国际结算chapter-2(3)-promissory-note-and-check

1ChaptertwoNegotiableInstruments2思考•马莉大学毕业后进入一家贸易公司工作，在公司的一笔销售贸易中，买货的客户提出支付一张3个月的银行本票给马莉所在公司，马莉公司的老板却拒绝接受，为什么？•老板派马莉去对方公司拿支票，对方公司出纳问马莉要转帐支票还是现金支票？马莉该要什么支票呢？她应该检查支票上的哪些内容才能接受这张支票呢？31.Whatisapromissorynote?什么是本票？Apromissorynoteisanunconditionalpromiseinwritingmadebyoneperson(themaker)toanother(thepayeeortheholder)signedbythemakerengagingtopayondemandoratafixedordeterminablefuturetimeasumcertaininmoneytoortotheorderofaspecifiedpersonorbearer.4PromissoryNotePromissoryNoteNewYork,April1,2001ForUSD99,999.00Onthe20thJune2001fixedbythepromissorynotewepromisetopayBAthesumofninety-ninethousandninehundredandninety-nineUSDollarsonly.ForandonbehalfofCD(signed)5PromissoryNote6PromissoryNote2.Essentialstoapromissorynote(1)thewords“promissorynote”clearlyindicated(2)anunconditionalpromisetopay(3)nameofthepayeeorhisorder(4)maker’ssignature(5)placeanddateofissue(6)periodofpayment(7)acertainamountofmoney(8)placeofpayment7PromissoryNoteNotes:Accordingtothelawofchina:Apromissorynotemeansabanker'snote.Iftheplaceofpaymentisnotspecified,thebusinesspremisesofthemakeristheplaceofpayment;iftheplaceofissueisnotspecified,thebusinesspremisesofthemakeristheplaceofissue.Thetimelimitforthepaymentofapromissorynoteshallnotexceedtwomonthsfromthedateofissue.8Check(Cheque)1.Whatisacheck?Acheckisanunconditionalorderinwritingaddressedbythecustomer(thedrawer)toabank(thedrawee)signedbythatcustomerauthorizingthebanktopayondemandaspecifiedsumofmoneytoortotheorderofanamedpersonortobearer(thepayee).91919年的英国支票10CheckCheckforUSD10,000.00Shanghai,May4,2001PaytotheorderofJohnSmiththesumoftenthousandUSDollarsonlyTo:BankofChina,ForChinaNationalArts&CraftsShanghai,ChinaImport&ExportCorp.(Signed)11Check2.Essentialstoacheck(1)theword“check”or“cheque”clearlyindicated;(2)anunconditionalorderinwriting;(3)nameofthepayingbank;(4)drawer’ssignature;(5)placeanddateofissue;(6)addressofthepayingbank;(7)asumcertaininmoney;(8)nameofthepayee(thisisnotnecessary.Accordingtothelawofchina,thenameofthepayeemaybecompletedbythedrawer'smandate.)12Check3.Rubbercheck/chequeandBlankcheck/cheque空头支票和空白支票（1）Rubbercheck空头支票Ifthesumspecifiedonachequesignedandissuedbythedrawerexceedstheactualbalanceofthedrawer'sdepositinthepayingbankatthetimeofpayment,thechequeisarubbercheque.Therubberchequeisprohibited.(2)Blankcheck空白支票Ifsomeessentialsaremissing(forexampletheamount、thenameofthepayee、thedateofissue)inacheck,itisablankcheck.13Check4.Crossedchecks划线支票（1）meaningAcrossingisineffectaninstructiontothepayingbankfromthedrawerorholdertopaythefundtoabankonly.Hence,suchcheckswillnotbepaidoverthecounterofthepayingbankandmustbepresentedforpaymentbyacollectingbank.14Check(2)Generalcrossing普通划线Itmustbedepositedintoabankaccountforclearing.notnegotiableaccountpayeenotnegotiablea/cpayee15Check(3)specialcrossing特别划线Thenameofabankisindicatedbetweentwoparalleltransverselines,andonlythebankmentionedinthecheckcanreceivepaymentfromthedraweebank.ABCbankICBCBankforcollectionA/CPayeeBOCBank16Check5.CashchequeandTransfercheque:现金支票和转帐支票Acashchequecanbecashed.Atransferchequecanonlybetransferredtoanother'saccount,andshallnotbepaidincash.17Check18Check19Billofexchange,Promissorynote,CheckThedifferencesamongbillofexchange,promissorynoteandcheck(1)isanunconditionalordertopay;whereasisapromisetopay.(2)basicparties:(3)thepartyprimarilyliable:(4)theactofacceptance:20CasestudyCaseI:1995年12月24日，合作公司与香港商人陈某约定：合作公司用400万港元从陈某手中购买香港某银行开出的050760号和050767号本票两张，金额分别为260万和240万港元。陈某在上述两张本票的收款人空白栏内填入合作公司后，合作公司当日即持票到某工商银行办理兑付。由于该行与香港某银行无直接业务关系，便建议合作公司到某中国银行办理兑付。同月25日，某工商银行与合作公司一起到某中国银行办理兑付业务。某中国银行（是香港某银行在海外的联行）审查后，认为该两张本票票面要件相符，密押相符，便在本票上盖了“印押相符”章，合作公司与某工商银行分别在两张本票后背书鉴章。某中国银行即将500万元港币划入某工商银行帐内，某工商银行又将此款划入合作公司帐户。21Casestudy合作公司见款已入帐，在认为没有问题的情况下将400万元人民币划到陈某指定的帐户上。某中国银行工作人员在划出500万元港币汇帐后，便把两张本票留作存根归档，至1996年8月22日，有关人员在检查中发现后，方从档案中取出这两张本票，并向香港某银行提示付款。同月30日，某中国银行接到香港某银行的退票通知书称此两张本票系伪造，拒绝付款。某中国银行即日向某工商银行退回本票并说明理由，要求其将500万元港币归还。某工商银行接票后当日即函复某中国银行请求控制合作公司在某中国银行的港币帐户。此时陈某已不知去向。某中国银行以某工商银行与合作公司为共同被告提起诉讼。22Traveler’sCheck旅行支票1.whatisatraveler’scheck?Atraveler’scheckisaspeciallyprintedformofcheckissuedbyafinancialinstitution,leadinghotels,andotheragenciesinpreprinteddenominationsforafixedamounttoacustomerforusewhenheisgoingtotravelabroad.23Non-tradePaymentsandSettlements24Non-tradePaymentsandSettlements2.PartiesIssuer发行人Sellingagentoroffice售票代理人或售票行Purchaserorholder购票人或持票人Payingagent兑付代理人Transferee受让人25Non-tradePaymentsandSettlements3.Procedure结算流程（1）PurchaseInitialsignatureChecks’serialnumber（2）EncashmentCountersignature（3）Claims26Non-tradePaymentsandSettlements4.Advantages(1)Greatsafetyandconvenience(2)Wideacceptability(3)Notimelimit27CreditCard信用卡1.Whatisacreditcard?Ainstrumentissuedbybankstocarefullyselectedcustomerswithalineofcreditforuseinobtaining,oncredit,consumergoods,servicesandothernecessities.28Non-tradePaymentsandSettlements29Non-tradePaymentsandSettlements2.PartiesIssuingbankCardholderMerchant30Non-tradePaymentsandSettlements3.Procedure(1)Issuingcards(2)Settinguprelationswithmerchantsandauthorization(3)Clearingandse