第三章 国际结算中的票据

Traveler’s cheque (旅行支票）
4.1.4 Differences between a bill and a note
Bills of exchange
① An order to pay.
② A three-party instrument.
Promissory notes
① A promise to pay.
本票是出票人做成的一项无条件的书面自我支付承诺
4.1.2 the Parties
• (1) Maker
• the principal debtor. • Engaging to pay the promissory note within the tenor.
• (2 ) Payee
• Note: A promissory note can be endorsed in the same way as a bill of exchange or check. • The endorser is liable to pay the promissory note or compensate the holder for non-payment provided that the necessary proceedings in dishonor have been taken.
案例分析：
• 2011年3月7日，甲商店同乙公司签订一份彩电购 销合同。该合同规定：由乙公司在10日内向甲商 店提供彩电100台，共计货款25万元。 双方约定 以本票进行支付。3月15日，乙公司将100台彩电 交付甲商店，甲遂向其开户银行A申请签发银行 本票。3月20日，A银行遂发出了出票人、付款人 为A银行，收款人为乙公司，票面金额25万元， 付款期限为6个月的本票。但由于疏忽，银行工作 人员未记载出票日期。甲商店将该本票
honor.
④Never accepted. ⑤One copy.
⑤Can be drawn in a set. ⑥Foreign bills need
protesting on dishonor ⑥Protest is never needed. to retain the liability of prior parties.
案例分析：
• （2）本票上关于提示见票期限的约定无效。
• 根据我国《票据法》第79条规定：“本票自 出票日起，付款期限最长不得超过二个月。”当 事人约定的提示见票期限超过二个月的， • 该约定无效。本案中，本票上记载的提示见票期 限为6个月，超过了法定的二个月，因此，该约定 无效。提示见票期限仍应是二个月。
图2-1的四方当事人的债权债务关系可以通过本票解决。 美国公司A开立一张本票交给B，以此作为对B保证支付 债务的债权凭证。 PROMISSORY NOTE FOR USD10,000.00
JULY 13, 2006 NEW YORK AT THIRTY DAYS AFTER SHIPMENT DATE (SHIPMENT DATE: JUL 10, 2006) WE PROMISE TO PAY B CO. OR ORDER THE SUM OF USD TEN THOUSAND ONLY FOR VALUE RECEIVED.
② A two-party instrument.
③ Where payable after date, a bill is generally ③ Never accepted. accepted.
Bills of exchange
Promissory notes
④Can be accepted for
案例分析：
• （3）丙公司不能对乙公司进行追索。 根据《票据法》第80条规定：“本票的持票 人未按照规定期限提示见票的，丧失对出票人 以外的前手的追索权。” 本案中丙公司在约定的提示见票期限，即出票 日起6个月内提示见票，因此，其主张追索权 的依据和理由是正确的。 但由于该本票约定的提示见票期限不符合法律 规定，所以，其提示见票超过了法定的期限， 所以，丙丧失了对乙的追索权
4.2.3 Parties to a check
• (1) The drawer. The person who makes out the check and keeps an account current in the paying bank. • (2) The drawee. The banker on whom the check is drawn and to whom the order to pay is given. He is the banker with which the drawer maintains an account. • (3) The collecting bank. The payee’s bank which collects/obtains payment for its customer from the paying bank—the drawer’s bank. • (4) The paying bank where the drawer has an account • (5) The payee
FOR A COMPANY, NEW YORK
(SIGNED)
B将本票背书转让给C来履行其对C的债务。同样，C可将该 本票背书转让给D来履行其对D的债务。
4.1.4 Classification of Promissory Note
• According to the tenor Sight /Term promissory note • According to the maker commercial /banker’s promissory note • International Money Order • （国际小额本票） 不超过USD2500.00 • Treasury Bill (国库券）P183
• 4.1.4 Classification of promissory note
• 3.4 Liabilities of the Parties • 3.5 The difference between a bill and a note
4.1.1 Definition of a promissory note
6.Period of payment
7.A sum certain in money 8.Place of payment （6）我国票据法规定，本票自出票日起，付 款期限最长不得超过2个月。
Case
• “Pay to the order of the Bank China the sum of thirty-five thousand US dollars.” is a valid Promissory note • “Pay to the order of the Bank China the sum of thirty-five thousand US dollars when the ship ‘Dongfeng’ reaches the port of New York.” • “We would be delighted if you would pay to the order of the Bank China the sum of thirty-five thousand US dollars.” • Are not valid promissory note.
• UK Bills of Exchange Act of 1882, Article 83
A promissory note is an unconditional promise in writing made by one person to another, signed by the maker, engaging 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.
Check for USD16000.0 New York, May 1,2007 Pay to the order of John Smith the sum of sixteen thousand US Dollars only.
To: Bank of China, Beijing China
4.2 Check
• • • • • • • 4.2.1 Definition of a Check 4.2.2 Contents of a Check 4.2.3 Parties to a check 4.2.4 Classification of Check 4.2.5 The process of check clearing 4.2.6 Dishonor of Checks 4.2.7 Difference between a Check and a Bill of Exchange
案例分析：
• 交付乙公司。后来，乙公司又将该本票背书转 让给丙公司。2011年9月4日，丙公司持该本 票向A银行提示见票，要求付款。A银行以甲 商店存款不足支付为由拒绝付款。丙公司遂以 其在约定的提示见票期限内提示见票，从而保 证了追索权为由，向乙公司进行追索。 • 请问：（1）该本票是否为有效票据？ （2）甲本票上关于提示见票期限的约定是否 有效？ （3）丙公司能否对乙公司进行追索？
4.2.1 Definition of a check
•
出票人签发的，委托办理支票存款业务的银行 或其他金融机构在见票时无条件支付确定金额给持 票人或收款人的票据。
A check is a bill of exchange drawn on a bank payable on demand; A check is an unconditional order in writing, signed by the person giving it, requiring the bank to whom it is addressed to pay on demand a sum certain in money to, or to the order of , a specified person or to bearer.