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ATSIGHTofthisFirstofExchange(SecondUnpaid)
PaytotheorderofUVWExports
ThssumofTwentyFiveThousandUSDollars
DrawnunderdocumentarycreditNo.SB-87654ofTheSunBank,
SunlightCity,Import-country,datedJanuary26,2009
ToTheMoonBankUVWExports
5MoonlightBlvd.
Export-cityandPostalCode,Export-Country________________
ThissamplebillofexchangeisdrawnonTheMoonBankbytheUVWExports.
Abillofexchangemustfulfillthefollowingrequirements:
1.theword“exchange”or“draft”.
2.anunconditionalorderinwriting.
3.nameandaddressofthedrawee.
4.drawer’ssignature,usuallyseller’ssignature.
5.dateandplaceofissue.
6.nameofthepayee,usuallytheselleroritsnominatedbank.
7.tenor.
8.placeofpayment.
9.Amount.
Typesofbillofexchange
(1)SightDraft/TermDraft(即期和远期汇票)
Thesightdraftismostcommonlyusedininternationaltrade.Inasightdraft,thepaymentisondemandoronpresentationofthenegotiationdocumentstothepayingbankortheimporter.
Thetermdraft,alsocalledtimedraftorusancedraft,isusedinadeferred(延期)paymentarrangement.ThepaymentisonthematuritydatedeterminableinaccordancewiththestipulationsoftheLetterofCredit.Thematuritydatecanbeatastatedperiodatsightorafterdate.
Forexample:
at90dayssight;
at180daysafterdate;
at150daysafterB/Ldate
Whenthedraweeacceptsatimedraft,hewillwriteorstamptheword“ACCEPTED”。
(2)CleanDraft/DocumentaryDraft(光票和跟单汇票)
Inacleandraft,nocommercialorshippingdocumentsareattachedtothedraft.Thedocumentsaresenttogetherwiththegoods,directlytotheimporter.Therefore,unlessthecredibilityoftheimporterisunquestionable,usingacleandraftintheshipmentofgoodsisrisky.Thecleandraftismoreoftendrawnforthecollectionofpaymentfortheservices,notgoods.
Inadocumentarydraft,thecommercialorshippingdocumentsareattachedtothedraft.Theimporterwillbeabletoreceivethecommercialorshippingdocumentsfromthecollectingbankonlyafterhehasacceptedthedraftforpaymentlaterorafterhehaspaidthedraft.
(3)CommercialDraft/Banker’sDraft(商业汇票和银行汇票)
Itisabillissuedbyacommercialenterpriseonanotherenterpriseoronabank.
Itisadraftdrawnbyabankonanotherbank.Boththepayerandpayeearebanks.
Handlingabillofexchange
Theusageofbillofexchangeincludessuchstages:
1.Issue(出票,开证)
2.Presentation/acceptance(提示/承兑)
3.Payment
4.Endorsement(背书)
5.Dishonor(拒付)
II.Promissorynote
Apromissorynoteisawrittennotebythemakerwhopromisestopayaspecificamountmoneyataspecifictimetoaspecificpayeeorbearer(持票人).
Asapromissorynoteisapromisebythemaker(insteadofdrawee)topaytothepayee,thereareonlytwopartiesconcerned,themakerandthepayee.
Promissorynotescanbecommercialnotes,whichareissuedbyfirms,orbanknotes,whicharemadebybank.Thecommercialpromissorynotecanbesightpromissorynoteortimepromissorynote,butbankpromissorynoteisonlysightone.Ininternationaltrade,mostofpromissorynotesaredrawnbybanksandcommercialpromissorynotesarerarelyused.Inusingthebanker’spromissorynotes,theimporterfirstneedstobuythepromissorynotefromabank,andthensendittotheexporterforthesettlementofpayment.
*Differencesbetweenabillofexchangeandpromissorynote
Thenatureofapromissorynotehasmuchincommonwiththatofabillofexchange.However,thereresomedifferencesbetweenthesetwoinstruments:
1.Apromissorynoteisapromisetopay,whileabillofexchangeisanordertopay.
2.Thereareonlytwopartiestoapromissorynote,namelythemakerandthepayee,whiletherearethreepartiestoabillofexchange,namelythedrawer,thedraweeandthepayee.
3.Themakerisprimarilyliableonpromissorynote,whilethedrawerisprimarilyliableifitisasightbill;
andacceptor(承兑人)becomesprimarilyliableifitisatimebill.
4.Whenissued,apromissorynotehasanoriginalnoteonly,whileabillofexchangemaybeeitherasolebillorabillinaset,i.e.abilldrawnwiththesecondofexchangeandthirdofexchangeinadditiontotheoriginalone.
III.Check
Acheckisanunconditionalorderinwritingdrawnonabanksignedbythedrawer,requiringthebanktopayacertainsumofmoneytoortotheorderofapayeeortothebeareratsight.Soitisalsocalled“ademanddraftdrawnonabank”.
Thedrawerofacheckmustbeadepositorthatkeepsanaccountcurrentinthepayingbanknotlessthanthesumcarriedonthecheck,orthecheckwillbedishonoredwhentheholderpresentsittothepayingbankforpayment.(出票人必须在付款银行存有不低于支票金额的存款,如存款不足,支票持有人在向付款银行提示支票要求付款时就会遭到拒付)Thiskindofcheckiscalled“bouncedcheck”.(被拒付而退回的支票)
Checksaremostusedindomestictrade.Butininternationaltrade,checksarealsousedandhereisaninstanceofcheck.
Practice
Thefollowingtermsappearedinthetext.Selectonecorrecttermforeachofthefollowingstatements.
AbillofexchangeApromissorynoteBouncedcheckAcheck
1.Anunconditionalorderinwritingsignedbytheperson(drawer)suchasabuyer,andaddressedtoanotherperson(drawee),typicallyabank,requiringthedraweetopayastatedsumofmoneytoanotherperson(payee),oftenaseller,ondemandoratafixedfuturetime.
2.Awrittennotebythemakerwhopromisestopayaspecificamountmoneyataspecifictimetoaspecificpayeeorbearer.
3.Acheckwhichhasbeendishonored.
4.Anunconditionalorderinwritingdrawnonabanksignedbythedrawer,requiringthebanktopayacertainsumofmoneytoortotheorderofapayeeortothebeareratsight.
(二)ModesofPayment
Ininternationaltradepractice,itisimportantforanexporterandtheimportertochoosethemostacceptablemodeofpayment.Theexporternaturallywantstogetpaidassoonaspossible,whiletheimporterusuallypreferstodelaypaymentuntilhehasreceivedorevenresoldthegoods.Sotheyshouldbefamiliarwithmanypaymentmodestoutilizeindifferenttradesituations.
Threekindsofpaymentsareeffectiveinforeigntrade.Theyareremittance,collection,andLetterofCredit.
I.Remittance(汇付)
Remittancemeanstheimporteronhisowninitiative(主动地)remitsmoneytotheexporterthroughabankorotherwaysaccordingtothetermsandtimestipulatedinthecontract.
1.Partiesinvolvedinremittancebusiness
Inremittance,therearefourpartiesinvolved:
theremitter(汇款人),thepayeeorbeneficiary(收款人),theremittingbank(汇出行),andthepayingbank(汇入行).
*Remitter—theimporter.
Aremitteristhepersonwhorequestshisbanktoremitfundstoabeneficiaryinaforeigncountry.Aremitterisalsocalledthepayer.
*Payeeorbeneficiary—theexporter.
Apersonwhoisaddressedtoreceivedtheremittanceiscalledthepayeeorbeneficiary.
*Theremittingbank—thebankinimporter’splace.
Apayingbankisthebankentrustedbytheremittingbankwithpayingacertainamountofmoneytoabeneficiary.
*Thepayingbank—thebankinexporter’splace.
Apayingbankisthebankentrustedbytheremittingbankwithpayingacertainamountofmoneytobeneficiarynamedintheremittanceadvice.
Whentheremitteristoremitthemoneytothebeneficiary,hecomestotheremittingbanktofillanapplicationformforthebanktoeffectthepayment.Uponacceptingtheapplicationform,theremittingbankshouldinstructthepayingbank,whichisusuallythebranchbankorcorrespondentbankoftheremittingbankinthecountryoftheexporter,topaythebeneficiary.
Remittanceischieflyusedforpaymentinadvance,cashwithorder,paymentafterarrivalofthegoods,commission,andsundrycharges,etc.(预付贷款、定购付款、货到付款、佣金支付等各种付款业务中)Forpaymentinadvanceorcashwithorder,theexporterisinanadvantageousposition.Whileforpaymentafterarrivalofthegoods,theimporterisinanadvantageousposition.Hencethismethoddependsonthecommercialcreditofeachparty.
2.Waysofremittance
Therearethreekindsofremittance:
MailTransfer(M/T),TelegraphicTransfer(T/T)andDemandDraft(D/D)(Page287)
RemittanceMailTransferTelegraphicTransfer
1.Attherequestoftheimporter,theremittingbanksendsatrustdeedforpaymentbycableorSWIFTdirectlytothepayingbankandentrustsittopaymoneytotheexporter.
2.Amodeofpaymentthattheimporteronhisowninitiativeremitsmoneytotheexporterthroughabankorotherwaysaccordingtothetermsandtimestipulatedinthecontract.
3.Atypeofremittancethattheremittanceinstructionsbetweenthebanksaremadebyordinaryorairmail.
II.Collection
Collectionprocessisgovernedbyasetofrules,publishedbytheInternationalChamberofCommerc
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