banker开立以银行为付款人的支票

PartTwo(Unit2toUnit6)OnCheques支票[TeachingAim]Thispartincludesseveralunits,whichareaboutchequesandchequescards,crossing,endorsement,andessentialsofcheques.Thestudentswilllearnsomethingaboutthedefinitionofthecheques,howtoidentifyorreadachequeandtheidentification,functionandutilityofachequecardaswellassomerulesontheoperationofchequesinbanking.[KeyWords&Expressions]drawachequeonabanker开立以银行为付款人的支票;payableondemand即期付款;endorsev.;endorsementn.背书;sortingcodenumber检索代码;theclearingprocess支票交换过程;specialcharacter特殊字符;specialmagneticink特殊磁性墨水;opencheque现金支票;crossedcheque划线支票，转帐支票;courtesycard贵宾卡;undertakingtothepayeeofacheque对支票的收款人的保证;encashment付现，兑现;cheque-book支票簿;specimensignature签字样本;expirydate期满日，效期;BillsofExchangeAct票据法;unconditionalorderinwriting无条件的书面命令;asumcertaininmoney确定的货币金额;totheorderofsb(tosb.’sorder)…按某人的指示(付款);payabletobearer付来人，付持票人;draweebanker(=payingbanker)受票行，付款行;payee收款人;complywith按照……做，符合……;conditionalorder有条件的命令;prescribedperiod规定的时间;effectivemandate有效的指令;validcheque有效的支票;banker’sdraft银行汇票;indemnity担保;facsimilesignature复制签字;signpersonally亲自签名;payableatsight见票即付的;payableonpresentation一经提示即付款的;inwords用文字，大写;infigures用数字，小写;discrepancy不一致;infavorofthecreditor债权人为收款人;ororder或按照他(债权人)的指示付款;InstituteofBankers银行家协会;invalid无效的;legalrequirement法律上的要求;antedatedcheque填早日期的支票;dateofissue出票日;postdatedcheque填迟日期的支票;defendant被告;plaintiff原告;forgethepayee’sendorsement伪造收款人的背书;payabletobearer付来人，付持票人;negotiatebydeliveryalone仅为交付转让;payabletoorder按指示付款;holdercompletedbydelivery交付后成为持票人;endorsementinblank(=blankendorsement)空白背书;specialendorsement特别背书;endorsee被背书人;endorser背书人;restrictiveendorsement限制性背书;endorsingbank背书银行;subsequentendorsees后手被背书人;noticeofdishonorwaived放弃的拒付通知;crossing划线;notnegotiable不可转让;accountpayee收款人帐户;ClearingHouse票据交换所;collectingbanker收款行;specialcrossing特别划线;generalcrossing一般划线;transferability可转让性;lawfulholder合法的持有者;withdraw撤回，撤消，取款;enjoyatwo-foldadvantage享受双重的好处;twoparalleltransverselines两条平行横线[TeachingApproach&Method]1.Twoperiodswillbeneededforthispart.OneisusedforthereadingandexplanationofthepassageofUnit2,oneforthepresentationofthestudentstoreportwhattheyhavelearnedaftertheyhavereadthefollowingunitsof3,4,5and6.Thepresentationwillbemadebyeachgroupinclass.2.PPTwillbeusedtopresentaspecimenchequeandrequirethestudenttoreadandidentifythepartsofachequeandpayattentiontothefollowingpoints:1)thesortingcodenumber;2)theplaceofthepayingbank;3)thesignatureofthedrawerorwriter;4)theamountinwordsandinfigures;5)thecharactersinmagneticinkatthebottomofacheque;Thestudentswillberequiredtoreadthewholepassageafterthebriefexplanationofthecharactersofachequeandthendiscussthefollowingquestionortopics：Whatisacheque?Achequeisaspecializedformofabillofexchangewhichisdrawnonabankerandispayableondemand.Fromthepracticalviewpoint,itisapaymentinstructionaddressedbyacustomertohisbank,tellingthebanktopayaspecifiedsumofmoneytothenamedpayee“ororder”.Thedifferenceofaopenchequeandacrossedcheque：Thepayeeofanopenchequemayobtaincashifhepresentsthechequepersonallytothebankonwhichitisdrawn.Acrossedchequecanbepaidbythebankonwhichitisdrawnonlyforthecreditofanaccounteitheratthesamebranchoratanotherbranchofabank.Achequecardandthefunctionofachequescard:Achequecardisadocumentissuedbyabankwhichenablestheholdertocashchequesuptoastatedmaximumamountatanybranchoftheissuingbankorofcertainotherbankswithwhomreciprocalarrangementshavebeenmade.Thecardisusefulwhenmakingpaymentstothirdparties,becauseitcontainsanundertakingtothepayeeofachequethatthebankwillpayanychequenotexceedingthestatedmaximumsum,providedthatitisdrawnbythepersonnamedonthecardandprovidedthatchequeisdrawnbeforeaspecifieddate.Theundertakingoftheissuingbankonthechequecard:Thechequemustbesignedinthepresenceofthepayee.Thesignatureonthechequemustcorrespondwiththespecimensignatureonthecard.Thechequemustbedrawnonabankchequeformbearingthecodenumbershownonthecard.Thechequemustbedrawnbeforetheexpirydateofthecard.Thecardnumbermustbewrittenonthereverseofthecheque.[Assignment]1.Completetheexercisesafterthepassage.2.Self-studytheUnits3—6andprepareforthepresentationnextperiodonthetopic:Whatyouhavelearnedfromtheseunits？Thepresentationshouldincludethefollowingpoints:Thedefinitionofacheque;Themainessentialsofacheque;Crossingsoncheques;Endorsementofacheque.3.Referencetothestudents:a)《商业银行经营管理》戴相龙主编中国金融出版社1999b)《商业银行业务经营与管理》李志辉主编中国金融出版社2004c)《商业银行经营管理学》刘忠燕，娄树本编著中国金融出版社2002