(guó)際結(jié)算-教學(xué)課件-Chapter-3

Chapter3

Chapter31Part1:BillofExchange定義匯票樣本要素（9）Part1:BillofExchange定義2匯票是由出票人向另一人簽發(fā)的，要求即期、定期或在可以確定的將來的時(shí)間，向某人或其指定人或來人無條件地支付一定金額的書面命令。

Abillofexchangeisan__________________________,addressedby________to________,signedbythepersongivingit,requiringthepersontowhomitisaddressedtopay__________orata_____or________________________asum_______inmoneytoortotheortothe________.unconditionalorderinwritingdrawerdraweeondemandfixeddeterminablefuturetimecertainorderofaspecifiedpersonbearer匯票是由出票人向另一人簽發(fā)的，要求即期、定期或在可以確定的將3⑴Nature:unconditionalorderinwriting⑵Basicthreeparties⑶Tenor⑷AmountHowtorememberthedefinitionofabillofexchange?drawerdraweepayeeondemand/atsightfixedfuturetimedeterminablefuturetimeamountinfiguresamountinwords⑴Nature:unconditionalorderi4ExchangeforUSD25,000Shanghai,March19th,2001AtsightpaytotheorderoftheBankofChinathesumoftwenty-fivethousandUSdollarsonlyValuereceived

ToTheCitiBankForChinaNationalChemicalsImport&ExportNewYork,N.Y.U.S.A.Corporation,S.B.

(signature)

Sample1SightDraft即期匯票ExchangeforUSD25,0005

①

⑤

③

ＥＸＣＨＡＮＧＥforGBP5000,00Beijing,5th,April

④

②

⑦

At

90daysaftersightpaytoCCo.ororder

⑤

thesumof

fivethousandpounds

⑥

⑧

TOBankofEurope

ＦＯＲ

ACompanyLondon

Beijing

⑧

ＳＩＧＮＡＴＵＲＥ

───────ACCEPTED12THApril,19-PayableatMidlandBankLtd.LondonForBankofEurope,Londonsigned8prerequisiteitemsacceptanceDue11thJuly,19-90daysaftersightTenorDraft遠(yuǎn)期匯票Sample2

6

Essentialsofabillofexchange

匯票的基本項(xiàng)目(必要項(xiàng)目)Theword“Exchange”匯票字樣Anunconditionalorderinwriting無條件支付命令

Nameandaddressofthedrawee付款人名稱地址Drawer’ssignature(s)出票人簽名DateandplaceofIssue出票時(shí)間地點(diǎn)Nameorbusinessentityofthepayee收款人名稱Tenor付款期限Placeofpayment付款地點(diǎn)Amount金額Essentialsofabillofexcha7Unconditional?附帶條件的支付命令（如貨與合同相符）使用一種特殊資金去支付的命令命令連接著發(fā)生交易的稱述

無效無效有效Unconditional?附帶條件的支付命令（如貨與合同8收款人名稱:1.限制性抬頭:PaytoJohnDavidsonlyPaytoJohnDavidsnottransferable2.指示性抬頭:PaytotheorderofABCCo.3.來人抬頭Paytothebearer匯票上收款人的記載:收款人名稱:1.限制性抬頭:匯票上收款人的記載:9*Sightbill:Payondemand*Timebill:atafixedfuturetimedeterminablefuturetimeTenor期限*Sightbill:Payondemand10計(jì)算到期日a.“At____daysaftersight/date”

算尾不算頭;期之末日付款；假日順延；

At60daysaftersight,acceptancedateis15,May.

見票日即承兌日計(jì)算到期日a.“At____daysaftersig11

16,May31,May，16days；

1,June30,June，30days；

60－46＝１４，

thematuritydateis14,July.At60daysaftersight,acceptancedateis15,May.16,May31,May，16day12計(jì)算到期日b.“At_____month(s)aftersight/date”

月為日歷月；月之同日為到期日，無同日即月之末日;假日順延。計(jì)算到期日b.“At_____month(s)afte13b.“at_____month(s)after”

Atonemonthafter15December：15December15th,JanuaryAtonemonthafter31January:onemonth31,January28,Februaryonemonth月為日歷月；月之同日為到期日，無同日即月之末日;假日順延。b.“at_____month(s)after”14c.“At____daysfromsight/date"At30daysfromdate,dateofissueis1,March

1,March

30days30,Marchc.“At____daysfromsight/date159.Amount金額asumcertaininmoney*theamountinwordsmustbeequaltotheamountinfigures;*interestclause;*installmentclause;*onecurrencyconvertedtoanothercurrencyequivalent付款次數(shù)每期付款金額付款時(shí)間9.Amount金額asumcertaininm16(1)PaytotheorderofAco.thesumoffivethousand

USdollarsplusinterest.Makechoiceofwhetherthefollowingbillsareacceptableornot.MarkXbeforeacceptableorunacceptableyouchoosed.Explainthereasonhowdoyoumakechoice?Itis□acceptable/□unacceptableX(1)PaytotheorderofAco.t17

(2)PaytotheorderofAco.thesumoffivethousandUSdollarsplusinterestcalculatedattherateof

6%perannumfromthedatehereoftothedateofpayment.

Itis□acceptable/□unacceptableXItis□acceptable/□unacceptab18(3)PaytotheorderofAco.thesumoffivethousandUSdollarsplusinterestcalculatedattherateof10%.

rateof10%日內(nèi)瓦統(tǒng)一票據(jù)法規(guī)定：起算日為出票日，終止日為付款日(3)PaytotheorderofAco.19（4）At30daysafterdatePaytotheorderofACo.thesumoffivethousandUSdollarsbytenequalconsecutivemonthlyinstallments.Itis□acceptable/□unacceptableX（4）At30daysafterdatePayt203.2.3ActsofbillofExchangeIssuance出票Endorsement背書Presentment提示Acceptance承兌Payment付款Dishonor退票NoticeofDishonor退票通知3.2.3ActsofbillofExchange21

Protest拒絕證書Rightofrecourse追索權(quán)Acceptanceforhonor（supraprotest）參加承兌Paymentforhonor（supraprotest）參加付款Guarantee擔(dān)保或保證Discounting貼現(xiàn)Protest拒絕證書22drawerTodraw,signanddeliverdrawee

1.Issuance出票drawerTodraw,signdrawee

232.Endorsement背書Prerequisites必備條件SignbytheendorseronthebackofthebillMadeforthewholeamountofthedraft只有收款人或被背書人才能有權(quán)背書匯票2.Endorsement背書Prerequisi24EndorsementBlankendorsement空白背書Specialendorsement特別背書Restrictiveendorsement限制背書Conditionalendorsement帶有條件背書EndorsementBlankendorsement25.Blankendorsement

空白背書又稱不記名背書，即不記載被背書人名稱，只有背書人的簽字。當(dāng)匯票經(jīng)空白背書后，交付轉(zhuǎn)讓給一個(gè)不記名的受讓人，他與來人抬頭匯票的來人相同，可以不需背書，僅憑交付再行轉(zhuǎn)讓。因?yàn)槭茏屓藳]有在匯票背面簽字，所以對(duì)匯票不承擔(dān)責(zé)任。.Blankendorsement空白背書又稱不記26EXCHANGEforGBP5,000.00

London,1April,2003At60daysaftersightpaytotheorderofBankofAustraliathesumoffivethousandpounds.ToTheImportingCo.,ForTheExportingCo.,LondonMelbourne(signature)EXCHANGEforGBP5,000.00L27

Thepayee’sLondonOfficewanttotransferthebilltoBankofNewZealand,Auckland,pleasemakeablankendorsement.ForBankofAustralia,London

signatureThepayee’sLondonOffice28Specialendorsement

特別背書又稱記名背書，需要記載“支付給被背書人名稱的指定人”字樣，并經(jīng)背書人簽字。Specialendorsement特別背書又稱記名29ABCDEFDrawerPayeeSecondendorserThirdendorserLastholderDraweeGoodsServiceBCDEDebtABCDEFDrawerPayeeSecondThirdL30Havingmadeanendorsementinblank,theholdersendthebilltoBankofNewZealand,Auckland,whowishestoconvertthisblankendorsementintoaspecialendorsementtothemselves.PaytotheorderofBankofNewZealand,AucklandForBankofAustralia,LondonsignatureHavingmadeanendorsementin31RestrictiveendorsementPaytoABankonlyPaytoABankforaccountofXYZCo.PaytoABanknottransferablePaytoABanknottoorder禁止背書人把匯票再行流通轉(zhuǎn)讓，他只能憑票取款。RestrictiveendorsementPayto32Restrictiveendorsement

Thepayee’sLondonOfficeWishestransferthebilltoBankofNewZealand,Auckland,pleasemakearestrictiveendorsement.PaytoBankofNewZealand,AucklandonlyForBankofAustralia,LondonsignatureRestrictiveendorsementThe33Conditionalendorsement

開出匯票必須是無條件的支付命令，作成背書卻是可以帶有條件的。附帶條件僅僅對(duì)背書人和被背書人有著約束作用，它與付款人、出票人無關(guān)。帶有條件背書實(shí)際上是指背書行為中的交付，只有在條件完成時(shí)方可把匯票交給被背書人。當(dāng)匯票向付款人提示要求付款時(shí)，付款人不管條件是否履行，可以照常付款給持票人，匯票即被解除責(zé)任。Conditionalendorsement開出匯票34Conditionalendorsement

Iftheconditionis“ondeliveryofB/LNo.125”pleasemakeaconditionalendorsement.

PaytotheorderofBankofNewZealand,AucklandondeliveryofB/LNo.125ForBankofAustralia,London

signatureConditionalendorsementIft35

持票人將匯票提交付款人要求承兌或要求付款的行為叫提示。即期匯票提示幾次？遠(yuǎn)期匯票提示幾次？

3.Presentment提示持票人將匯票提交付款人要求承兌或要求付款的行為叫提示36*

Payondemand*atafixedfuturetime*determinablefuturetime

3.Presentment提示Present

forpayment

PresentforacceptanceThedifferentpresentationdecidedbythetenorofadraft.匯票期限的不同決定了提示方式的差異*Payondemand3.Presentment37

TimeBill:TwopresentationPresentforacceptancePresentforpaymentHolderExchangeforGBP1,250.00Beijing,1April,2003At90daysaftersightpaytotheorderofDEFCo.thesum

ofPoundsonethousandtwohundredandfiftyonlyToXYZBank,ForABCCo.,BeijingLondon(signature)

DraweeHolderExchangeforGBP1,250.00Beijing,1April,2003At90daysaftersightpaytotheorderofDEFCo.thesum

ofPoundsonethousandtwohundredandfiftyonlyToXYZBank,ForABCCo.,BeijingLondon(signature)

DraweeDateofissue法定期限D(zhuǎn)ateofacceptanceDateofmaturityTimeBill:TwopresentationP383.Presentment提示1)Whileabillispayableondemand,presentmentforpaymentisenough,andthebillispaidonpresentment.2)Whileabillispayableaftersight,presentmentforacceptanceisnecessaryinordertofixthematurityoftheinstrument,thenpresentmentforpaymentmustbealsomadeatthematurity.3.Presentment提示1)Whileabil394.Acceptance

承兌意指遠(yuǎn)期匯票的付款人簽名表示同意按照出票人命令而付款的票據(jù)行為。付款人承兌匯票后變成承兌人，他的簽名表明他已承諾付款責(zé)任。

“Accepted”字樣并簽字

將已承兌匯票交給持票人：承兌行發(fā)出承兌通知書

4.Acceptance承兌意指遠(yuǎn)期匯票40

Refertotheabovebill,abankdesignatedaspayerisBankofMelbourne,Melbourne.Dateofacceptanceis10April,2003.pleasemakeacceptanceofsuchbillindicatingitsmaturity.Refertotheabovebill,aba41ACCEPTED10April,2003tomature9June,2003PayableatBankofMelbourne,MelbourneForImportingCo.MelbournesignatureACCEPTED425.PaymentTheactofpaying/moneypaid即期匯票提示日期即為付款到期日,見票后若干天付款的遠(yuǎn)期匯票從承兌日推算到期日。持票人在到期日提示匯票，經(jīng)付款人或承兌人正當(dāng)?shù)馗犊钜院螅瑓R票即被解除責(zé)任。5.PaymentTheactofpaying43正當(dāng)?shù)馗犊?/p>

paymentinduecourse關(guān)于付款人：要被付款人或承兌人付款，而不是出票人或被背書人支付。關(guān)于付款日期：要在到期日那天或以后付款，而不能在到期日以前付款。關(guān)于收款人：要付款給持票人，意指匯票如被轉(zhuǎn)讓，前手背書必須是連續(xù)和真實(shí)。善意的付款，不知道持票人的權(quán)利有何缺陷。付款人按照專業(yè)慣例，盡了專業(yè)職責(zé)，利用專業(yè)信息都不知道持票人權(quán)利上有何缺陷而付款者，即為善意付款。正當(dāng)?shù)馗犊?/p>

paymentinduecourse關(guān)于付44PaymentinduecourseAbillisdischargedbypaymentinduecoursebythedraweeortheacceptor.“Paymentinduecourse”meanspaymentmadeatorafterthematurityofthebilltotheholderthereofingoodfaithandwithoutnoticethathistitletothebillisdefective.PaymentinduecourseAbilli45

Due9Oct.,2003EXCHANGEforHKD10,000.00

HongKong,10Aug.,2003At60daysafterdatepaytoCCo.ororder,thesumofHongKongdollarstenthousandonlyToBBank,HongKongForACo.,HongKong

(signature)

46paymentinduecourseTheabovebillwasacceptedon12AugustbyBBank,HongKong.PaymentinduecourseforsuchbillmeansthesumofHKD10,000.00paidbyBBank,atoraftermaturity,i.e.9Oct.totheholder,i.e.CCo.ingoodfaithandwithoutnoticethatCCo’stitletothebillisdefective.paymentinduecourseTheabove47paymentinduecourse？IfCCo.presentedthebillon8Oct.forpayment,BBank,HongKongpaiditaccordingly,itisn’tpaymentinduecourse.paymentinduecourse？IfCCo.48paymentinduecourse？IfCCo.lostthebillwhichwaspickedupbyDwhohasforgedCCo’sendorsementandpresenteditforpayment10Oct.,BBank,HongKongdidnotcheckendorsementandpaidDaccordingly,itisn’tpaymentinduecourse.paymentinduecourse？49paymentinduecourse？IfCCo.lostthebillwhichhadbeenendorsedinblank,andthenitwaspickedupbyDwhopresentitforpayment.BBank,HongKongwithoutnoticethatDhaspickedupthebill,paidhimon10Oct.,itispaymentinduecourse.paymentinduecourse？IfCCo.50paymentinduecourse？IfBBank,HongKongwascalledbytelephonethatCCo.haslostthebill,BBankstillpaidittoDon10Oct.,itisn’tpaymentinduecourse.paymentinduecourse？IfBBan516.Dishonour

Dishonourbynon-acceptance:

Tofailtoacceptabillofexchange

Dishonourbynon-payment:tofailtopayabillofexchange6.DishonourDishonourbyno527.Noticeofdishonor退票通知的目的是要匯票債務(wù)人及早知道拒付之事，以便做好準(zhǔn)備。7.Noticeofdishonor退票通知的目的53ABCDEFDrawerPayeeSecondendorserThirdendorserLastholderdraweeGoodsServiceBCDEABCDEFDrawerPayeeSecondThirdL548.Protest是由拒付地點(diǎn)的法定公證人作出的證明拒付事實(shí)的文件。8.Protest是由拒付地點(diǎn)的法定公證人作出的證明拒559.rightofrecourseTheholdermayexercisehisrightofrecourseonlywhenhehascompletedthefollowingprocedures:Presentthebilltodraweeforacceptanceand/orpayment,anditisdishonouredbynon-acceptance/non-payment.9.rightofrecourseTheholder56Givenoticeofdishonourtohispriorpartyinonebusinessdayfollowingthedayofdishonour.Makeaprotestfornon-acceptanceornon-paymentinonebusinessdayfollowingthedayofdishonour.Givenoticeofdishonourtohi57ThreesignaturesThreesignaturesrepresentingthreeactsofinstrumentsareasfollows:Asignaturealoneonthefrontoftheinstrumentotherthanthatofthedrawerand/ordraweeisanguarantee.ThreesignaturesThreesignatur58ThreesignaturesAsignaturealoneofthedraweeonthefrontoftheinstrumentisanacceptance.Asignaturealoneonthebackoftheinstrumentotherthanthatofthedraweeisanendorsement.ThreesignaturesAsignatureal59guaranteeApromisemadebyathirdparty(guarantor),whoisnotapartytoacontractbetweentwoothers,toacceptliabilityifoneofthepartiesfailstofulfillthecontractualobligations.Forexample,abankmaymakealoantoaperson,providedthataguarantorispreparedtorepaytheloaniftheborrowerfailstodoso.Thebankermayrequiretheguarantortoprovidesome

securitytosupporthisguarantee.Seealsobankguarantee.

guaranteeApromisemadebyat60GuaranteeToprovidegreaterpaymentsecurityasellermaylooktohaveaBillofExchangeguaranteedbyabuyer'sbank.AguaranteedBillofExchangeisonedrawnonandacceptedbythebuyerandtowhich,thebuyer'sbankhasaddeditsguaranteethattheBillwillbepaidatmaturity.Thesecuritytoasellercomesfromabankgivinganundertakingtoeffectpaymentonacertaindateregardlessofthefinancialstandingofabuyeronthatdate.GuaranteeToprovidegreaterpa61guaranteeAbillforUSD30,000.00isdrawnbyMistuiCo.Ltd.,OsakaonChinaNationalTextilesImp.&Exp.Corp.,TianjinBranchpayableatsixmonthsaftersighttotheorderofourselvesanddated4July,2003whichneedsanactofinstrumentguaranteeinaccordancewiththefollowingitems:guarantee62guaranteeThepersonguaranteed:draweeGuarantor:BankofChina,TianjinDate:15July,2003Pleasemakesuchguaranteeaccordingly.guarantee63GUARANTEEForaccountof:ChinaNationalTextilesImp.&Exp.Corp.,TianjinBranchGuarantor:BankofChina,Tianjin

signatureDate:15July,2003GUARANTEE64DiscountDiscountmeanstheamountofdeductioncalculatedatanagreedrateperannumwhichisallowedforimmediatepaymentoftheamountofanacceptedtimebillwhichhasstillaperiodtorunbeforeitsmaturity.Thematurityvalueissameasnetproceedswhichisequaltofacevalueminusdiscountamount.DiscountDiscountmeanstheamo65facevalue:USD7,000.00soldfor:USD6,500.00thisbillofexchangeisbeingsoldatadiscount.Theholderofanacceptedbillhastwooptions:Hecanholdthebilluntilitmatures.:Mr.Jonescanwaitforhismoney.Hecansellitatadiscount.:Mr.Smithneedsmoneyimmediately;:Mr.Robertwantstobepaidthefaceamountofthetimebill.

facevalue:USD7,000.0066

Due9Oct.,2003EXCHANGEforHKD10,000.00

HongKong,10Aug.,2003At60daysafterdatepaytoCCo.ororder,thesumofHongKongdollarstenthousandonlyToBBank,HongKongForACo.,HongKong

(signature)

67Asthedraweeoftheabovebillisnotabanker,thepayeerequestedthatacceptancemadebythedraweemustdesignatehisaccountwithbankaspayerinordertoaskthatbanktodiscountthisbill.Incompliancewiththerequest,draweehasmadeacceptanceasabove.Supposethebillwasdiscountedon6Oct.byBarclaysBankLtd,Londonattherateof9%perannum.Ayearcontains365basicdays.Pleasecalculatediscountamountandnetproceeds.國(guó)際結(jié)算-教學(xué)課件-Chapter-368Discountamount:100,000.00*120/365*9%=2,958.90netproceeds:100,000.00*(1-120/365*9%)=100,000.00-2,958.90=97,041.10國(guó)際結(jié)算-教學(xué)課件-Chapter-369

Due9Oct.,2003EXCHANGEforHKD10,000.00

HongKong,10Aug.,2003At60daysafterdatepaytoCCo.ororder,thesumofHongKongdollarstenthousandonlyToBBank,HongKongForACo.,HongKong

(signature)

70exerciserefertotheabovebill,attherequestoftheholder,thebill,wasacceptedanddiscountedon12AugustbyBbank,HongKongDiscountatrateof8%perannum.Ayearcontains360basicdays.exercise71protest

Acertificatesignedbyanotarypublicattherequestoftheholderofabillofexchangethathasbeenrefusedpaymentoracceptance.Itisalegalrequirementafternotingthebill(Seealsoacceptancesupraprotest).Thesameprocedurecanalsobeusedforapromissorynotethathasbeendishonoured.

protestAcertificatesignedb72acceptanceforhonourTheacceptanceorpaymentofabillofexchange,afterithasbeendishonoured,byapersonwishingtosavethehonourofthedraweroranendorserofthebill.

acceptanceforhonourTheaccep73noting

Theprocedureadoptedifabillofexchangehasbeendishonouredbynon-acceptanceorbynon-payment.Notlaterthanthenextbusinessdayafterthedayonwhichitwasdishonoured,theholderhastohandittoanotarypublictobenoted.Thenotaryre-presentsthebill;ifitisstillunacceptedorunpaid,thecircumstancesarenotedinaregisterandalsoonanotarialticket,whichisattachedtothebill.Thenotingcanthen,ifnecessary,beextendedtoaprotestnotingTheprocedureadoptedi74Acceptanceforsb’sHonourTheactofapersonwhoisnotapartytoadishonouredbillbutwho,asakindness,acceptsitinordertoperservethehonourofthedebtorAcceptanceforsb’sHonourThe75Paymentforsb’sHonourTheactofaperson,otherthanthedebtor,whopaysadishonouredbillofexchangeafterithasbeenprotested,inordertoprotectthehonourofthedebtor.Inpayingithemustarrangeforanotrarytodrawupandattest(witess)aformaldocumentcalledanotrarialactofhonourwhichmustatateforwhosehonourthebillhasbeenpaid;thisdocumentmustbefastenedtotheprotest.Paymentforsb’sHonourTheact76ThefunctionoftheBillofExchangeinInternationalTradeTheBillofExchangeperformsmanyfunctionsininternationaltradeincluding:1.Facilitatesthegrantingoftradecreditinalegalformatbypermittingpaymentsonagreedfuturedates.ThefunctionoftheBillofEx77ThefunctionoftheBillofExchangeinInternationalTrade2.Providesformalevidenceofthedemandforpaymentfromasellertoabuyer.3.ProvidesthesellerwithaccesstofinancebypermittingthemtotransfertheirdebtstoabankorotherfinancierbymerelyindorsingtheBillofExchangetothatbankorfinancier.ThefunctionoftheBillofEx78ThefunctionoftheBillofExchangeinInternationalTrade4.Permitsthebankerorfinanciertoretainavalidlegalclaimonboththebuyerandtheseller.IncertaincircumstancesabankorfinanciermayhaveastrongerlegalclaimunderaBillthanthepartythatsoldthemthedebt.ThefunctionoftheBillofEx79ThefunctionoftheBillofExchangeinInternationalTrade5.Permitsasellertoobtaingreatersecurityoverthepaymentbyenablingabanktoguaranteeadrawee'sacceptance(guaranteetopayontheduedate)bysigningorendorsingtheBill.(SeeGuaranteedBillsofExchangebelow)ThefunctionoftheBillofEx80ThefunctionoftheBillofExchangeinInternationalTrade6.Allowsasellerprotecttheiraccesstothelegalsystemintheeventofproblems,while

providingeasieraccesstothatlegalsystem.ThefunctionoftheBillofEx81AdvantagesofBillsofExchangeCompanieshaveusedBillsofExchangeforhundredsofyears.Theirlongevityisduetotheadvantagestheyprovideinatradingtransaction.AdvantagesofBillsofExchang82AdvantagesofBillsofExchange1.ABillofExchangefacilitatesthegrantingoftradecredittoabuyer.2.ABillofExchangeprovidesalegalacknowledgementthatadebtexists.AdvantagesofBillsofExchang83AdvantagesofBillsofExchange3.Itcanprovidethesellerwithaccesstofinancing.4.Itcanprovideeasyaccesstothelegalsystemsintheeventofnon-payment.AdvantagesofBillsofExchang84LegalProtectionaffordedbyBillsofExchangeAnadvantageforasellerLegalProtectionaffordedbyB85LegalProtectionaffordedbyBillsofExchangeAnadvantageforasellerinusingaBillofExchangeisthecapabilityoftheBillofExchangetoprovideformaldocumentaryevidencethatthedemandforpaymentoracceptancehasbeenmadetothebuyer.Inaddition,itmaybepossibletosuethebuyerfornon-paymentbasedsolelyonthisdocumentaryevidence.LegalProtectionaffordedbyB86LegalProtectionaffordedbyBillsofExchangeAsellercanprotecttheirinterestsbyrequestingthataBillofExchangebenotedorprotestedfornon-paymentornon-acceptance.WhenaBillisnotpaidoraccepteditissaidtohavebeen"dishonoured".LegalProtectionaffordedbyB87kindsofbillsofexchangeBanker’sDraft:abillpayableondemanddrawnbyabankonitselfandsignedbyoneofitsresponsibleofficials.TradeBill:oneusedintradeorinpayingforgoodsbought.kindsofbillsofexchangeBank88kindsofbillsofexchangeBanker’sAcceptanceBillTrade’sAcceptanceBillkindsofbillsofexchangeBank89kindsofbillsofexchangeSightdraft/demanddraft:onepayableatsightoronpresentationonwhichitwasdrawn.Timebill/Usancebill:onewhichispayableatafixedorstatedtime.kindsofbillsofexchangeSigh90kindsofbillsofexchangeCleandraft:onewhichhasnospecialconditionsoranydocumentsjoinedtoit,esp.onewhichisabankbill.Documentarybill:onewhichisfastenedtoshippingdocumentssuchasbilloflading,insurancepolicy,invoice,dockwarrant,etc.kindsofbillsofexchangeClea91Abillhasthreebasicpartiesi.e.drawer,draweeandpayee,twopartiesofthemaresituatedindifferentcountries,itiscalledaninternationalbillofexchange.Ifthreepartiesaresituatedinasamecountry,itiscalledadomesticbillofexchange.國(guó)際結(jié)算-教學(xué)課件-Chapter-3923.1.3Partiestoanegotiableinstrument1.drawer出票人2.drawee受票人(付款人)3.Payee收款人4.Acceptor承兌人5.Endorser背書人6.Endorsee被背書人7.acceptorforhonor參加承兌人（實(shí)務(wù)中很少出現(xiàn))8.Guarantor保證人9.Holder持票人10.holderforvalue付對(duì)價(jià)持票人11.Holderinduecourse正當(dāng)持票人3.1.3Partiestoanegotiable93ThegeneralprocedureofabillofexchangeThegeneralprocedureofabil94(1)Drawer:出票人Thepersonwhodrawsabillofexchangeoracheckupon/onthedraweeforthepaymentofacertainamountofmoney.debtor(1)Drawer:出票人Thepersonwhodr95(2)Drawee/Payer:受票人/付款人Thepersonuponwhomabillofexchangeoracheckisdrawn.Debtor?Draweeisnotacertaindebtor,becausehe/shedoesnotsignhis/hernameonthebillofexchange.

(2)Drawee/Payer:受票人/付款人Theper96(3)Payee:收款人Thepersontowhoseorderthedraweeistomakepaymentortowhomthemoneyistobepaid.Creditor*hastherighttopresentforpayment/acceptance*hastherighttotransfertheinstrumenttoanotherpersonThepayeeisthefirstendorserinainstrument(3)Payee:收款人Thepersontowhos97(4)Acceptor:承兌人Thedraweeinusancedraftagreestomakepaymentbysigninghisnameonitsface.Debtordraweeofanacceptedusancedraft=acceptor(4)Acceptor:承兌人Thedraweeinu98(5)Endorser:背書人Thepayeeoraholder*signshisnameonthebackofaninstrument匯票背面簽名*forthepurposeoftransferringittoanotherone轉(zhuǎn)讓票據(jù)（權(quán)利）Debtor(5)Endorser:背書人Thepayeeora99(6)Endorsee:被背書人Thepersontowhomaninstrumentisendorsed.Creditor(6)Endorsee:被背書人Thepersonto100(7)Acceptorforhonor:參加承兌人Thepersonwhohimselfisnotapartyliable

onabillofexchangebutwiththeconsentoftheholdermayinterveneandacceptthebil