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来源：学生作业帮 编辑：神马作文网作业帮 分类：综合作业 时间：2024/11/20 10:02:34
急, 好心人帮帮忙,帮我翻译以下文章
汇票、本票和支票有什么异同?都各有什么作用?
就票据法所规范的狭义票据来说,票据可分为汇票、本票和支票.
汇票是出票人签发的, 委托付款 人见票即付或者在指定日期 无条件支付 确定的金额给收款人或者持票人的票据.在上述汇票的概念中,基本当事人有三个：一是出票人,即签发票据的人；二是付款人,即接受出票人委托而无条件支付票据金额的人,付款人可以是包括银行在内的他人,也可以是出票人；三是收款人,即持有汇票而向付款人请求付款的人.
本票是出票人签发的,承诺自己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.票据法所称的本票,是指 银行本票 .在上述本票的概念中,它的基本当事人只有二个：即出票人和收款人.我国的本票和汇票的区别主要有：（1）汇票的当事人有三个,而本票当事人只有二个；（2）本票出票人（也是付款人）限于银行；而汇票的出票人和付款人不限于是银行.（3）本票的付款方式只限于免票即付,而汇票可以定期付款.
支票是由出票人签发的,委托办理支票存款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.支票的基本当事人有三个：一是出票人,即在开户银行有相应存款的签发票据的人；二是付款人,即银行等法定金融机构；三是收款人,即接收付款的人.我国的支票同汇票的不同,其区别主要有：（1）支票的付款人必须是银行等法定金融机构,汇票的付款人不限于金融机构；（2）支票的付款方式只限于见票即付,汇票可以定期付款.
三者的相同点
(1)具有同一性质.①都是设权 有价证券 .即 票据 持票人凭票据上所记载的权利内容,来证明其 票据权利 以取得财产.②都是格式 证券 .票据的格式(其形式和记载事项)都是由法律(即 票据法 )严格规定,不遵守格式对票据的效力有一定的影响.⑤都是文字证券.票据权利的内容以及票据有关的一切事项都以票据上记载的文字为准,不受票据上文字以外事项的影响.④都是可以流通转让的证券.一般债务契约的 债权 .如果要进行转让时,必须征得 债务人 的同意.而作为流通证券的票据.可以经过背书或不作背书仅交付票据的 简易程序 而自由转让与流通.⑤都是无因证券.即票据上权利的存在只依票据本身上．的文字确定,权利人享有票据权利只以持有票据为必要,至于权利人取得票据的原因,票据权利发生的原因均可不问.这些原因存在与否,有效与否,与票据权利原则上互不影响.由于我国目前的票据还不是完全票据法意义上的票据.只是银行结算的方式,这种无因性不是绝对的.
(2)具有相同的票据功能.⑦ 汇兑 功能.凭借票据的这一功能,解决两地之间现金支付在空间上的障碍.⑦信用功能.票据的使用可以解决现金支付在时间上障碍.票据本身不是商品,它是建立在信用基础上的书面 支付凭证 ‘、③支付功能.票据的使用可以解决现金支付在手续上的麻烦.票据通过背书可作为多次转让,在市场上成为一种流通、支付工具,减少现金的使用.而且由于 票据交换 制度的发展,票据可以通过票据交换中心集中清算,简化结算手续,加速 资金周转 ,提高社会资金使用效益：
汇票、本票和支票有什么异同?都各有什么作用?
就票据法所规范的狭义票据来说,票据可分为汇票、本票和支票.
汇票是出票人签发的, 委托付款 人见票即付或者在指定日期 无条件支付 确定的金额给收款人或者持票人的票据.在上述汇票的概念中,基本当事人有三个：一是出票人,即签发票据的人；二是付款人,即接受出票人委托而无条件支付票据金额的人,付款人可以是包括银行在内的他人,也可以是出票人；三是收款人,即持有汇票而向付款人请求付款的人.
本票是出票人签发的,承诺自己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.票据法所称的本票,是指 银行本票 .在上述本票的概念中,它的基本当事人只有二个：即出票人和收款人.我国的本票和汇票的区别主要有：（1）汇票的当事人有三个,而本票当事人只有二个；（2）本票出票人（也是付款人）限于银行；而汇票的出票人和付款人不限于是银行.（3）本票的付款方式只限于免票即付,而汇票可以定期付款.
支票是由出票人签发的,委托办理支票存款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.支票的基本当事人有三个：一是出票人,即在开户银行有相应存款的签发票据的人；二是付款人,即银行等法定金融机构；三是收款人,即接收付款的人.我国的支票同汇票的不同,其区别主要有：（1）支票的付款人必须是银行等法定金融机构,汇票的付款人不限于金融机构；（2）支票的付款方式只限于见票即付,汇票可以定期付款.
三者的相同点
(1)具有同一性质.①都是设权 有价证券 .即 票据 持票人凭票据上所记载的权利内容,来证明其 票据权利 以取得财产.②都是格式 证券 .票据的格式(其形式和记载事项)都是由法律(即 票据法 )严格规定,不遵守格式对票据的效力有一定的影响.⑤都是文字证券.票据权利的内容以及票据有关的一切事项都以票据上记载的文字为准,不受票据上文字以外事项的影响.④都是可以流通转让的证券.一般债务契约的 债权 .如果要进行转让时,必须征得 债务人 的同意.而作为流通证券的票据.可以经过背书或不作背书仅交付票据的 简易程序 而自由转让与流通.⑤都是无因证券.即票据上权利的存在只依票据本身上．的文字确定,权利人享有票据权利只以持有票据为必要,至于权利人取得票据的原因,票据权利发生的原因均可不问.这些原因存在与否,有效与否,与票据权利原则上互不影响.由于我国目前的票据还不是完全票据法意义上的票据.只是银行结算的方式,这种无因性不是绝对的.
(2)具有相同的票据功能.⑦ 汇兑 功能.凭借票据的这一功能,解决两地之间现金支付在空间上的障碍.⑦信用功能.票据的使用可以解决现金支付在时间上障碍.票据本身不是商品,它是建立在信用基础上的书面 支付凭证 ‘、③支付功能.票据的使用可以解决现金支付在手续上的麻烦.票据通过背书可作为多次转让,在市场上成为一种流通、支付工具,减少现金的使用.而且由于 票据交换 制度的发展,票据可以通过票据交换中心集中清算,简化结算手续,加速 资金周转 ,提高社会资金使用效益：
Bills of exchange,promissory notes and cheques have what similarities and differences?
Each has what function?
Is the special regulations of the negotiable instrument,it can be divided into bills of bills of exchange,promissory notes and cheques.
The bill is out and issued by the drawer,who entrusted payment people sight draft or on a specified date to pay unconditionally a sum certain in money to the payee or bearer a bill.
In the draft concept,basic party has three:one is the drawer,namely the issuing the instrument;
Second is the payment,accept the drawer and pay the sum payable by unconditionally,payment person can be the others including Banks,also can be the drawer;
Three is the payee,namely hold draft to the drawee and asking for payment.
A promissory note is issuer,promising to see ticket to pay unconditionally a sum certain in money to the payee or bearer a bill.
Law called the promissory note,it is to point to a bank's note.
In the above the concept of a promissory note,and its basic party only two:namely the ticket and the payee.
China's promissory note and the main difference between bill:(1) the parties have three of a bill of exchange,promissory notes and only two parties;
(2) a promissory note the drawer (also payer) limited to bank;
And on the bill of exchange and any payment to the holder of the people so Banks.
(3) the maker of a promissory note is limited to the payment terms for free,and a bill may be regular payment.
Check out by issued by the drawer,who authorizes the handling check deposit bank or any other financial institution in the see ticket to pay unconditionally a sum certain in money to the payee or bearer a bill.
Check the basic parties have a three:one is the drawer,namely in the bank have corresponding issuing the instrument of the deposit;
2 the drawee is,that is,Banks and other legal financial institutions;
Three is the payee,namely receipt of payment.
China's check of the bill with different,its main difference have:(1) the cheque payment must be Banks and other legal financial institutions,bill payment of people not limited to financial institutions;
(2) the cheque payment is limited to the sight draft,a bill may be regular payment.
Three similarities
(1) has the same properties.
(1) is set right securities.
Bill is the bearer bill written by right content,to prove its bill right to obtain property.
(2) are format securities.
The format of the bills (the form and the items recorded in the) is by law (i.e.negotiable strict regulation,not abide by the format on the effectiveness of the bill to a certain extent.
(5) are text securities.
The right content and notes of everything related to all matters on a negotiable instrument shall be subject to the recorded text,not on the bill by the influence of the text other than matters.
(4) are can flow the transfer of the securities.
General debt contract of the claim.
If you want to transfer,must obtain the consent of the debtor.
And as the bill circulation securities.
Can not be endorsed by endorsement or delivery of a negotiable instrument only simple procedure and free transfer and circulation.
(5) are predictors of securities.
On the bill of rights that exist only in the bill itself.Text sure,obliges enjoy the right to hold only for necessary instrument,as for the cause of the holder acquires a negotiable instrument,the right cause of the all don't ask.
The reason to exist or not,is effective or not,and the bill right in principle to each other is not affected.
Because of the current bill is not completely negotiable bill of sense.
Just bank settlement way,this WuYinXing is not absolute.
(2) have the same its function.
7 exchange function.
With the function of a negotiable instrument,solve between two cash in the space of obstacles.
7 credit function.
The use of the instrument can be solved in time in the cash to pay for obstacles.
The bill itself is not goods,it is based on credit basis on written voucher ',(3) to pay a function.
The use of the instrument can be solved in cash on formalities of trouble.
Bill through the endorsement can be used as transfer many times in the market,be a kind of circulation,payment tool,reduce the use of cash.
And because the clearing system's development,bill can through the clearing central clearing,simplify the settlement procedures,speed up the capital turnover and improve the efficiency in the use of social capital:
Each has what function?
Is the special regulations of the negotiable instrument,it can be divided into bills of bills of exchange,promissory notes and cheques.
The bill is out and issued by the drawer,who entrusted payment people sight draft or on a specified date to pay unconditionally a sum certain in money to the payee or bearer a bill.
In the draft concept,basic party has three:one is the drawer,namely the issuing the instrument;
Second is the payment,accept the drawer and pay the sum payable by unconditionally,payment person can be the others including Banks,also can be the drawer;
Three is the payee,namely hold draft to the drawee and asking for payment.
A promissory note is issuer,promising to see ticket to pay unconditionally a sum certain in money to the payee or bearer a bill.
Law called the promissory note,it is to point to a bank's note.
In the above the concept of a promissory note,and its basic party only two:namely the ticket and the payee.
China's promissory note and the main difference between bill:(1) the parties have three of a bill of exchange,promissory notes and only two parties;
(2) a promissory note the drawer (also payer) limited to bank;
And on the bill of exchange and any payment to the holder of the people so Banks.
(3) the maker of a promissory note is limited to the payment terms for free,and a bill may be regular payment.
Check out by issued by the drawer,who authorizes the handling check deposit bank or any other financial institution in the see ticket to pay unconditionally a sum certain in money to the payee or bearer a bill.
Check the basic parties have a three:one is the drawer,namely in the bank have corresponding issuing the instrument of the deposit;
2 the drawee is,that is,Banks and other legal financial institutions;
Three is the payee,namely receipt of payment.
China's check of the bill with different,its main difference have:(1) the cheque payment must be Banks and other legal financial institutions,bill payment of people not limited to financial institutions;
(2) the cheque payment is limited to the sight draft,a bill may be regular payment.
Three similarities
(1) has the same properties.
(1) is set right securities.
Bill is the bearer bill written by right content,to prove its bill right to obtain property.
(2) are format securities.
The format of the bills (the form and the items recorded in the) is by law (i.e.negotiable strict regulation,not abide by the format on the effectiveness of the bill to a certain extent.
(5) are text securities.
The right content and notes of everything related to all matters on a negotiable instrument shall be subject to the recorded text,not on the bill by the influence of the text other than matters.
(4) are can flow the transfer of the securities.
General debt contract of the claim.
If you want to transfer,must obtain the consent of the debtor.
And as the bill circulation securities.
Can not be endorsed by endorsement or delivery of a negotiable instrument only simple procedure and free transfer and circulation.
(5) are predictors of securities.
On the bill of rights that exist only in the bill itself.Text sure,obliges enjoy the right to hold only for necessary instrument,as for the cause of the holder acquires a negotiable instrument,the right cause of the all don't ask.
The reason to exist or not,is effective or not,and the bill right in principle to each other is not affected.
Because of the current bill is not completely negotiable bill of sense.
Just bank settlement way,this WuYinXing is not absolute.
(2) have the same its function.
7 exchange function.
With the function of a negotiable instrument,solve between two cash in the space of obstacles.
7 credit function.
The use of the instrument can be solved in time in the cash to pay for obstacles.
The bill itself is not goods,it is based on credit basis on written voucher ',(3) to pay a function.
The use of the instrument can be solved in cash on formalities of trouble.
Bill through the endorsement can be used as transfer many times in the market,be a kind of circulation,payment tool,reduce the use of cash.
And because the clearing system's development,bill can through the clearing central clearing,simplify the settlement procedures,speed up the capital turnover and improve the efficiency in the use of social capital: