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1、DefinitionofthePromissoryNote:Itisanunconditionalpromiseinwritingmadebyonepersontoanother,signedbythemaker,engagingtopay,ondemandoratafixedordeterminablefuturetime,asumcertaininmoney,to,ortotheorderof,aspecifiedpersonortobearer.2021-7-151PROMISSORYNOTES•Promi
2、ssorynoteis:–awrittenpromise–topayadeterminatesumofmoney–madebetweentwoparties.•Maker:Theissuerofapromissorynote.•Payee:Thepersontowhomthenoteistobepaid.2021-7-152EssentialstoPromissoryNote2021-7-153PROMISSORYNOTESPromissoryNoteNov.2,2004$10,000NewYork,NewYor
3、kNinetydaysaftertheabovedateforvaluereceived,theunder-signedjointlyandseverallypromise(s)topaytotheorderof:BANKOFTHERIVER,at100HudsonAve.,NewYork,NewYork02167TenThousandandoo/100DOLLARSWithinterestfromthedateaboveattherateof-11-percentperannum(computedontheba
4、sisofactualdaysandayearof360days)payableatmaturityOfficer:JonesNo:990-11-9999____________________2021-7-154PROMISSORYNOTES•DifferenceBetweenaPromissoryNoteandaBillofExchange:1.Itisapaymentpromise,notapaymentorder.2.Thereareonlytwopartiestoapromissorynote,them
5、akerandthepayee.3.Themakerisprimarilyliableonthepromissorynote.4.Whenissued,ithasanoriginalnoteonly.5.Thereisnoacceptancerequirement.2021-7-155MajorformsofPromissoryNote•(1)Accordingthemaker,promissorynotecanbeclassifiedasTradePromissoryNoteandBankPromissoryN
6、ote.–TradePromissoryNoteisissuedbyabusiness.–BankPromissoryNoteisissuedbyabank.–Tradepromissorynoteisbetterthanbankpromissorynoteincredit.•(2)Accordingtothetenor,promissorynotecanbeclassifiedassightpromissorynoteandtimepromissorynote.–sightpromissorynoteispay
7、ableatsightorondemand–Timepromissorynoteispayableatafixedfuturedateoradeterminablefuturedate.2021-7-156MajorformsofPromissoryNote•(3)InternationalMoneyOrder(国际汇票）–AlsobecalledOverseasMoneyOrder(MO)•OverseasMoneyOrderisissuedbyclearingbanksinNewYorkforpayee’sc
8、onveniencewhenheistravelingoutsidetheU.S.•OverseasMoneyOrderisusuallydenominatedinUSdollarswiththemaximumamountnotexceedingUSD2,500.•OverseasMoneyOrdercanalsobeusedtosettlepaymentsininter
