国际结算专业词汇

国际结算英语词汇整理Chapter 1国际结算是指国际间由于政治、经济、文化、外交、军事等方面的交往或联系而发生的以货币表示的债权债务的清偿行为或资金转移行为。

International payments and settlements are financial activities conducted among different countries in which either payments are effected or funds are transferred from one country to another for the purpose of settling accounts,debts,claims,etc.结算settlement交割delivery清算clearing有形贸易visible trade无形贸易invisible trade电子数据交换系统electronic data interchange EDI国际商会International Chamber of Commerce ICC结算方式：《跟单信用证统一惯例》Uniform Customs and Practice for Documentary Credits,ICC Publication No.600 即UCP600 国际商会第600号出版物《托收统一规则》Uniform Rules for Collections URCS22《见索即付保函统一规则》The Uniform Rules for Demand Guarantees, ICC Publication No.458,1992 Edition URDG458《银行间偿付办法》Bank to Bank Reimbursements《合约保函统一规则》Uniform Rules for Contract Guarantees单据：《海牙规则》Hague Rules《汉堡规则》Hamburg Rules《联合运输单证统一规则》Uniform Rules for a Combined Transport Documents《伦敦保险协会货物保险条款》Institute Cargo Clauses ICC贸易术语trade terms交货临界点critical point of the delivery风险临界点critical point of the risk费用临界点critical point of the cost《国际贸易术语解释通则》Incoterms 2000见下表。

E组（发货）EXW-Ex Works 工厂交货（...指定地点）F组（主要运费未付）FCA-Free Carrier 货交承运人（...指定地点）FAS-Free Alongside Ship 船边交货（...指定装运港）FOB-Free On Board 船上交货（...指定装运港）C组（主要运费已付）CFR-Cost and Freight 成本加运费（...指定目的港）CIF-Cost,Insurance and Freight 成本、保险费加运费（...指定目的港）CPT-Carriage Paid To 运费付至（...指定目的港）CIP-Carriage and Insurance paid to 运费、保险费付至（...指定目的地）D组（到达）DAF-Delivered at Frontier 边境交货（...指定地点）DES-Delivered Ex Ship 目的港船上交货（...指定目的港）DEQ-Delivered Ex Quay 目的港码头交货（...指定目的地）DDU-Delivered Duty Unpaid 未完税交货（...指定目的地）DDP-Delivered Duty Paid 完税后交货（...指定目的地）洗钱money laundering支付协定payment agreement国际标准化组织International Organization for Standardization ISO国际结算制度system of international settlement支付系统是由提供支付清算服务的中介机构和实现支付指令传送及资金清算的专业技术手段共同组成，用以实现债权债务清偿及资金转移的一种金融安排。

Payment system refers the process that banks draw a sum of money from the payer’s account and deposit it to the payee’s.联邦资金转账系统Federal Reserves Wire Transfer System, FEDWIRE清算所同业支付系统Clearing House Interbank Payment System, CHIPS美国银行公会代码American bankers association number ，ABA 号码清算所发给通用认证号码Universal Identification Number, UID 号码伦敦城内交换系统town-clearing普通交换系统general clearing交换银行自动收付系统Clearing House Automated Payment System, CHAPS国际银行组织电子银行协会Electronic Banking Association日本银行金融网络系统BOJ-NET环球银行金融电讯协会Society for Worldwide International Financial Telecommunications, SWIFT代表处representative office代理处agency office海外分、支行overseas sister bank/branch,subbranch代理银行correspondent banks附属银行（子银行）subsidiary banks联营银行affiliated banks银团银行consortium bank控制文件control documents印鉴样本specimen signature费率表terms and conditions来账vostro a/c ，即你行设在我行的账your a/c with us 往账nostro a/c ，即我行设在你行的账our a/c with you 账户行depository bank存款行depositor bank贷记to credit借记to debitChapter 2票据instrument设权性right to be paid无因性non causative nature要式性requisite in form流通性negotiability可追索性recoursement基本当事人immediate parties出票人drawer付款人payer/drawee收款人payee附属当事人remote parties背书人endorser被背书人endorsee持票人holder前手prior parties后手subsequent parties承兑人acceptor保证人guarantor汇票bill of exchange汇票是由出票人向另一人签发的要求即期、定期或在可以确定的将来时间向指定人或根据其指令向来人无条件支付一定金额的书面命令。

A bill of exchange is an unconditional order in writing,addressed by one person to another, signed by the person giving it,requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money,to,or to the order of,a specified person,of to bearer.限制性抬头restrictive order不可转让not transferable指示性抬头demonstrative order来人bearer出票日期date of issue出票地点place of issue付款地点place of payment付款日期tenor见票即付at sight or on demand板期at a fixed date见票后定期付款at a fixed period after sight出票后定期付款at a fixed period after date“付一不付二”条款pay this first/second bill (second/first of the same date and tenor being unpaid)to...担当付款人person designed as payer预备付款人referee in case of need必须提示承兑presentment for acceptance required不得提示承兑acceptance prohibited付对价持票人holder for value对价consideration正当（善意）持票人holder in due course/bona fide holder银行汇票banker’s draft商业汇票trade bill承兑汇票acceptance bill银行承兑汇票banker’s acceptance bill商业承兑汇票trader’s acceptance bill即期汇票sight draft,demand draft远期汇票time bill usance bill光票clean bill跟单汇票documentary bill本币汇票home money bill外币汇票foreign money bill国内汇票inland bill国外汇票foreign bill本票promissory note银行本票cashier’s order/check国际汇票overseas money order (国际小额本票international money order) 旅行支票traveler’s check支票cheque or check划线支票crossed check无线支票uncrossed check/open check保付支票certified check银行支票banker’s check支票卡check card出票issue背书indorsement/endorsement空白背书blank endorsement记名背书special endorsement限制性背书restrictive endorsement承兑acceptance参加承兑acceptance for sb’s honor保证guarantee担保人guarantor被担保人person guaranteed保付certified to pay提示presentation付款payment拒付dishonor追索recourseChapter 3顺汇remittance =汇付法to remit逆汇reverse remittance =出票法to draw 汇款人remitter汇出行remitting bank汇入行/解付行paying bank收款人/受益人payee/beneficiary电汇telegraphic transfer T/T信汇mail transfer M/T票汇remittance by banker’s demand draft D/D汇款头寸偿付reimbursement of remittance cover主动贷记：作为偿付，汇出行主动将相应头寸贷记汇入行的账户In cover,we have credited your a/c with us.授权借记：作为偿付，汇出行授权汇入行借记本行在汇入行的账户In cover,please debit your a/c with you.共同账户行（碰头行）转账：当汇出行与汇入行相互之间没有往来账户，但是在同一代理行开立了账户时，为了偿付解款，汇出行可以在汇款时主动授权这个共同账户借记汇出账户并同时贷记汇入行账户In cover,we have authorized X Bank to debit our a/c and credit your a/c with them.各自账户行转账：当汇出行和汇入行之间没有共同账户行，但它们各自的账户行之间有账户往来关系时，则汇出行指示其账户行（X Bank）拨付头寸给汇入行的账户行（Y Bank）开立的账户In cover, we have authorized X Bank to remit proceeds to you.预付货款payment in advance货到付款payment after arrival of the goods赊账交易open account transaction延期付款deferred payment售定be sold out寄售consignmentChapter 4托收collection委托人principal/consignor托收行remitting bank代收行collecting bank付款人drawee提示行presenting bank需要时的代理customer’s representative in case of need 托收申请书Collection Application面函covering letter托收委托书collection advice托收命令collection order托收指示collection instruction付款交单D/P Documents to be released to drawee only on payment或Documents against payment承兑交单D/A Documents to be released to drawee on acceptance of B/E或Documents against acceptance分批部分付款partial payment凭本票交单Delivery of documents against promissory note凭付款承诺交单Delivery of documents against letters of undertaking to pay凭签字的信托收据交单Delivery of documents against a signed trust receipt凭买方或其银行开立保函担保在将来固定日期付款交单Delivery of documents against letter of guarantee from the buyer’s or their bank guaranteeing payment must be made at a fixed future dateChapter 5信用证letter of credit信开本信用证letter of credit电开本cable简电本brief cable全电本full cable开证行名称issuing bank开证申请人applicant信用证号码L/C number信用证金额L/C amount信用证形式form of credit有效期限terms of validity/expiry date开证日期date of issue受益人beneficiary出票条款drawn clause商业发票commercial invoice运输单据transport documents保险单据insurance policy装运港port of loading/shipment卸货港port of discharge or destination装运期限latest date of shipment可否分批装运partial shipment permitted/not permitted可否转运transhipment allowed/not allowed对议付行、通知行、付款行的指示条款Instructions to negotiating bank/advising bank/paying bank保证条款engagement/undertaking clause开证行代表签名opening bank’s name and signature其他特别条件other special condition通知行advising bank转递行transmitting bank保兑行confirming bank保证书letter of indemnity凭保议付documents negotiated against beneficiary’s indemnity 偿付行reimbursing bank履约保证金performance bond不符点discrepancy光票信用证clean credit跟单信用证documentary credit不可撤销信用证irrevocable credit可撤销信用证revocable credit即期付款信用证sight payment credit延期付款信用证deferred payment credit承兑信用证acceptance credit可转让信用证transferable credit不可转让信用证non-transferable credit信用证再转让retransfer of credit背对背信用证back to back credit款项让渡assignment of proceeds对开信用证reciprocal credit循环信用证revolving credit自动循环信用证automatic revolving credit半自动循环信用证semi-automatic revolving credit非自动循环信用证non-automatic revolving credit预支信用证anticipatory credit买方远期信用证（假远期信用证）buyer’s usance creditChapter 6银行保函letter of guarantee L/G转开行reissuing bank反担保行counter guarantor bank见索即付payable upon first simple demand投标保函tender guarantee履约保函performance guarantee预付款保函advanced payment guarantee质量保函quality guarantee维修保函maintenance guarantee关税保付保函customs guarantee账户透支保函overdraft guarantee付款保函payment guarantee延期付款保函deferred payment guarantee补偿贸易保函compensation guarantee来料加工保函processing guarantee来件装配保函assembly guarantee租赁保函lease guarantee借款保函loan guarantee保释金保函bail bond票据保付保函guarantee for bill费用保付保函payment guarantee for commission/charges备用信用证stand-by letter of credit SL/C=商业票据信用证commercial paper L/C=担保信用证guarantee L/CChapter 9信用证项下的出口押汇（议付=押汇）negotiation under documentary credit出口押汇outward bill =买单/买票export bill purchased出口托收押汇advance against documentary collection开证授信额度/进口开证额度limits for issuing letter of credit 普通信用证授信额度general L/C limit一次性使用授信额度one time L/C limit信托收据trust receipt (T.R,T/R)=信托提单/置留权书letter of lien=信托证letter of trust代保管人bailee被信托人trustee进口信用证押汇inward bill receivables买方远期信用证buyer’s usance L/C提货担保delivery against bank guarantee,shipping guarantee国际保理international factoring保理factoring国际保理商联合会Factors Chain International FCI销售分户账管理maintenance of the sales ledger债款回收collection form debtors信用销售控制credit control坏账担保full protection against bad debts贸易融资trade financing有追索权的保理recourse factoring无追索权的保理non-recourse factoring到期保理maturity factoring融资保理financed factoring公开保理disclosed factoring隐蔽保理undisclosed factoring国内保理domestic factoring国际保理international factoring单保理single factoring双保理double factoring寄售方式consignment国际统一私法协会International Institute for the Unification of Private Law费福廷业务Forfaiting bill buy-up/bill buy-out包买商forfaiterChapter 10侨汇overseas Chinese remittance外币兑换业务exchange of foreign currency旅行支票traveler’s cheque信用卡credit card万事达卡Master card维萨卡VISA card运通卡American Express cardJCB卡JCB card大莱卡Diners Club card参照：《国际结算》（第四版）中国人民大学出版社庞红等著第7及第8章略能力有限，仅供参考！。