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1、第三章1，匯票的定義：Anunconditionalorderinwriting,addressedbyoneperson(theDrawer)toanother(theDrawee),signedbythepersongivingit,requiringthepersontowhomitisaddressed(theDraweewhowhenhesignsbecomestheAcceptor)topayondemand,oratafixedordeterminablefuturetime,asum
2、certaininmoneytoortotheorderofaspecifiedperson,ortobeaerer(thepayee).2，ActsofbillofExchange:a,Issuance.Toissueadraftcomprisetwoactstobeperformedbythedrawer.Oneistodrawandsignadraft;theotheristodeliverittothepayee.b,Presentation.Adraftmustbedulypresente
3、dforpaymentifitisasightbillordulypresentedforacceptancefirstandthenpresentedforpaymentatmaturityifitisatimebill.c,Acceptance.Acceptanceofadraftisasignificationbythedraweeofhisassenttotheordergivenbythedrawer.d,Payment.Actofpaymentisperformedwhenabillof
4、exchangeispaid.Abillisdischargedbypaymentinduecourseonlywhensuchpaymentismadebyoronbehalfofthedraweeortheacceptor.Endorsement,itisanactofnegotiation.Discounting,istosellatimebillalreadyacceptedbythedraweebutnotyetfallenduetoafinancialinstitutionatapric
5、elessthanitsfacevalue.ClassificationofbillofexchangeAccordingtothetenorA,sightbill.Itisabillpayableondemandoratsightonpresentation.B,timebillorusancebill.Itisapayableatafixedordeterminablefuturetime本票定義:Apromissorynoteisanunconditionalpromiseinwritingm
6、adebyoneperson(themaker)toanother(thepayeeortheholder)signedbythemakerengagingtopayondemandoratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedperson,ortobearer.Differencesbetweenpromissorynoteandbillofexchange:A,Apromissory
7、noteisapromisetopay,whereasabillofexchangeisanordertopay.B,Thereareonlytwoessentialpartiestoapromissorynote,namelythemakerandthepayee(ortheholderinthecaseofabearernote),whereastherearethreepartiestoabillofexchange,namelythedrawer,thedraweeeandthepayee.
8、c.Themakerisprimarilyliableonapromissorynote,whereasthedrawerisprimarilyliable,ifitisasightbill,andtheacceptorbecomesprimarilyliable,ifitisatimebill.D,Whenissued,apromissorynotehasanoriginalnoteonly,whereasabillofexchangemaybeeitherasol
