国际结算第四章 本票和支票
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Chapter
4
Promissory Note & Cheque
本章内容
1. Definition 本票和支票的定义 (Promissory note & Cheque)
国际结算 第四章
本票和支票
2. The characteristics of Promissory note本票的特点 3. The characteristics of Cheque 支票的特点 4. Essential to Promissory note & Cheque
本票和支票的必要条件
5. Difference between Bill of Exchange (Promissory note & Cheque)和汇票的区别
6. Some other key points of Cheque
关于支票的一些其他要点
国际结算 第四章
4.1.1 Promissory note
本票和支票
• Promissory note is an unconditional
promise in writing made by one person (the maker)to another (the payee or holder)signed by the maker engaging to pay on demand or at a fixed or determined future time a sum certain in money to or to the order of a specified person or bearer .
4.1.2 支票
国际结算 第四章
本票和支票
• 支票是银行客户（出票人）向银行（付 款人）开出的，由银行客户签字，授权 银行对某一特定人或指定人或持票来人 （收款人），在即期支付一定货币金额 的书面的无条件的支付命令。
1. Is an unconditional promise in writing. 本票是无条件的书面支付承诺 2. The basic parties to a promissory note are the maker & the payee. 本票的基本当事人是出票人和收款人 3. There is no need to accept ,the primarily liable party in all cases is the maker. 本票无需承兑，首要的付款责任人始终是出票人 4. Promissory notes other than those issued by banks are not very widely used in modern commercial transactions. 不是商业银行出具的本票在现在商务活 动中用得很少
国际结算 第四章
4.1.1 本票的定义
本票和支票
• 本票是一人（出票人）向另一人（收款 人或持票人）开立，由出票人签字，保 证对某一特定人或指定人或持票来人， 在即期或在固定的、或在可以确定的未 来某一时期支付一定货币金额的书面的 无条件的支付承诺。
4.1.2 Cheque
国际结算 第四章
本票和支票
4.3 The characteristics of Cheque
国际结算 第四章
本票和支票
国际结算 第四章
4.4 Essential to a Promissory note & a Cheque
本票和支票
1. The word “promissory note”must be clearly indicated. \\ ~ Cheque 2. An unconditional promise to pay. \\ ~ order. 3. Name of the payee or his order . \\ ~ the paying bank.
4.2 The characteristics of Promissory note
国际结算 第四章
本票和支票
1. A Cheque must be unconditional order 支票必须是无条件的支付命令
2. A cheque must drawn on a bank. 支票必须向银行开出 3. A sum certain in money must be written on a cheque, Which should signed by or per procuration for the drawer.支票上必须写明一定的货币金额 4. The date of a cheque is not essential. 支票的日期不重要 5. The payee may be a bearer, specified person or his order. 收款人可以是持票人，特定人或其指定人
• A cheque is a unconditional order in writing addressed by the customer (the drawer) to a bank (the drawee) signed by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer(the payee).
9. Address of the paying bank.
10. Place of payment. \\Name of payee.
来自百度文库 国际结算 第四章
4. Maker’s signature.
国际结算 第四章
4.4 Essential to a Promissory note & a Cheque
本票和支票
6. The place & date of issue. \\~date.
7. A certain amount of money. 8. Period of payment .
4
Promissory Note & Cheque
本章内容
1. Definition 本票和支票的定义 (Promissory note & Cheque)
国际结算 第四章
本票和支票
2. The characteristics of Promissory note本票的特点 3. The characteristics of Cheque 支票的特点 4. Essential to Promissory note & Cheque
本票和支票的必要条件
5. Difference between Bill of Exchange (Promissory note & Cheque)和汇票的区别
6. Some other key points of Cheque
关于支票的一些其他要点
国际结算 第四章
4.1.1 Promissory note
本票和支票
• Promissory note is an unconditional
promise in writing made by one person (the maker)to another (the payee or holder)signed by the maker engaging to pay on demand or at a fixed or determined future time a sum certain in money to or to the order of a specified person or bearer .
4.1.2 支票
国际结算 第四章
本票和支票
• 支票是银行客户（出票人）向银行（付 款人）开出的，由银行客户签字，授权 银行对某一特定人或指定人或持票来人 （收款人），在即期支付一定货币金额 的书面的无条件的支付命令。
1. Is an unconditional promise in writing. 本票是无条件的书面支付承诺 2. The basic parties to a promissory note are the maker & the payee. 本票的基本当事人是出票人和收款人 3. There is no need to accept ,the primarily liable party in all cases is the maker. 本票无需承兑，首要的付款责任人始终是出票人 4. Promissory notes other than those issued by banks are not very widely used in modern commercial transactions. 不是商业银行出具的本票在现在商务活 动中用得很少
国际结算 第四章
4.1.1 本票的定义
本票和支票
• 本票是一人（出票人）向另一人（收款 人或持票人）开立，由出票人签字，保 证对某一特定人或指定人或持票来人， 在即期或在固定的、或在可以确定的未 来某一时期支付一定货币金额的书面的 无条件的支付承诺。
4.1.2 Cheque
国际结算 第四章
本票和支票
4.3 The characteristics of Cheque
国际结算 第四章
本票和支票
国际结算 第四章
4.4 Essential to a Promissory note & a Cheque
本票和支票
1. The word “promissory note”must be clearly indicated. \\ ~ Cheque 2. An unconditional promise to pay. \\ ~ order. 3. Name of the payee or his order . \\ ~ the paying bank.
4.2 The characteristics of Promissory note
国际结算 第四章
本票和支票
1. A Cheque must be unconditional order 支票必须是无条件的支付命令
2. A cheque must drawn on a bank. 支票必须向银行开出 3. A sum certain in money must be written on a cheque, Which should signed by or per procuration for the drawer.支票上必须写明一定的货币金额 4. The date of a cheque is not essential. 支票的日期不重要 5. The payee may be a bearer, specified person or his order. 收款人可以是持票人，特定人或其指定人
• A cheque is a unconditional order in writing addressed by the customer (the drawer) to a bank (the drawee) signed by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer(the payee).
9. Address of the paying bank.
10. Place of payment. \\Name of payee.
来自百度文库 国际结算 第四章
4. Maker’s signature.
国际结算 第四章
4.4 Essential to a Promissory note & a Cheque
本票和支票
6. The place & date of issue. \\~date.
7. A certain amount of money. 8. Period of payment .