国际结算双语(票据)

3．一定的金额（Certain in Money）
以金钱表示
确定的金额（不论是出票人、付款人还是持票人，任何人根 据票据文义计算的结果都一样。）

Pay to the order of ABC Co. the sum of one thousand US dollars . Pay to the order of ABC Co. the sum of one thousand US dollars plus interest. Pay to the order of ABC Co. the sum of one thousand US dollars plus interest calculated at the rate of 6% p.a. from the date hereof to 汇兑功能 the date of payment. Pay to the order of ABC Co. the sum of one thousand US dollars by instalment. Pay to the order of ABC Co. the sum of one thousand US dollars by ten equal consecutive monthly instalment. Pay to the order of ABC Co. the sum of one thousand US dollars converted into sterling equivalent. Pay to the order of ABC Co. the sum of one thousand US dollars converted into sterling equivalent at current rate of exchange.（现行 汇率：付款日当天的汇率）
的定义 二、Essentials of a bill of exchange汇票的要 式项目 三、Acts of a bill of exchange汇票的票据行 为 四、Types of bill of exchange汇票种类
一、汇票的概念 • 《英国票据法》对汇票的定义：汇票是由一人开致另一人 的书面的无条件命令，由发出命令的人签名，要求接受命 令的人在要求付款时立即，或在固定时间，或在可以确定 的将来时间，把一定金额的货币支付给一个特定的人，或 他的指定人，或来人。 • A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, reguring the person to whom to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person, or to bearer.
2. Non-causative Nature无因性 • The reason(s) of issue or endorse need not to write on the face of the bill. 3. Requisite in Form要式性 • The bill must contains the prerequisite items required by the law. 4. Presentment提示性 • Present for payment • Present for acceptance
二、 Essentials of a bill of exchange汇票 的基本项目(必要项目)
• ①The word “Exchange”汇票字样 • ②An unconditional order in writing无条件支付命 令 • ③ Amount 金额 • ④Tenor 付款期限 • ⑤ Date and place of Issue出票时间地点 • ⑥Name and address of the drawee 付款人名称地 址 • ⑦Name or business entity of the payee 收款人名 称 • ⑧Drawer’s signature(s)出票人签名
Authorized Signature
TO Bank of Europe London
SIGNATURE
Three basic parties
drawer出票人
issue Present for acceptance Present for payment
Payee
收款人
drawee payer 付款人
④付款人名称 ⑦出票人名称及签字 和地点 图2-3 汇票式样
图2-3 汇票式样
1. “汇票”字样 2. 无条件支付命令(Unconditional Order to Pay) • 命令：英语原文是Order。必须用“祈使句”， 以动词开头。 • 我国《票据法》规定为“无条件支付的委托”， 其实质也是一种命令，而不是一种请求。 • 支付必须是无条件。 • 书面的：凡手写的、打字的、印刷的、电脑打出 的都是书面的。
Chapter 2 Instruments信用工具 第一节 票据概述
一、Definition of credit instrument票据的概念 • A credit instrument is a written or printed paper by means of which funds are transferred from one person to another. Credit instruments most commonly used in international payments and settlements are bills of exchange, promissory notes and checks. They are also known, negotiable instruments. • Credit instruments may also take such forms as traveler’s cheque, certificates of deposit， treasury bills, treasury bonds, etc.

大小写 如果大小写不一致，《英国票据法》和《日内瓦统一法》都规定 以大写为准，但实际做法多是退票；我国《票据法》第八条规定： “票据金额以中文大写和数码同时记载，二者必须一致，二者不 一致的，票据无效。”此外，汇票金额不得涂改，也不得加盖校 对章。

用文字大写和数字小写分别表示。如果文字与数字 不符，如何处理？
三、The three important negotiable
instruments：
• (1) Bill of exchange汇票 • (2) Promissory note 本票 • (3) Cheque 支票
第二节
汇票
一、Bill of Exchange /Draft/Exchange汇票
二、汇票的必要项目
①汇票 字样
③确定金额
②无条件 支付命令
⑤收款人
⑥出票地点和日期
⑧ 付款期限
① ③ ⑥ Exchange for GBP5000.00 Beijing，5th April 2002 ⑧ ② ⑤ At 90 days after sight pay to B Co. or order the sum of five thousand pounds ③ ④ To Bank of Europe， For A Company London (signature)⑦
支付必须是无条件
① Pay to AB Co. or order the sum of one thousand US dollars. ② Pay to AB Co. providing the goods they supply are complied with 汇兑功能 contract the sum of one thousand US dollars. ③ Pay to AB Co. out of the proceeds in our No.3 account the sum of one thousand US dollars. ④ Pay to AB Co. or order the sum of one thousand US dollars and debit same to applicant’s account maintained with you. ⑤ Pay to AB Co. or order the sum of one thousand US dollars. Drawn under L/C No.3217 issued by C Bank.
Exchange for GBP5000,00
Beijing ,5, April ,2002
At 90 days after sight pay to the order of C Co.
ACCEPTED 20,APRIL, 2002 FOR BANK OF EUROPE
the sum of
FIVE THOUSAND POUNDS FOR A Company Beijing
汇兑功能
4．付款人名称（Drawee）和付款地点 （Place of Payment） • 付款人也称为受票人，是指票据上载明的 承担付款责任的人，也就是根据持票人的 命令支付票据金额，以消灭票据关系的人。
• 付款地点是指持票人提示票据请求付款的 地点。
5．收款人名称（Payee） • 汇票是债权凭证，收款人是汇票上记名的债权人。“抬头”。 （1）限制性wk.baidu.com头 • 对限制性抬头的汇票，票据的债务人只对记明的收款人负责。因此，限制 性抬头的票据不可流通转让。 • 仅付A公司 （Pay to A Co. only）； • 付给B公司，不能转让（Pay to B Co.，Not Transferable）； • 付给C公司（Pay to C Co.），但在票据其他地方有“不可转让”（Not transferable）的字样。 （2）指示性抬头 • 指可以由收款人或其委托人、指定人提示取款的汇票。 • 收款人可以通过背书将汇票转让给他人，由受让人以持票人身份取款。 • 付给A的指定人（Pay to the Order of A） • 付给B或其指定人（Pay to B or Order） • 付给C（Pay to C） （3）来人抬头 • 又称持票人抬头，无须背书，只要通过简单交付就可实现转让。 • 付给来人（Pay Bearer） • 付给A或来人（Pay to A or Bearer） • 在实务中，票据的收款人也可以是出票人自己，称为“己收汇票”
二、Instruments characteristic:
• 1)Negotiability • 2)Non-causative Nature • 3)Requisite in Form • 4)Presentment • 5)Return-ability
流通性 无因性 要式性 提示性 返还性
1. Negotiability流通性 • A negotiable bill may be payable to the order of a specified person. • A negotiable bill may be payable to bearer. • A bill on which the only or last endorsement is an endorsement in blank may be negotiable. • A bill payable to a specified person does not contain words prohibiting transfer or indicating an intention that it should not be transferable , it may also be negotiable.