Part Two
(Unit 2 to Unit 6)
On Cheques
支票
[Teaching Aim]
This part includes several units, which are about cheques and cheques cards, crossing,
endorsement, and essentials of cheques. The students will learn something about the
definition of the cheques, how to identify or read a cheque and the identification,
function and utility of a cheque card as well as some rules on the operation of cheques
in banking.
[Key Words & Expressions]
draw a cheque on a banker 开立以银行为付款人的支票; payable on demand 即期付
款 ; endorse v.; endorsement n. 背书 ; sorting code number 检索代码 ; the clearing
process 支票交换过程; special character 特殊字符; special magnetic ink 特殊磁性
墨水; open cheque 现金支票; crossed cheque 划线支票，转帐支票; courtesy card
贵宾卡; undertaking to the payee of a cheque 对支票的收款人的保证; encashment
付现，兑现; cheque-book 支票簿; specimen signature 签字样本; expiry date 期满
日，效期; Bills of Exchange Act 票据法; unconditional order in writing 无条件的书
面命令; a sum certain in money 确定的货币金额; to the order of sb (to sb.’s order)…
按某人的指示(付款); payable to bearer 付来人，付持票人; drawee banker (= paying
banker) 受票行，付款行; payee 收款人; comply with 按照……做，符合……;
conditional order 有条件的命令; prescribed period 规定的时间; effective mandate
有效的指令; valid cheque 有效的支票; banker’s draft 银行汇票; indemnity 担保;
facsimile signature 复制签字; sign personally 亲自签名; payable at sight 见票即付
的; payable on presentation 一经提示即付款的; in words 用文字，大写; in figures
用数字，小写; discrepancy 不一致; in favor of the creditor 债权人为收款人; or order
或按照他(债权人)的指示付款; Institute of Bankers 银行家协会; invalid 无效的;
legal requirement 法律上的要求; antedated cheque 填早日期的支票; date of issue
出票日; postdated cheque 填迟日期的支票; defendant 被告; plaintiff 原告; forge the
payee’s endorsement 伪造收款人的背书; payable to bearer 付来人，付持票人;
negotiate by delivery alone 仅为交付转让; payable to order 按指示付款; holder
completed by delivery 交 付 后 成 为 持 票 人 ; endorsement in blank (=blank
endorsement) 空 白 背 书 ; special endorsement 特 别 背 书 ; endorsee 被 背 书 人 ;
endorser 背书人; restrictive endorsement 限制性背书; endorsing bank 背书银行;
subsequent endorsees 后手被背书人; notice of dishonor waived 放弃的拒付通知;
crossing 划线; not negotiable 不可转让; account payee 收款人帐户; Clearing House
票据交换所; collecting banker 收款行; special crossing 特别划线; general crossing
一般划线; transferability 可转让性; lawful holder 合法的持有者; withdraw 撤回，
撤消，取款; enjoy a two-fold advantage 享受双重的好处; two parallel transverse
lines 两条平行横线
[Teaching Approach & Method]
1. Two periods will be needed for this part. One is used for the reading and
explanation of the passage of Unit 2, one for the presentation of the students
to report what they have learned after they have read the following units of 3,
4, 5 and 6. The presentation will be made by each group in class.
2. PPT will be used to present a specimen cheque and require the student to
read and identify the parts of a cheque and pay attention to the following
points:
1) the sorting code number;
2) the place of the paying bank;
3) the signature of the drawer or writer;
4) the amount in words and in figures;
5) the characters in magnetic ink at the bottom of a cheque;
The students will be required to read the whole passage after the brief
explanation of the characters of a cheque and then discuss the following question
or topics：
What is a cheque?
A cheque is a specialized form of a bill of exchange which is drawn on a banker
and is payable on demand. From the practical viewpoint, it is a payment instruction
addressed by a customer to his bank, telling the bank to pay a specified sum of money
to the named payee “or order”.
The difference of a open cheque and a crossed cheque：
The payee of an open cheque may obtain cash if he presents the cheque
personally to the bank on which it is drawn.
A crossed cheque can be paid by the bank on which it is drawn only for the
credit of an account either at the same branch or at another branch of a bank.
A cheque card and the function of a cheques card:
A cheque card is a document issued by a bank which enables the holder to
cash cheques up to a stated maximum amount at any branch of the issuing
bank or of certain other banks with whom reciprocal arrangements have been
made.
The card is useful when making payments to third parties, because it contains
an undertaking to the payee of a cheque that the bank will pay any cheque
not exceeding the stated maximum sum, provided that it is drawn by the
person named on the card and provided that cheque is drawn before a
specified date.
The undertaking of the issuing bank on the cheque card:
The cheque must be signed in the presence of the payee.
The signature on the cheque must correspond with the specimen signature on
the card.
The cheque must be drawn on a bank cheque form bearing the code number
shown on the card.
The cheque must be drawn before the expiry date of the card.
The card number must be written on the reverse of the cheque.
[Assignment]
1. Complete the exercises after the passage.
2. Self-study the Units 3—6 and prepare for the presentation next period on the
topic:
What you have learned from these units？
The presentation should include the following points:
The definition of a cheque;
The main essentials of a cheque;
Crossing s on cheques;
Endorsement of a cheque.
3. Reference to the students:
a) 《商业银行经营管理》戴相龙主编 中国金融出版社 1999
b) 《商业银行业务经营与管理》李志辉主编 中国金融出版社 2004
c) 《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
