国际结算笔记模板
国际结算笔记3
Chapter 4 Documents in International Settlements
–
functions
Evidence for the exporter to fulfill the sale contract; representation of the goods; financing means. – Requirements: accurate, complete, timely, tidy requirements for making documents (Article20b); requirements for signatures in documents; requirements for the number of original documents and copies (article20c); Requirements for authentication (article20d) requirements for issuance date (article22).
Chapter 4 Documents in International Settlements
introduction of documents – classifications financial documents: bills of exchange, promissory notes and checks; mercantile documents: commercial invoice, transport documents, insurance policies and other documents. – the importance of documents
国际金融00076第八章 国际结算 笔记
第八章国际结算一、国际结算体系1.【识记部分】（1）国际结算国际结算亦称“国际清算”。
通过国际间的货币收付，对国与国之间由于经济、政治和文化往来而发生的债权债务予以了结清算。
由国际贸易及其从属费用引起的货币收付称贸易结算；由贸易以外的往来，如侨民汇款、劳务供应、出国旅游、利润转移、资金调拨、驻外机构费用等引起的货币收付，称非贸易结算。
贸易结算是国际结算的主要内容。
在国际间收付款项直接通过运送货币金属结算的，称现金结算；利用票据转让和转账划拨结清债务的，称非现金结算或转账结算。
在前资本主义时期，国际结算主要通过现金结算进行。
（2）国际汇兑国际汇兑是指通过国际上银行的“汇”与“兑”来实现国与国之间债权债务的清偿和国际资金的转移。
“汇”是指货币资金在不同国家之间的转移，“兑”是指不同国家货币的相互转换。
（3）《日内瓦统一票据法》1930年，法国、德国、瑞士、意大利、日本、拉美一些国家等20多个国家在日内瓦召开国际票据法统一会议，签订《日内瓦统一汇票本票法公约》。
次年又签订《日内瓦统一支票法公约》。
两者合称《日内瓦统一票据法》。
但最终并未能真正成为世界通行的票据法。
（4）《英国票据法》英国的《1882年票据法》是总结里来的习惯法、特别法以及许多判例而编成。
该法共计97条，第1条至72条是有关汇票的法规，第73至84条订立了支票法规，第85至89条订立了本票法规。
1957年对支票法进行了补充和修订。
《英国票据法》比较强调保护票据的流通和信用功能化，在银行处理大量的票据实务方面，注重保护银行利益。
（5）中国票据法全国人大常委会八届十三次会议于1995年5月10日通过此法，并于1996年1月1日起施行。
2004年8月28日，第十届全国人大常委会第十一次会议通过改法的第一次修正，删除了原票据法中第75条本票出票人资格须由人行审定的条款，进一步削弱立法中的行政管理色彩。
（6）代理行代理行是指依据签订的代理行协议互相提供代理服务的银行。
武大张东祥国际结算复习笔记
《国际结算》复习第1章导论（联行、代理行、帐户行、国际商会、价格术语、《国际贸易术语解释通则》SWIFT、CHIPS、FOB、CFR、CIF）联行Sister bank：一家银行总行（Head Office）、分行（Branch ）、支行（Sub-branch ）之间以及分支行间的关系。
联行包括国内联行与海外联行；代理行Correspondent Bank: 两家通过签订协议而相互委托办理业务的银行；账户行：代理行之间单方或双方相互在对方银行开立了账户的银行；价格术语：也称贸易术语，是规定价格的构成及买卖双方各自应承担的责任、费用、风险以及确定货物所有权转移时限的专门术语；国际惯例：《国际贸易术语解释通则》（International Rules for the Interpretation of Trade Terms）：是国际商会为统一各种贸易术语的不同解释于1936年制定的，命名为《1936年国际贸易术语解释通则》（INCOTERMS 1936）;SWIFT:Society for Worldwide Interbank FinancialTelecommunication,环球银行同业金融电讯协会（环银电协) 。
银行间的高速电讯网络，24小时不间断运行、会员间终端连接、自动加密和接收、使用标准代码。
高效、安全传统国际结算的特点：现金结算、直接结算和凭货付款是传统国际结算的3大特点。
现代国际结算的特点⑴现代国际结算是票据结算⑵现代国际结算是“凭单”收付款⑶现代国际结算是以银行为中介的间接结算⑷现代国际结算与贸易融资相结合⑸国际结算惯例规则众多FOB:Free on Board ( port of shipment )，装运港船上交货（指定装运港）卖方负责在合同规定期限内，在指定装运港将货物装上买方指定的船上，当货物越过船舷后，卖方即履行了交货义务.适用于海运或内河运输CFR:（Cost and Freight ( port of destination )，成本加运费(指定目的港)卖方负责租船订舱，并支付将货物运至指定的目的港所需要的运费和其他费用，承担货物在装运港越过船舷为止的一切费用和风险。
国际结算笔记
Chapter 7 transaction on L/C and documents in import
application for L/C Filling in the application document, presenting relative certificates and security. issuing of L/C revisal and revocation of L/C Principles for revising L/C: The revised clauses can’t contradict with former clauses; Revisal must be accepted by both the applicant and the beneficiary; Avoid repetitious revisal.
–
Chapter 6 transaction on L/C and documents in export
inconsistent documents Reimbursement Upon receipt of the documents, please debit our account
with ……bank under advice to us; or You are authorized to debit our account with ……bank under advice to us; Drafts are at sight drawn on us; Upon receipt of the documents, we shall remit the proceeds to ……bank; In reimbursement, we shall credit your account with a correspondent and then let us know; The negotiating bank is authorized to claim their reimbursement by cable on XYZ bank; or You are authorized to reimburse yourselves through ……bank.
国际结算听课笔记
第一章国际结算第一节票据概述一、票据的含义广义的票据是指记载一定文字、代表一定权力的书面凭证，包括商业上使用的各种单据或凭证，如发票、提货单、栈单、仓单、保单等。
狭义的票据是专指依规定要式签发和流通的汇票、本票、支票等信用工具，是以支付一定金额为目的。
就本章内容而言，流通票据是专指狭义票据。
票据是出票人委托他人或自己承诺在特定时期向指定人或持票人无条件支付一定款项的书面凭证，它是以支付金钱为目的的特定证券，主要有汇票、本票和支票。
二、票据的特性1、设权性票据开立就是设定票据上的权利与义务关系。
票据持有人的票据权利随着票据的设立而产生，离开了票据就不能证明其票据权利。
票据的转移要交付票据，权利的行使要提示票据。
2、要式性(requisite in form) 票据是一种要式证券，即票据的制作必须具备法定的必要形式和内容，才可以产生票据的效力。
各国的票据法对这些必要项目都已作了详细规定。
3、文义性票据权利依据票据上文字的含义解释4、无因性（non-causative nature)票据是一种无因的证券，即票据是否成立完全不受票据原因的制约。
这里所说的原因是指产生票据上的权利义务关系的原因，即只要票据具备法定要式，债务人无权了解持票人取得票据的原因，应无条件支付款项，持票人也无须说明取得票据的原因。
这一特点有利于票据的流通转让（转让的方式见书）。
5、流通转让性(negotiability)票据是一种可以转让流通的有价证券。
根据《英国票据法》规定：除非票据上写出“禁止转让”字样，或有不可转让的意旨以外，持票人以正当手段取得票据后，都有权将其转让他人，且不必通知原债务人，对受让人而言接受票据即获得票据上全部权利。
6、金钱性（或有价性）票据是以货币金额为付给标的物的有价证券。
他必须以一定的货币金额表现并支付，而不能用实物或其他形式替代。
7、提示性票据上的债权人（持票人）请求债务人（付款人）履行票据义务时，必须先向付款人提示票据。
国际结算笔记2
Chapter3: International Settlement Instruments
※unconditional order to pay无条件付款命令
Pay to ABC co. Or order the sum of one thousand USD$. Pay to ABC co. Providing the goods they supply are complied with contract the sum of ten thousand USD$.不合法，违背无因性 Pay to ABC co. The proceeds in our No.1 account the sum of one thousand USD$.不合法 指明资金来源，有条件的，使银行受额 外条件限制 Pay to ABC co. or order the sum of ten thousand USD$ and （可去掉） charge/debit the sum to applicant’s account maintained with you.不 限定银行如何获得偿付 Pay to ABC co. or order the sum of ten thousand USD$ drawn under 签 发背景L/C No.12345 issued by XYZ bank, N.Y. dated on 15th. Aug. 2004.
payer in order to be paid.
※Restitution 返还型 当付款后资金的所有
权使用权合二为一票据退出流通
※Part4： 国际结算中的业务风险及防
范
Risks in bills Forgery of bills（票据的伪造） – 狭义的票据伪造，指假冒他人名义为出票 行为； – 广义的票据伪造，指假冒他人名义而为的 各种票据行为，包括出票、背书、承兑、 保证等票据行为的伪造。
国际结算笔记5
Chapter 6 L/G Fra biblioteknd Stand-by L/C
– types
tender guarantee, or bid bond
Bid bond is an undertaking given by a bank at the request of a tender in favor of a party inviting tenders abroad, whereby the guarantor undertakes to make payment to the beneficiary within the limit of a stated sum of money in the event of default by the principal in the obligations resulting from the submission of tender.
Chapter 6 L/G and Stand-by L/C
– Parties and procedures Applicant, beneficiary, advising bank, and the issuing bank
– the relationship between the stand-by L/C and the documentary L/C:
charges
Chapter 6 L/G and Stand-by L/C
– The similarities between the Banker’s L/G and L/C Bank credit, that is, bank takes the first payment responsibility; document transactions; similar contents.
国际结算课程第二阶段学习笔记.doc
国际结算课程第二阶段学习笔记网院学号：__ 10011110585 _____ 批次：_____201010____ 专业：___ 电子商务 ____姓名：__ _牛映雪__ _____ 成绩：________一、学习内容1. 学习体系：国际结算第一阶段学习包括以下四个章节：第五章：国际贸易结算中的单据第六章：国际汇款第七章：托收2. 学习目标第五章需要掌握的内容有：商业单据的种类、作用及内容，官方单据的种类、作用，国际货物运输单据的种类、内容（重点）和国际货物运输保险单据的种类、内容等内容，还需要了解无纸贸易。
第六章需要掌握的内容有：汇款业务的基本原理、汇款业务的当事人、汇款业务的方式和“中心汇票”在汇款业务中的应用，同时理解汇款头寸的拨付方法。
第七章需要掌握的内容有：理解托收业务的基本原理，特别是托收的特点；理解跟单托收的条件，掌握托收业务中的资金融通和托收风险防范。
3. 各章节学习重点第五章国际贸易结算中的单据（学习时长：课件点播及光盘线下学习共三个小时，掌握程度：已熟练掌握并能较熟练的运用）1. 商业单据（1）商业发票含义：商业单据系指描述国际货物买卖的合同标的及相关事项的单据，通常由出口商根据合约的规定出具。
内容：首文、本文和结文，其中首文包含发票的名称、编号、出具日期及地点，出具人，抬头人，合同或定单号码，货物的装运状况等；本文有唛头、货物描述、货物数量、包装状况、贸易术语、单价与总额等。
作用：①反映了合同标的的基本状况，详尽地描述了货物的名称、数量、规格、单价、总值、包装及运输状况，是反映出口商履约情况的主要书面证明；②商业发票是全套单据的中心，是出口商必须提交的单据，其他单据的内容须与发票保持一致；③商业发票通常具有重要的价值及法律意义；④商业发票是进、出口商进行会计核算的原始凭证之一。
（2）形式发票形式发票是出口商应进口商的要求，开出的列有货物名称、规格、单价等的一种非正式发票，主要供进口商用于订货参考、申领进口许可证和办理其他进口手续。
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– 流程
D/P
D/A
Chapter5 means of international settlement
– Collection order The collection order is a standard form of authority that enables the exporter to include specific instructions to his bank regarding the documentary collection. If the collecting bank can’t comply with the instructions given in the collection order, it must immediately advise the remitting bank. See exhibit 5-2.
Chapter5 methods of international settlement
– types T/T (telegraphic transfer) : remittance by cable/telex/SWIFT M/T (mail transfer): remittance by airmail (see P71) D/D (demand draft ): remittance by banker’s demand draft. (see P71) A banker’s draft is a negotiable instrument drawn by a bank on its overseas branch or its correspondent bank abroad ordering the latter to pay on demand the stated amount to the holder of the draft.
Chapter5 means of international settlement
– Risks involved in Collection For exporter, Non-acceptance of merchandise; Non-payment of trade acceptance: the exporter takes not only the risk that the time draft will not be accepted, but also the risk that the acceptance will not be paid at maturity; possession of goods; Exchange restrictions.
Chapter5 methods of internationБайду номын сангаасl settlement
Chapter5 methods of international settlement
– Reimbursement methods crediting vostro account of the paying bank: when paying bank opens a current account with the remitting bank, such as In cover, we have credited the sum to your account with us. Debiting remitting bank’s nostro account: when the paying bank maintains the remitting bank’s account, such as: Please debit the sum to our account with you, or You are authorized to debit the sum to our account with you.
Chapter5 means of international settlement
Chapter5 methods of international settlement
Remitting bank: the bank transferring funds at the request of a remitter to its correspondent or its branch in another country and instructing the latter to pay a certain amount of money to a beneficiary. paying bank: the bank entrusted by the remitting bank to pay a certain amount of money to a beneficiary named in the remittance advice. The payee: a person who is addressed to receive the remittance.
Chapter5 means of international settlement
Collection – definition “Collection” means the handling by banks of documents, in accordance with instructions received, in order to: i. Obtain payment and/or acceptance; or ii. Deliver documents against payment and/or against acceptance; or iii. Deliver documents on other terms and conditions.
Chapter5 means of international settlement
– Parties The principal (seller/drawer): the person who prepares documents and submits them to his bank (remitting bank) with a collection order for payment from the buyer (drawee); The remitting bank: the bank receiving documents from the seller for forwarding to the buyer’s bank along with instructions for payment; The collecting or presenting bank: the bank that presents the documents to the buyer and collects cash payment or a promise to pay in the future from the buyer in exchange for the documents. The drawee (buyer): the party that makes cash payment or accepts a draft in exchange for the documents from the collecting bank.
Chapter5 methods of international settlement
Instructing the paying bank to claim reimbursement from another branch of the same bank or another bank with which the remitting bank opens an account: In cover, please reimburse yourselves to the debiting of our account with The Bank of Tokyo, New York. According to the payments agreement between two countries: In cover, you are authorized to debit our Central Bank’s clearing account with your Central Bank.
Chapter5 means of international settlement
– classifications clean collection: means collection of financial documents not accompanied by commercial documents. documentary collection: means collection of: i. Financial documents accompanied by commercial documents; ii. Commercial documents not accompanied by financial documents.
Chapter5 methods of international settlement
Chapter5 methods of international settlement
remittance – definition Remittance refers to a bank (the remitting bank), the request of its customer (the remitter), transfers a certain sum of money to its overseas branch or correspondent bank (the paying bank) instructing it to pay a named person domiciled in that country. – Parties The remitter: the person who requests his bank to remit funds to a beneficiary in a foreign country.