negotiable instrument

简明释义

流通证券

英英释义

例句

1.A check is a common type of negotiable instrument, which allows the holder to transfer funds to another party.

支票是一种常见的可流通票据，允许持有人将资金转移给另一方。

2.In international trade, a bill of exchange is often used as a negotiable instrument to facilitate payments.

在国际贸易中，汇票通常被用作一种可流通票据以促进支付。

3.The bank refused to accept the negotiable instrument because it was not properly endorsed.

银行拒绝接受该可流通票据，因为它没有得到适当的背书。

4.Understanding the legal implications of a negotiable instrument is crucial for any business.

理解可流通票据的法律含义对任何企业而言都是至关重要的。

5.When you endorse a negotiable instrument, you are signing it over to someone else.

当你背书一个可流通票据时，你是在将其签署转让给其他人。

作文

In the world of finance and commerce, understanding various financial instruments is crucial for both individuals and businesses. One such important term is negotiable instrument, which refers to a written document that guarantees the payment of a specific amount of money either on demand or at a set time. These instruments are transferable, meaning they can be sold or transferred to others, making them a vital part of the financial system. Common examples of negotiable instruments include checks, promissory notes, and bills of exchange.The significance of negotiable instruments lies in their ability to facilitate trade and commerce. For instance, when a business needs to pay its suppliers, it can issue a check, which acts as a negotiable instrument. This check can then be deposited into the supplier's bank account, allowing for a seamless transfer of funds. The use of negotiable instruments simplifies transactions and reduces the risk associated with cash handling.Moreover, negotiable instruments provide a level of security and assurance in financial dealings. When a person endorses a check, they are essentially guaranteeing that the funds are available and will be paid out. This endorsement process adds a layer of trust between parties involved in a transaction. Additionally, because these instruments are transferable, they can be used as a form of credit. For example, a promissory note can be sold to another party, allowing the original lender to receive immediate cash while transferring the obligation to the new holder.However, it is essential to understand the legal implications surrounding negotiable instruments. Each type has specific rules and regulations governing its use, and failure to comply with these can result in disputes or loss of value. For instance, checks must be properly filled out and signed to be considered valid. If there are errors or if the check is not endorsed correctly, it may be rejected by the bank.Furthermore, the concept of negotiable instruments also includes the idea of 'holder in due course,' which refers to a person who has acquired the instrument for value, in good faith, and without notice of any defects. This legal status provides additional protection to the holder, ensuring that they can enforce the instrument even if there are issues with the original agreement.In conclusion, negotiable instruments play a critical role in the financial landscape, enabling smooth transactions and providing security to parties involved. Understanding how they work and the legal framework surrounding them is essential for anyone engaged in business or financial activities. As the world continues to evolve, so too will the methods and instruments we use for trade, but the fundamental principles of negotiable instruments will remain relevant in facilitating commerce and ensuring trust in financial transactions.

在金融和商业的世界中，理解各种金融工具对个人和企业都至关重要。其中一个重要的术语是可流通票据，它指的是一种书面文件，保证在要求时或在设定时间支付特定金额的货币。这些工具是可转让的，这意味着它们可以出售或转让给他人，使其成为金融系统的重要组成部分。常见的可流通票据包括支票、本票和汇票。可流通票据的重要性在于它们能够促进贸易和商业。例如，当一家企业需要支付其供应商时，可以开出支票，作为一种可流通票据。这张支票随后可以存入供应商的银行账户，从而实现资金的无缝转移。使用可流通票据简化了交易并减少了与现金处理相关的风险。此外，可流通票据在金融交易中提供了一定程度的安全性和保障。当一个人背书支票时，他们实际上是在保证资金是可用的，并将被支付。这一背书过程为交易双方之间增加了一层信任。此外，由于这些工具是可转让的，它们可以作为一种信用形式。例如，本票可以转让给另一方，使原始贷方能够立即获得现金，同时将义务转移给新的持有人。然而，理解可流通票据周围的法律含义是至关重要的。每种类型都有特定的规则和法规来规范其使用，未能遵守这些规定可能导致争议或价值损失。例如，支票必须正确填写并签名才能被视为有效。如果存在错误或支票未正确背书，银行可能会拒绝处理。此外，可流通票据的概念还包括“善意持有人”的概念，指的是为价值而获得该票据的人，且没有注意到任何缺陷。这种法律地位为持有人提供了额外的保护，确保他们即使在原始协议存在问题的情况下也能强制执行该票据。总之，可流通票据在金融领域中发挥着关键作用，能够实现顺畅的交易并为参与方提供安全保障。理解它们的运作方式及其周围的法律框架对于从事商业或金融活动的任何人都是必不可少的。随着世界的不断发展，我们用于贸易的方法和工具也将不断演变，但可流通票据的基本原则将继续在促进商业和确保金融交易中的信任方面保持相关性。