国际结算双语 总复习资料(附流程图)

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1、票据：Creditinstruments=awritten/printedpaperagainstwhichtopay,includingFinancialInstruments，Securities，Commercialdocuments.Featuresofinstruments1.无因性（Non-causativenature）2.要式性（Requisiteinform）3.流通性（Negotiability）4.提示性（Presentment）5.返还性（Returnability）6.

2、设权性（Establishmentofrightsandresponsibilities）Functions(票据的功能)Asameansofpayment;付款方式Asacreditinstrument;信用票据Asameansoffinance.金融工具Asatransferableinstrument;可转让的票据CreditInstrumentsforfour四种常用于国际结算的信用票据:Negotiableinstrument可转让的票据Negotiableinstrument,als

3、oknownascreditinstrument,isanunconditionalorderorpromisetopayacertainamountofmoney.Itcaneasilybetransferable.BillofExchange汇票Abillofexchangeisdefinedofficiallyasanunconditionalorderinwriting,addressedbyonepersontoanother,signedbythefirstperson,requir

4、ingthesecondpersontowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,acertainamountofmoney,to,ortotheorderof,aspecifiedpersonortothebearer.无条件的书面命令汇票是由一个人(drawer)向另一个人(drawee)签发的，要求受票人见票时或在未来某一规定的或可以确定的时间(tenor)将一定金额的款项支付给某一特定的人或其指定人

5、，或持票人(payee)。Essentialsofabillofexchange绝对必要事项：uSuchwordsas“billofexchange”exchange;draftorso书面写有汇票字样uAnunconditionalorderinwriting无条件的支付命令unameandaddressofthedrawee(addresseepayer)付款人名字和地址usignatureorstampofthedrawer出票人的签名和盖章udateoftheissue开立的日期uAbo

6、utsomedollars确定的金额unameorbusinessentityofthepayee收款人的名字或商务实体Actsofabillofexchange汇票的票据行为1.Issue/draw（出票）1、drawandsignadraft出票人写汇票并且签字2、deliverittothepayee出票人将汇票交付给收款人2.Endorsement（背书）Whentheholderofadraftwantstotransferorpassitstitletoanotherperson,h

7、eshouldsignonthebackofthedraftanddeliverittotheendorsee.It’sanactofnegotiation.（1）背书人不再是票据的持票人，需向其后手承担担保承兑和付款的责任。（2）被背书人成为持票人，享有票据权利EndorserEndorserEndorser20ABCD…..EndorseeEndorseeEndorsee(1)SpecialendorsementPaytotheorderofP.LAMBonlyP.LAMBcanendors

8、eitForDafengCompany,TianjinWILSONLELY(2)Blankendorsement=bearerbill,canbetransferredwithoutendorsementThepersonwhoistransferredcantransferitwithoutendorsementorwithendorsement,specialorblankathisoption.(3)RestrictiveendorsementPaytoP.LAMBONLYOnlyP.LA