Payment付款方式.ppt

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1、PaymentContentPaymentInstrumentsPaymentMethodsPaymentTermsPaymentInstrumentsCashFinancialDocumentsPromissoryNoteCheck/ChequeBillofExchangeFinancialDocuments票据是以支付一定金额为目的，并可以自由流通转让的特种证券。RefertoBillsofExchangeAct(1882)Features:Negotiability（流通性）Non-causativeNature（无因性）RequisiteinForm（要式性）I.Pr

2、omissoryNoteDefinitionRequiredContentsTypesII.Check(Cheque)DefinitionRequiredcontentsTypesIII.BillofExchange(Draft/Bill)DefinitionRequiredcontentsTypesWhatisaBillofExchange/draft?Anunconditionalorderinwritingsignedbyoneparty(drawer)requestingasecondparty(drawee/payer)topayastatedsumofmoneyt

3、oathirdparty(payee),ondemandoratafixedordeterminablefuturetime.Whataretherequiredcontentsofadraft?“BillofExchange”or“Draft”UnconditionalorderofpaymentFixedamountNameofdrawee/payerNameofpayeeDateofissuingDrawer’snameandsignaturePlaceofIssuingDateandplaceofpaymentBILLOFEXCHANGEDrawnUnderBanko

4、fChina,LondonIrrevocableL/CNo.2003056DatedJanuary10,2005Payblewithinterest5.2%PerannumNo.20042EXCHANGEforHKD236,000.00Tianjin,ChinaFebruary20,2005at30daysafterSightofthisFIRSTofExchange(SecondofExchangebeingunpaid)PaytotheorderofBankofChina,TianjinBranchthesumofHongkongDollarsTWOHUNDREDANDT

5、HIRTY-SIXTHOUSANDONLYTO:BANKOFCHINA,HONGKONGChinaMachinery&EquipmentImport&ExportCorp.,ShanghaiBranch(SIGNATURE)DrawerBanker’sDraftCommercialDraftTypesD/DCollectionL/CTypesPaymenttimeSightDraft(DemandDraft)TimeDraft(UsanceDraft)AtxxdaysaftersightAtxxdaysafterdateofdraftAtxxdaysafterdateofB/

6、LFixeddate:OnNov.30TypesAcceptorCommercialAcceptanceDraftBanker’sAcceptanceDraftCommercialcreditBankcreditTypesCommercialDocumentsCleanDraftDocumentaryDraftToDraw1Presentation2Endorsement5Payment4Acceptance3Discount6Dishonor7Recourse8UseofDraftsSightTimeorAddressee:1.Arestrictivepayee2.toor

7、der3.tobearerPay…Co.nottransferablePay…Co.onlyPay…Co.ororderPaytotheorderof…Co.PaybearerPayholderEndorsement:1.Restrictive2.Blank3.SpecialPayto…Co.onlyPay…Co.nottransferablePay…bankororderDiscount持现有远期汇票的人若想在付款人付款前取得票款，可以经过背书将汇票转让给贴现的银行或金融公司（即受让人），由他们按票面