函电支付方式.ppt

Chapter 7 Terms of Payment
The Instrument of Payment
Bill of exchange 汇票
Promissory note 本票
Che银行 ）见到单据和贸易汇票后就会付款.
The Instrument of Payment
Promissory note 本票
A promissory note is a written note by the maker who promises to pay a specific amount of money at a specific time to a specific payee or holder.
本票是一个人向另一个人签发的，保证即期或定期或在可以确定的将来的时间，对某人或其指定人或持票人支付一定金额的无条件书面承诺。
The Instrument of Payment
Promissory notes can be commercial notes, which are issued by firms, or bank notes, which are made by bank. The commercial promissory note can be sight promissory note or time promissory note, but bank promissory note is only the sight one. In international trade, most of promissory notes are drawn by banks and commercial promissory notes are rarely used. In using the banker’s promissory notes, the importer first needs to buy the promissory note from a bank, and then send it to the exporer for he settlement of payment. 银行本票是以银行为出票人签发的，承诺自己在见票时无条件支付确定的金额给收款人或者持票人的票据。
Differences between a bill of exchange and promissory note
1、基本当事人不同。 本票有两个基本当事人，即出票人和收款人； 汇票有三个基本当事人，出票人、付款人、收款人。
2、付款方式不同。 本票的出票人自己出票自己付款，是承诺式票据； 汇票是出票人要求付款人无条件地支付给收款人的书面支付命令，付款人没有义务必须支付票款，除非他承兑了汇票，所以汇票是命令式或委托式的票据。
Differences between a bill of exchange and promissory note
3、主债务人不同。 本票：出票人； 汇票：承兑前，是出票人；承兑后，承兑人。
4、 本票不允许制票人与收款人做成相同的一个当事人，汇票允许出票人与收款人做成相同的一个当事人。
5、国际本票遭到退票，不须做成拒绝证书。汇票则要求。
The Instrument of Payment
Check 支票
A check is an unconditional order in writing drawn on a bank signed by the drawer, requiring the bank to pay a certain sum of money to or to the order of a payee or to the bearer at sight. A check is a special kind of draft in that the drawee is always a bank with which the drawer has an account. So it is also called “a demand draft drawn on a bank”.
The Instrument of Payment
The drawer of a check must be a depositor that keeps an account current in the paying bank not less than the sum carried on the chec