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1、DefinitionofthePromissoryNote:Itisanunconditionalpromiseinwritingmadebyonepersontoanother,signedbythemaker,engagingtopay,ondemandoratafixedordeterminablefuturetime,asumcertaininmoney,to,ortotheorderof,aspecifiedpersonortobearer.2021-10-51PROMISSORYNOTES•Promissorynoteis:–a
2、writtenpromise–topayadeterminatesumofmoney–madebetweentwoparties.•Maker:Theissuerofapromissorynote.•Payee:Thepersontowhomthenoteistobepaid.2021-10-52EssentialstoPromissoryNote2021-10-53PROMISSORYNOTESPromissoryNoteNov.2,2004$10,000NewYork,NewYorkNinetydaysaftertheabovedate
3、forvaluereceived,theunder-signedjointlyandseverallypromise(s)topaytotheorderof:BANKOFTHERIVER,at100HudsonAve.,NewYork,NewYork02167TenThousandandoo/100DOLLARSWithinterestfromthedateaboveattherateof-11-percentperannum(computedonthebasisofactualdaysandayearof360days)payableat
4、maturityOfficer:JonesNo:990-11-9999____________________2021-10-54PROMISSORYNOTES•DifferenceBetweenaPromissoryNoteandaBillofExchange:1.Itisapaymentpromise,notapaymentorder.2.Thereareonlytwopartiestoapromissorynote,themakerandthepayee.3.Themakerisprimarilyliableonthepromisso
5、rynote.4.Whenissued,ithasanoriginalnoteonly.5.Thereisnoacceptancerequirement.2021-10-55MajorformsofPromissoryNote•(1)Accordingthemaker,promissorynotecanbeclassifiedasTradePromissoryNoteandBankPromissoryNote.–TradePromissoryNoteisissuedbyabusiness.–BankPromissoryNoteisissue
6、dbyabank.–Tradepromissorynoteisbetterthanbankpromissorynoteincredit.•(2)Accordingtothetenor,promissorynotecanbeclassifiedassightpromissorynoteandtimepromissorynote.–sightpromissorynoteispayableatsightorondemand–Timepromissorynoteispayableatafixedfuturedateoradeterminablefu
7、turedate.2021-10-56MajorformsofPromissoryNote•(3)InternationalMoneyOrder(国际汇票）–AlsobecalledOverseasMoneyOrder(MO)•OverseasMoneyOrderisissuedbyclearingbanksinNewYorkforpayee’sconveniencewhenheistravelingoutsidetheU.S.•OverseasMoneyOrderisusuallydenominatedinUSdollarswiththe
8、maximumamountnotexceedingUSD2,500.•OverseasMoneyOrdercanalsobeusedtosettlepaymentsininter
