Chapter2 Instruments of international settlementWord文档格式.docx
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如:
票据的转让过程中,不需要调查票据原因是否合理、合法。
3.Requisiteinform要式性
票据的形式必须符合法律规定,票据上的记载项目必须齐全并符合规定。
只有形式和内容都符合法律规定的票据,才是合格的票据。
4.Literallydeterminedcontent文义性
票据上权利的内容,完全依据票据上所记载的内容确定,不能进行任意解释或根据票据以外的其他文件来确定。
5.Presentingforpayment提示性
票据上的债权人请求债务人履行票据义务时,必须向付款人提示票据,才能请求付给票款。
持票人不提示票据,付款人不必履行付款义务。
★2.1.3Partiestoanegotiableinstrumentp27(HW)
1.出票人drawer
2.付款人payer/(受票人)drawee
3.收款人payee
4.承兑人acceptor
5.参加承兑人acceptorforhonor
6.背书人endorser
以转让为目的在汇票背面签章并交受让人的人
7.被背书人endorsee
背书的受让人
8.保证人guarantor
9.持票人holder
可能是收款人或最后的被背书人
10.holderinduecourse/bonafideholder正当持票人/善意的持票人
Theinstrumentshouldbecompleteandregularonitsface;
Theinstrumentisbeforematurityandtheholderdidnotnoticeitspreviousdishonor,ifany;
Theholdertookitingoodfaithandforvalue;
Theholderdidnotnoticeanyinfirmityintheinstrumentordefectinthetitleofthepersonnegotiatingit
11.holderforvalue付对价持票人
apersonwhopossessesaninstrumentforwhichvaluehasbeengivenbyhimselforbysomeotherpersonpriortohiminformsofmoney,goods,orservices.
2.1.4Negotiableinstrumentlaws
Britishlaw
UKBillsofExchangeActof1882
USUniformCommercialCodeof1962,Article3
FrenchandGermanlaw
UniformlawforBillsofExchangeandPromissoryNotesofGenevaof1930
ConventionProvidingaUniformLawforInternational
BillsofExchangeandInternationalPromissoryNotesandConventionProvidingaUniformlawforInternationalChecks
UnitedNations1988
NegotiableInstrumentLawofPeople’sRepublicofChina
2.2Billofexchange
2.2.1★Definitionofabillofexchange
section3.billofexchangeact.1882.UK
ABillofexchangeisanunconditionalorderinwriting,addressedbyoneperson(drawer)toanother(drawee),signedbythepersongivingit,requiringthepersontowhomitisaddressedtopayondemandoratafixedordeterminablefuturetimeasumcertaininmoneytoortheorderofaspecifiedpersonortobearer.
汇票的定义:
汇票是由一人向另一人签发的,要求立即或定期或在可以确定的将来时间对某人或他指定之人或持票人支付一定金额的书面无条件支付命令。
(英国票据法)
汇票是出票人签发的,委托付款人在见票时或在指定日期无条件支付确定金额给收款人或持票人的票据。
(我国票据法)
2.2.2★Contentsofabillofexchange
1.Requisiteitems必须记载项目
Requisiteitems
(一)
①Theword“exchange”
②Anunconditionalordertopay
“PaytotheorderoftheBankChinathesumofthirty-fivethousandUSdollars.”isavalidbillofexchange.
“PaytotheorderoftheBankChinathesumofthirty-fivethousandUSdollarswhentheship‘Dongfeng’reachestheportofNewYork.”
“WewouldbedelightedifyouwouldpaytotheorderoftheBankChinathesumofthirty-fivethousandUSdollars.”
Requisiteitems
(二)
③Afixedamountofmoney
1)Payableatafixedamount
2)Payablewithinterest
interestrateshouldbespecifiedtomaketheamount
certain.
e.g.“payableatUSDthreehundredplusinterestat5%p.a.”
3)Payablebyinstallments
installmentmustbeclearlystated
e.g.“Atonemonthafterdatepaytotheorderof***thesumoftwothousandUSdollarsbytenequalconsecutivemonthlyinstallments”
4)Payableaccordingtoanindicatedrateofexchange
rateofexchangemustbeindicated
5)Inmoney注明货币名称和金额,一般金额保留两位小数
Requisiteitems(三)
④Nameofthepayee收款人名称(汇票的抬头)
1)RestrictedOrder限制性抬头(不可转让)
abillpayabletoaspecifiedpersononlyortoaspecifiedpersonnotnegotiable/transferable
e.g.“payto***only”;
“nottransferable”
2)DemonstrativeOrder/indicativeorder指示性抬头(A为第一背书人)
abillpayabletoaspecifiedpersonorsomeotherpersondesignatedbyhim
e.g.“paytotheorderofA”;
“paytoA(ororder)”
3)Bearerorder来人抬头
anypersonholdingabearerordercanrequestpayment
e.g.“paytobearer”;
notsafe
《日》&
我国不允许以此种抬头开立汇票
⑤Dateofissue
todeterminetheexpirydateandpayingdate;
makesurewhetherthedrawerhasdisposingcapacity
⑥Nameofdrawee
⑦Thesignatureofthedrawer
withoutthesignatureofthedrawerorforgedsignaturemakesaninstrumentinvalid.
ifanindividualissigningforhiscompany,thesewords“For”,“Onbehalfof”,“Forandonbehalfof”and“Perpro”shouldprefixthenameofthecompany
e.g.
ForABCCO.,London
(Signature)
JohnSmith,Manager
2.Relativelynecessaryitems非必须项目
⑧Placeofissue
⑨Placeofpayment
⑩Tenor付款期限
thetimetoeffectpayment;
theduedateormaturitydate
indicatedas“ondemandoratafixedordeterminablefuturetime”
3.Itemsatwill可选项目
利息、利率及汇率(interest,interestandexchangerate)
提示期限(Limitoftimeforpresentation)
出票依据(DrawnClause)
免作退票通知或放弃拒绝证书(NoticeofDishonorExcusedorProtestWaived)
付一不付二
预备付款人(Refereeincaseofneed)
①BILLOFEXCHANGE
Exchangefor③USD15,277.00⑧Shanghai
⑤MARCH12005(Date)
⑩At
Sight
ofthisFIRSTofExchange(SecondofExchangebeingunpaid)②Payto④theorderof
BANKOFCHINA
thesumof③USDOLLARSFIFTEENTHOUSANDTWOHUNDREDANDSEVENTYSEVENONLY.
Valuereceived
⑥To:
HABIBBANKLIMITED
P.O.BOX888,
.
⑨DUBAI,U.A.E
SHANGHAITEXTILES
COMPANYLIMITED
方
之⑦
(AuthorizedSignature)
2.2.3Partiestoabillofexchangep34
(1)Thedrawer
(2)Thedrawee
(3)Thepayee
(4)Acceptor
(5)Endorser
(6)Endorsee
(7)Holder
(8)Discounter
(9)Guarantor
Holder
Holderforvalueistheholderofabillforwhichvaluehasbeengiveneitherbyhimselforbyhispriorparties;
enjoysthesamerightsbutissubjecttothesamedefectsintitle,ifany,ofthetransferor.
Holderinduecoursereferstoapersonwhoobtainstheinstrumentthroughgivingthevaluebyhimself;
hisrightsoverthebillwillnotbeaffectedbythetitledefectsofhisdirectpriorparty.
2.2.4Classificationofabillofexchange
1.Accordingtothetenor
Demanddraft/sightdraft
Time/usancedraft
Payableatafixedtimeaftersight(theacceptingdate)
Payableatafixedtimeafterdate(theissuingdate)
Payableatafixedfuturedate/deferredpaymentbill
e.g.“atafixedtimeafteraB/Ldate”
2.Accordingtowhethercommercialdocumentsareattachedthereto
cleandraft
documentarydraft
3.Accordingtothedrawer
Banker’sdraft
trader’sdraft
4.Accordingtotheacceptor
Banker’sacceptance
trader’sacceptance
5.Accommodation(Finance)billofexchange融资汇票
abillofexchangethatissignedbysomeone(theaccommodationparty)whopromisestopayittohelpanotherpersontoraisemoney
usedforstraightborrowing/financingtransactionsinwhichtherearenorelatedtransactions
2.2.5Actsrelatingto
abillofexchange
Issue
Comprises:
1)todrawandsignabill;
2)todeliverittothepayee
Accordingtothenegotiableinstrumentlaw:
Thebillshouldbecompleteinformstipulatedbythenegotiableinstrumentlawintheplaceofissue;
Bydrawingabill,thedrawerengagesthatonduepresentmentthebillwillbeacceptedandpaidandthat,ifdishonored,hewillcompensatetheholder。
Endorsement
Thepayeeorholdersignsonthebackofthebillanddeliversittotheendorsee
Avalidendorsementshouldbeanendorsementoftheentirebill;
Byendorsinganinstrument,theendorserguaranteethatonduepresentmentthebillshallbeacceptedandpaidasspecified.
Types:
Specialendorsement
记名背书/特别背书/正式背书/完全背书
PaytotheorderofECo.,NewYork(theendorsee)
ForABCCo.,NewYork
(theendorser)
Signature
(oftheendorser)
2)Blankendorsement
空白背书
3)Restrictiveendorsement限制性背书
PaytoAonly/nottransferable/notnegotiable/paytoAbankforaccountofBCo.
4)Endorsementforcollection委托取款背书(托收背书)
5)Endorsementforpledge质押背书
Presentation
Types
presentationforacceptance:
ausancedraft
presentationforpayment:
asight/usancedraft
Occasionsonwhichbillsmustbepresentedforacceptance
Timebillaftersight
Timebillafterdate
Atimebillstipulatesthatitmustbepresentedforacceptance
Atimebill,payableataplaceotherthanthatofthedrawee
Presentationmustbemadewithinthereasonabletime.
Thedraweesignonthefaceofbill,anddeliverittothepersonpresentingforaccep