旅行支票的介紹

(資料圖)

　　在西方國家，旅游機票是很流行的。

　　Many of the banks and travel services in the western countries provide convenience for the travelers by issuing traveler"s checks. Travelers, while buying the checks, have to make signatures on the checks to the face of the bank or service clerks. During the trip, travelers can cash the checks from the agencies of the bank or the travel service whenever they need after their counter-signatures are recognized. A lot of travelers like to buy such checks for they don"t have to take along much cash and worry about counterfeit signature. The agencies will take back the money they have paid by sending the checks to the issuing offices.

　　Traveler"s checks are generally of small face value, such as ten or twenty dollars, five or ten pounds, for miscellaneous payments. There is no time limit of their circulation period. It is very profitable for the issuing offices to finance the funds they collect by issuing traveler"s checks because they not only receive service charge from the check buyers, but they also don"t need to pay any interest no matter how long the cheeks remain in circulation before clearing. This is why the banks and the travel services are willing to provide such convenience.

　　西方國家的許多銀行和旅行社辦理旅行支票業務，為旅客提供方便。旅客在購買旅行支票時，必須當著銀行職員或旅行社職員的面在支票上簽字。在旅行途中，旅客在需要時，可以在復簽得到確認后，向銀行和旅行社的代理機構兌現旅行支票。許多旅客喜歡購買此類支票，因為他們不必攜帶大量現金，也不必為冒簽而擔憂。代理機構通過將旅行支票寄送給發行機構收回所付款項。

　　旅行支票通常是小面額，比如十、二十美元，五、十英鎊，用于零星支付，在流通中沒有時間限制。對發行機構來說，發行旅行支票提供融資便利是有利可圖的，因為發行機構不但可以向支票的購買者收取費用，而且對發行的支票無論在外流通多久，在清算之前可以無息占用所吸收的資金。這就是銀行和旅行社愿意提供此類便利的原因。

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