So snh Hi phiu v Cheque: Hi phiu Cheque 1.

Hi phiu l do ngi bn pht hnh i tin ngi mua hoc nh nhp khu. Sc l ch t sc pht hnh chi tr cho ngi bn, nh cung cp hoc rt tin mt. 2.V hnh thc, hi phiu c th hin di dng vn bn, do cc php nhn v th nhn t quyt nh. Hi phiu c th c lp thnh mt hay nhiu bn (thng l 2 bn), mi bn u nh s th t, cc bn u c gi tr nh nhau. V hnh thc, sc l mt vn bn giy, c ngn hng in sn theo mu, c chia lm 2 phn c ng ct bng rng ca gia tch ri, gm: phn cung sc ngi pht hnh lu v phn tch ri trao cho ngi th hng. Ngi k pht sc l t chc, c nhn phi c ti khon ti ngn hng. 3. K hn tr tin ca hi phiu ph thuc vo quy nh ca tng loi hi phiu m khng ph thuc vo phm vi khng gian lu hnh. c im ca sc l c tnh cht thi hn, tc l t sc ch c gi tr tin t hoc thanh ton nu thi hn hiu lc ca n cha ht i vi sc thng mi. Thi hn hiu lc ca t sc c ghi r trn t sc. Thi hn tu thuc vo phm vi khng gian m sc lu hnh v lut php cc nc quy nh. 4.Trong thanh ton quc t, tu theo phng thc thanh ton, m ngi tr tin c th l nh nhp khu (phng thc nh thu) hay ngn hng (phng thc L/C). Vic thanh ton sc bt buc phi thc hin lu thng sc qua ngn hng. C th l lu thng qua mt ngn hng hoc l qua hai ngn hng.