banker开立以银行为付款人的支票

1、跋Part敖 Two岸(Unit 2岸 to Uni巴t 6) 澳On 隘Cheques捌 支票稗Teachi懊ng Aim跋颁 氨This 斑part in案cludes 啊several俺 隘unit安s, whic伴h靶 袄are拌 about 凹cheques挨 and ch懊eques c扒ards疤, cross办ing, en哎dorseme敖nt, and傲 essent百ials of案 cheque岸s澳. The s白tudents艾 will l拔earn so扳mething扮 about 芭the def疤inition八 of the澳 cheque碍s叭, ho

2、w t爸o ident哀ify or 白read a 疤cheque 按and 敖the瓣 identi颁ficatio斑n, func巴tion an瓣d utili安ty of a矮 cheque皑 card班 as wel爸l as so爸me rule半s on th扮e opera艾tion of柏 cheque芭s in ba翱nking柏. 矮Key Wo傲rds & E懊xpressi背ons拔draw a 把cheque 唉on a ba罢nker开立以碍银行为付款人的熬支票; pay傲able on靶 demand扒 即期付款; 爸endorse罢 俺v.把; endor捌

3、sement 肮n.碍 背书; so拔rting c皑ode nu敖m暗ber检索代码靶; the c蔼lea罢r颁ing pro笆cess支票交绊换过程; sp坝ecial c叭haracte稗r 特殊字符;稗 specia袄l magne扳tic ink氨 特殊磁性墨水跋; open 埃cheque 霸现金支票; c案rossed 笆cheque 佰划线支票，转帐袄支票; 叭courtes般y card埃 贵宾卡; 凹underta艾king to版 the pa跋yee of 阿a chequ碍e蔼 对支票的收款佰人的保证; 败encashm爸ent跋 付现，兑现;板 靶cheque-岸

4、book敖 支票簿; 隘specime扮n sign稗a伴ture澳 签字样本; 吧expiry 埃date班 期满日，效期癌;氨 扒Bills o芭f Excha胺nge Act肮 票据法般; 挨uncondi颁tional 捌order i摆n writi半ng安 无条件的书面柏命令板; 奥a sum c傲ertain 安in mone案y奥 确定的货币金坝额昂; 斑to the 笆order o蔼f拔 sb (to扳 sb.拔懊s order凹)昂败按某人的指示(胺付款)敖; payab跋le 澳to bear懊er巴 付来人，付持凹票人埃; 隘drawee 肮banker 伴(= 罢p

5、a蔼y翱ing ban半ker阿) 受票行，付捌款行氨; 岸payee稗 收款人岸; 肮compl碍y白 with罢 按照瓣埃耙做，符合盎阿凹; 拜conditi艾onal or般der盎 有条件的命令碍; 摆prescri盎bed p耙e爸riod啊 规定的时间巴; 佰effecti斑ve mand阿ate澳 有效的指令澳; 艾valid c氨heque爱 有效的支票靶; 斑banker蔼s draft芭 银行汇票靶; 把inde吧m肮nity斑 担保唉; 按facsimi凹le sign跋ature伴复制签字癌; 瓣sign pe蔼rsonall巴y八 亲自签名艾; 鞍payable唉 a

6、t sig啊ht翱 见票即付的俺; 板payable瓣 爸on pres背ent澳a背tion岸 一经提示即付绊款的瓣; 半in word澳s柏 用文字，大写暗; 傲in figu版res肮 用数字，小写伴; 傲discrep坝ancy唉不一致按; 懊in favo罢r of th芭e credi阿tor拌 债权人为收款懊人奥; 隘or orde癌r八 或按照他(债按权人)的指示付搬款百; 阿Institu扒te of B扳ankers安 银行家协会鞍; 柏invalid肮 无效的跋; 阿legal r跋equirem巴ent半 法律上的要求阿; 啊antedat绊ed cheq盎ue案填早日

7、期的支票把; 按date of氨 iss办ue扮 出票日傲; 叭postdat安ed cheq坝ue白填迟日期的支票跋; 巴defenda半nt笆 被告阿; 坝plainti岸ff奥 原告般; 坝forge t氨he paye阿es e版n胺dorseme鞍nt昂 伪造收款人的哀背书绊; 俺payable八 to bea矮rer 啊付来人，付持票佰人挨; 唉negotia岸te by d芭eli背v懊ery alo昂ne芭 仅为交付转让奥; 氨payable跋 to ord跋er斑 按指示付款盎; 爸holder 八complet爱ed by d巴e矮livery绊 交付后成为持唉票人盎; 爸

8、e吧n爸dorseme办nt in b昂lank佰 (=绊blank坝 e颁n胺dorseme隘nt凹) 空白背书胺; 鞍special巴 endors搬e般ment巴 特别背书搬; 百endorse疤e白 被背书人袄; 绊endorse碍r霸 背书人扳; 瓣restric板tive en袄dors傲e隘ment皑 限制性背书盎; 岸endorsi扳ng bank胺 背书银行扳; 背subsequ艾ent e隘n绊dorsees拌 后手被背书人背; 巴notice 半of di邦s叭honor w捌aived挨 放弃的拒付通办知疤; 碍c爱rossing爸 划线半; 凹not neg绊otia

9、ble斑 不可转让昂; 版account艾 payee靶 收款人帐户败; 岸Clearin佰g H案ouse岸 票据交换所柏; 埃collect板ing ban斑ker癌 收款行绊; 版special安 crossi坝ng败 特别划线瓣; 半general绊 crossi百ng哀 一般划线捌; 碍transfe白rabilit伴y翱 可转让性靶; 绊lawful 板holder碍 合法的持有者耙; 癌withdra癌w哎撤回，撤消，取隘款八; 佰enjoy a扒 two-fo扮ld adva办ntage安 享受双重的好巴处笆; 癌two par俺allel t哀ran疤s岸verse l伴in

10、es氨 两条平行横线凹Teachi般ng Appr翱oach & 胺Method爱Two敖 period拔s啊 will b熬e neede版d for t邦his par皑t. One 坝is used搬 for th把e readi佰ng and 笆explana版tion of昂 the pa疤ssage o哎f Unit 斑2, one 板for the搬 presen暗tation 哀of the 爱student胺s to re百port wh爱at they邦 have l邦earned 巴after t凹hey hav矮e read 半the fol坝lowing 埃units

11、 o俺f 3, 4,按 5 and 拌6. The 爸present胺ation w凹ill be 耙made by熬 each g罢roup in凹 class.办 拌PPT wil吧l be us敖ed to p伴resent 敖a speci耙men che叭que and扒 requir搬e the s癌tudent 拔to read隘 and id爸entify 耙the par罢ts of a袄 cheque案 and pa阿y atten暗tion to瓣 the fo百llowing吧 points凹:芭the sor柏ting co昂de numb昂er;百the pla百c

12、e of t班he payi癌ng bank背;颁the sig碍nature 案of the 伴drawer 拌or writ班er;颁the amo捌unt in 阿words a八nd in f斑igures;熬the cha版racters翱 in mag爱netic i背nk at t唉he bott坝om of a半 cheque蔼;斑The stu霸dents w版ill be 扮require扳d to re扳ad the 坝whole p盎assage 吧after t鞍he brie爸f expla熬nation 办of the 伴charact板ers案 of a c肮h

13、eque a疤nd then巴 discus把s the f翱ollowin把g quest般ion搬 or top澳ics氨：坝What is爸 a cheq翱ue?翱A chequ巴e is a 扳special癌ized fo拔rm of a阿 bill o芭f excha拔nge半 which 跋is draw叭n on a 哀banker伴 and is瓣 啊payable扳 on dem鞍and瓣. From 疤the pra翱ctical 八viewpoi按nt, it 哎is a pa罢yment i斑nstruct翱ion add暗ressed 邦by a cu鞍stomer

14、 背to his 隘bank, t柏elling 邦the ban俺k to pa按y a spe拜cified 爸sum of 哀money t皑o the n敖amed pa叭yee 盎“伴or orde百r搬”捌.奥The dif袄ference跋 of a o霸pen che白que and隘 a cros颁sed che靶que：哎The pay靶ee of a氨n open 扮cheque 肮may obt昂ain cas拜h if he颁 pr扮e碍sents t班he cheq蔼ue pers斑onally 爸to the 霸bank on碍 which 爸it is d按ra

15、wn. 斑A cross暗ed cheq瓣ue can 盎be paid傲 by the罢 bank o叭n which靶 it is 按drawn o八nly for俺 the cr敖edit of八 an acc半ount ei颁ther at扒 the sa扳me bran爸ch or a搬t anoth俺er bran吧ch of a耙 bank.办A胺 cheque唉 card a班nd邦 the fu安nction 奥of a ch安eques c凹ard:半A chequ艾e card 翱is a do拔cument 霸issued 稗by a ba白nk whic颁h enab

16、l芭es the 翱holder 阿to cash爱 cheque般s up to斑 a stat爸ed maxi板mum扒 amount霸 搬at any 爱branch 把of the 凹issuing伴 bank o懊r of 跋certain颁 other 扳banks w爱ith who昂m r背e懊ciproca隘l arran版gements绊 have b靶een mad皑e邦.癌T阿he card笆 is use唉ful whe扒n makin拔g payme扮nts to 按third p傲arties,拌 becaus敖e it co伴n颁tains a唉n 傲under

17、ta叭king to芭 the pa盎yee of 袄a chequ稗e哎 that t啊he bank鞍 will p哎ay any 捌cheque 捌not exc八eeding 挨the sta爱ted max百imum矮 sum班,奥 provid癌ed that芭 it is 坝drawn b暗y the p耙erson n敖amed on版 the ca叭rd稗 拜and pr瓣o懊vided t拜hat che阿que is 傲drawn b俺efore a肮 specif百ied dat胺e.版The und隘ertakin艾g of th背e issui艾ng bank艾 o

18、n the摆 cheque岸 card:扒The che摆que mus摆t be si败gned in佰 the pr熬esence 胺of the 八payee.背The sig办nature 碍on the 瓣cheque 肮must co安rrespon懊d with 叭the 暗spec袄i安men sig败nature爱 on the埃 card.耙The che昂que mus鞍t be dr俺awn on 凹a bank 芭cheque 隘form be按aring t挨he 稗code nu扮mber隘 shown 笆on the 傲card.斑The che拜que mus拌t be dr澳awn bef皑ore the爱 笆expiry 霸date碍 of t