汇票、支票和本票的表达和区别

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汇票(Money Order/Draft/Bill of Exchange):是最常见的票据类型之一,出票人签发的,委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。

汇票分为银行汇票(bank draft)与商业汇票(trade bill)。


支票(Cheque):是出票人签发的,委托办理支票存款业务的银行或者其他金融机构在见票时无条件支付确定的金额给收款人或者持票人的票据。

支票分为现金支票(cash cheque)和转账支票(cheque for transfer)。


本票(Promissory Note):是指发票人自己于到期日无条件支付一定金额给收款人的票据。这种票据只涉及出票人和收款人两方。出票人签发本票并自负付款义务。本票一般应载明“本票”字样,无条件支付承诺,收款人或其指定人(无收款人名字则以持票人为收款人),支付金额,签发日期和地点,付款日期和地点,发票人签名等等。


汇票、支票和本票的区别:

1、汇票的出票人是银行,付款人是银行,出票人必须与付款人具有真实的委托付款关系,并且具有支付汇票金额的可靠资金来源。

2、支票的出票人是普通民事主体,付款人是银行,出牌偶人所签发的金额不得超过其付款时在付款人处实有的存款金额。

3、本票的出票人是银行,付款人是银行,出票人必须具有支付本票金额的可靠资金来源,并保证支付。


相关法律法规:

《票据法》第十九条规定:

“汇票是出票人签发的,委托付款人在见票时,或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。”


参考双语例句:

The International Financial System also allowed for domestic and international money order services (e.g. cash-to-cash, cash-to-account, account-to-cash and account-to account).

国际金融系统也提供国内和国际汇票服务(例如现金到现金、现金到账户、账户到现金和帐户到帐户服务)。

Unless any other manner of payment is agreed between the Company and any CP Shareholder, payment of any cash distributions and moneys due on conversion or redemption to such CP Shareholder shall be made by the Company posting a cheque in Hong Kong dollars (or in the case of payments which are to be made in another currency, such other currency) addressed to that CP Shareholder at his registered address appearing on the Register as at the relevant Record Date and at his risk.

除非本公司与任何可换股优先股股东协定任何其他付款方式,否则本公司将向有关可换股优先股股东寄发港元(或倘以另一种货币付款,则為有关其他货币)支票支付因兑换或赎回优先股而导致的任何现金分派及有关款额,邮寄地址為该名可换股优先股股东於有关记录日期於股

The Promissory Note to the value of US $46,739,582 was to be transferred to the World Bank for approvals at the 47th meeting however it was not included in either the provisional or audited accounts of the World Bank because it was held by the Treasurer.

总额46,739,582美元的期票将转交给世界银行作为在四十七次会议上的核定款,不过,由于持有人是司库,这点既没有包括在世界银行的临时账户也没包括在已审计帐户。

发布于 2022-10-30 13:19:15
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