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单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,国际结算,2024/10/15,国际结算,第四讲本票与支票 promissory note and cheque ,2024/10/15,国际结算,本 票,、什么是本票？,、本票的绝对必要记载工程,、本票的特征,、本票的根本用途,、本票的种类,2024/10/15,国际结算,本票式样,2024/10/15,国际结算,一、什么是本票,本票是出票人的付款承诺,这个承诺是无条件的，是书面的,承诺自己支付,支付给收款人的是确定的金额,这个支付是在特定的时间进行。,注意：我国票据法只成认见票即付银行本票,2024/10/15,国际结算,二、本票的绝对必要记载工程,、“本票字样,、出票人签字,、收款人名称,、无条件支付承诺,、确定的金额,、出票日期,2024/10/15,国际结算,本票与汇票的绝对必要记载工程,必要记载项目,本票,汇票,票据名称字样,“本票”字样,“汇票”字样,无条件支付,承诺,命令,确定的金额,付款人名称,收款人名称,出票日期,出票人签字,2024/10/15,国际结算,三、本票的特征,1、本票是出票人无条件的付款承诺。,2、只有两个根本当事人：出票人maker与收款人payee。出票人即为付款人。,3、远期本票无须提示承兑，所有情况下出票人都是主债务人，承担付款责任。,4、除银行本票外，其它本票在商业交易中的用途并不广泛。银行本票中的来人抬头本票因为类似于发行货币而被许多国家禁止开出。,2024/10/15,国际结算,本票的根本用途,银行本票：我国的做法是申请人将款项交存银行，由银行签发给其凭以办理转帐结票或支取现金,国外：本票常用来做借款的还款承诺。,例子,2024/10/15,国际结算,Promissory Note - Equal Monthly Installments,1. Promise to Pay. For value received, _ Josephine H. Herbert _, (Borrower) promises to pay _ Alexander Knudsen _ (Lender) $_ 10,000 _ and interest at the yearly rate of _ 10 _% on the unpaid balance as specified below.,2. Monthly Installments. Borrower will pay _ 60 _ monthly installments of $_ 212 _ each.,3. Date of Installment Payments. Borrower will make an installment payment on the _ 1st _ day of each month beginning _ January 1, 1998 _ until the principal and interest have been paid in full.,4. Application of Payments. Payments will be applied first to interest and then to principal.,5. Prepayment. Borrower may prepay all or any part of the principal without penalty.,2024/10/15,国际结算,6. Loan Acceleration. If Borrower is more than _ 30 _ days late in making any payment, Lender may declare that the entire balance of unpaid principal is due immediately, together with the interest that has accrued.,7. Security, This is an unsecured note.,Borrower agrees that until the principal and interest owed under this promissory note are paid in full, this note will be secured by a security agreement and Uniform Commercial Code Financing statement giving Lender a security interest in the equipment, fixtures, inventory and accounts receivable of the business known as _.,Borrower agrees that until the principal and interest owed under this promissory note are paid in full, this note will be secured by the,mortgage,deed of trust,covering the real estate commonly known as _,and more fully described as follows:,_,2024/10/15,国际结算,8. Collection Costs. If Lender prevails in a lawsuit to collect on this note, Borrower will pay Lenders costs and lawyers fees in an amount the court finds to be reasonable.,Dated:,September 15, 1997,Name of Business: Josephines Catering ,a,：,sole proprietorship,By: Josephine H. Herbert,Printed Name: Josephine H. Herbert,Title: Owner,Address: 950 W. Newport Avenue,Springfield, Missouri,2024/10/15,国际结算,四、本票的种类,商业本票,即期本票,远期本票,银行本票,本票的分类,2024/10/15,国际结算,支票,、什么是支票？,、支票的绝对必要记载工程,、支票的种类,、支票的拒付与止付,2024/10/15,国际结算,我国支票样本,2024/10/15,国际结算,加拿大支票样本,2024/10/15,国际结算,一、什么是支票,是以银行为付款人的即期汇票。,即：,支票是出票人的支付命令,这个命令是无条件的，是书面的,命令自己的开户银行支付,支付给收款人的是确定的金额,这个支付是即期进行。,2024/10/15,国际结算,二、支票的绝对必要记载工程,、“支票字样,、出票人签字,、付款人名称,、无条件支付命令,、确定的金额,、出票日期,2024/10/15,国际结算,支票与汇票的绝对必要记载工程,必要记载项目,支票,汇票,票据名称字样,“支票”字样,“汇票”字样,无条件支付命令,确定的金额,付款人名称,收款人名称,出票日期,出票人签字,2024/10/15,国际结算,三、支票的种类,支票的分类,记名支票,划线支票,Crossed check,保付支票,Certified check,不记名支票,不划线支票,Uncrossed check,银行支票,Bankers check,未到期支票,Post-dated check,到期支票,Antedated check,2024/10/15,国际结算,划线支票,(crossed check),只能入账，不能提现，相当于我国的转账支票。,分为：,1,、普通划线支票：必须将支票存入任一开有收款人账户的银行，由银行代为收妥款项并入账。,2,、特殊划线支票：必须将支票存入指定银行，由指定银行代为收妥款项并入账。,2024/10/15,国际结算,普通划线支票,普通划线支票,2024/10/15,国际结算,普通划线支票,2024/10/15,国际结算,特殊划线支票,2024/10/15,国际结算,到期支票与未到期支票,到期支票antedated check：出票日期比真正签发日期为早的支票。,未到期支票post-dated check：出票日期比真正签发日期为晚的支票。,2024/10/15,国际结算,四、支票的拒付与止付,拒付原因：,空头支票,提示付款误期我国规定为出票日起10天,支票未到期也不予理会而支付,背书不连续,签字不符,支票不合格,破损严重,依法奉命止付,2024/10/15,国际结算,四、支票的拒付与止付,止付：,即为出票人向付款银行发出书面通知，要求后者停止对某张已出支票付款的行为。,日内瓦票据法：禁止在提示期内止付,英国票据法：允许,我国票据法：无规定,2024/10/15,国际结算,汇票、本票、支票的区别,汇票,本票,支票,无条件支付,命令,承诺,命令,基本当事人,出票人、付款人、收款人,出票人、收款人,出票人、付款人、收款人,主债务人,承兑前：出票人,承兑后：承兑人,出票人,出票人,出票人的责任,担保付款人承兑和付款,自负付款责任,担保付款人付款,期限,即期、远期,即期、远期,即期（见票即付）,出票份数,一套（一般一式两份）,一张,一张,付款人,任何人,自己,银行,票据行为,无保付,无承兑、参加承兑、参加付款、保付,有保付,无承兑、参加承兑、参加付款,2024/10/15,国际结算,票据行为,出票issue,背书endorsement,空白背书blank endorsement,记名背书special endorsement,限制性背书restrictive endorsement),承兑acceptance,参加承兑acceptance for honor,保证guarantee,2024/10/15,国际结算,票据行为,提示presentation,付款payment,拒付dishonor,拒付通知notice of dishonor,拒绝证书protest,追索recourse,参加付款payment for sbs honor,
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