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1、PaymentContentPaymentInstrumentsPaymentMethodsPaymentTermsPaymentInstrumentsCashFinancialDocumentsPromissoryNoteCheck/ChequeBillofExchangeFinancialDocuments票據(jù)是以支付一定金額為目的，并可以自由流通轉(zhuǎn)讓的特種證券。RefertoBillsofExchangeAct(1882)Features:Negotiability（流通性）Non-causativeNature（無(wú)因性）RequisiteinFo
2、rm（要式性）I.PromissoryNoteDefinitionRequiredContentsTypesII.Check(Cheque)DefinitionRequiredcontentsTypesIII.BillofExchange(Draft/Bill)DefinitionRequiredcontentsTypesWhatisaBillofExchange/draft?Anunconditionalorderinwritingsignedbyoneparty(drawer)requestingasecondparty(drawee/payer)t
3、opayastatedsumofmoneytoathirdparty(payee),ondemandoratafixedordeterminablefuturetime.Whataretherequiredcontentsofadraft?“BillofExchange”or“Draft”UnconditionalorderofpaymentFixedamountNameofdrawee/payerNameofpayeeDateofissuingDrawer’snameandsignaturePlaceofIssuingDateandplaceofpay
4、mentBILLOFEXCHANGEDrawnUnderBankofChina,LondonIrrevocableL/CNo.2003056DatedJanuary10,2005Payblewithinterest5.2%PerannumNo.20042EXCHANGEforHKD236,000.00Tianjin,ChinaFebruary20,2005at30daysafterSightofthisFIRSTofExchange(SecondofExchangebeingunpaid)PaytotheorderofBankofChina,Tianji
5、nBranchthesumofHongkongDollarsTWOHUNDREDANDTHIRTY-SIXTHOUSANDONLYTO:BANKOFCHINA,HONGKONGChinaMachinery&EquipmentImport&ExportCorp.,ShanghaiBranch(SIGNATURE)DrawerBanker’sDraftCommercialDraftTypesD/DCollectionL/CTypesPaymenttimeSightDraft(DemandDraft)TimeDraft(UsanceDraft)Atxxdays
6、aftersightAtxxdaysafterdateofdraftAtxxdaysafterdateofB/LFixeddate:OnNov.30TypesAcceptorCommercialAcceptanceDraftBanker’sAcceptanceDraftCommercialcreditBankcreditTypesCommercialDocumentsCleanDraftDocumentaryDraftToDraw1Presentation2Endorsement5Payment4Acceptance3Discount6Dishonor7
7、Recourse8UseofDraftsSightTimeorAddressee:1.Arestrictivepayee2.toorder3.tobearerPay…Co.nottransferablePay…Co.onlyPay…Co.ororderPaytotheorderof…Co.PaybearerPayholderEndorsement:1.Restrictive2.Blank3.SpecialPayto…Co.onlyPay…Co.nottransferablePay…bankororderDiscount持現(xiàn)有遠(yuǎn)期匯票的人若想在付款人付款前
8、取得票款，可以經(jīng)過(guò)背書(shū)將匯票轉(zhuǎn)讓給貼現(xiàn)的銀行或金融公司（即受讓人），由他們按票面
