bankinglaw begriff billsofexchange businessenterprises cases checkcollectionsystems checks commerciallaw contracts corporationlaw discount electronicfundstransfers finance financialinstruments finanzinnovation germany insurancelaw kapitalmarktrecht lawandlegislation legalinstruments lettersofcredit liquidation maritimelaw nigeria payment pd6208 pe570 pe620 reform sachenrecht saudiarabia securities unitedstates wertpapier wertpapierrecht