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Effet de commerce

Effet de commerce

dimanche 6 juin 2004










Un effet de commerce est un titre négociable qui constate au profit du porteur une créance de somme d’argent et sert à son paiement.

Cet effet doit suivre un formalisme très rigoureux pour sa validité et son efficacité. Différents moyens (dont l’escompte) permettent de faire circuler l’effet avec la créance incorporée.

Les deux principaux effets de commerce sont la lettre de change et le billet à ordre.

Il convient de noter que le chèque est aussi un effet de commerce. Cependant, il est payable à vue, si bien que le porteur est en mesure de l’encaisser tout de suite.





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