二专国际贸易支付与结算复习简答题答案
国际支付与结算答案
国际⽀付与结算答案I.1. settlement on bank credit2. the potential for currency fluctuation3. to clear the goods for export4. to pay the insurance premium5. to carry out export formalities6. the major participants in international trade7. the commodity inspection clause 8. to fulfill the obligation to deliver the goods9. The goods have passed over the ship’s rail10.International contract is concluded in a completely different context than domestic onesII.1.local legal system, political, exchange risks2.payment in advance, open account, remittance and collection3.letter of credit, bank guarantee4.price terms, delivery terms5.minimum, maximum6.Advance payment7.Open account8.clean collection, documentary collectionIII.1.International trade is the exchange of goods and services produced in one country for goods and services produced in another country.2. A set of terms making clear to both the seller and the buyer their respective obligations in international trade.3.An arrangement between the buyer and seller whereby the goods are manufactured and delivered before payment is required.4.An arrangement whereby the buyer places the funds at the disposal of the seller prior to shipment of the goods or provision of services.5.The sales contract is a written agreement that clearly states the rights and responsibilities of both parties to a transaction.IV.1. F3. T4. T5. T6. T7. F8. T9. T 10. FV.1. B2. C3. C4. B5. D6. D7. A8. C9. C 10. C11. B 12 D 13. D 14. C 15. D16. D 17. C 18. A 19. C 20. DI.1.barter2.medium of exchange3.expensive, risky4.our5.V ostro6.vostro7.nostro8.specimen of authorized signatures,telegraphic test keys, terms and conditions,Swift authentic keysII.1. A bank having direct connection or friendly service relations with another bank.2.International settlements are financial activities conducted among differentcountries in which payments are effected or funds are transferred from one country to another in order to settle accounts, debts, claims, etc. emerged in the course of political, economic or cultural contracts among them.3.Visible Trade is the importing / exporting of commodities and goods between the4.Financial transaction refers to all kinds of foreign exchange market transactions, government supported export credits, syndicated loans, international bond issues, etc.5.V ostro account is an account held by a bank on behalf of a correspondent bank. III./doc/3310b29852d380eb63946d00.html mercial credit2.control documents3.account relationship4.cash settlement5.financial intermediaryIV.1. T2. F3. F4. T5. FV.1. B2. C3. D4. A5. D6. B7. B8. D9. A 10. BChapter ThreeI.1. generally crossed check2. specially crossed check3. a check that is out of date4. post dated check5. amount in words6. blank endorsement7. special endorsement 8. restrictive endorsement11. usance/term bill 12. acceptance bill13. determinable future date 14. clean bill15. negotiable instrument 16. discounting house17. merchant bank 18. unconditional promise of payment19. joint and severally responsible 20. payable 90 days after dateII.1. A negotiable instrument is a chose in action, the full and legal title to which istransferable by del ivery of the instrument (possibly with the transferor’s endorsement) with the result that complete ownership of the instrument and all the property it represents passes free from equities to the transferee, providing the latter takes the instrument in good faith and for value.2. A bill of exchange is an unconditional order in writing, addressed by one person toanother, 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, or to bearer.3. A check is an unconditional order in writing addressed by the customer to a banksigned by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer.4.It is a bill with shipping documents attached thereto.5. A crossing is in effect an instruction to the paying bank from the drawer or holderto pay the fund to a bank only.III.1. T2. F3. T4. T5. T6. F7. T8. T9. T 10. T11. T 12. T 13. T 14. F 15. T16. T 17. T 18. F 19. F 20. FIV.1. C2. A3. C4. B6. B7. A8. C9. B 10. B11. B 12. D 13. C 14. C 15. C16. B 17. B 18. A 19. A 20. C V.1.China National Crafts Import & Export Corp.2.ABC Company3.the Bank of China4.Tenor draft5.In two sets6.ShanghaiVII.Chapter FourI.1. beneficiary2. payment order, mail advice or debit advice3. the remittance amount is large,the transfer of funds is subject to a time limit test key4. sell it to his own bank crediting his account5. debits6.demand draft7. act of dishonor8. Swiftness, reliability, safety, inexpensiveness9. debiting remitting bank’s nostro account10. delivery of the goodsII.1. I nternational remittance means a client (payer) asks his bank to send a sum of money to a beneficiary abroad by one of the transfer methods at his option while the beneficiary can be paid at the designated bank which is either the remitting bank’s overseas branch or its correspondent with a nostro account.2. Remitting bank is 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.3. A mail transfer is to transfer funds by means of a payment order or a mail advice, or sometimes a debit advice issued by a remitting bank, at the request of the remitter.4. A banker’s demand draft is a negotiable instrument drawn by a bank on its overseas branch or its correspondent abroad ordering the latter to pay on demand the stated amount to the holder of the draft.5. Cancellation of the reimbursement under mail transfer or telegraphic transfer is usually done before its payment is made at the request of the remitter or the payee who refuses to receive the payment.III.1.remittance advice2.outward remittance3.international money order4.current account5.automated payment system6.in cover7.letter of indemnity8.mail advice9.non-negotiable copy of draft10. down paymentIV.1B 2C 3A 4B 5D6 D7 B8 C9 B 10 D Chapter FiveI.1. presenting bank2.title documents, pays the draft, accepts the obligation to do so.3.legal, the exchange control authorities4. the payment is made5.inward collection7. the remitting bank8. trust receipt9. D/P at sight10.documents, draft, and collection orderII.1. Collection is an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and/or shipping documents are forwarded to the seller’s bank with clear instructions for collection through one of its correspondent banks located in the domicile of the buyer.2. The case of need is the representative appointed by the principal to act as case of need in the event of non-acceptance and/or non-payment, whose power should be clearly and fully stated in the collection.3. Documentary collection is a collection of financial instruments being accompanied by commercial documents or collection of commercial documents without being accompanied by financial instruments, that is, commercial documents without a bill of exchange. Alternatively, the documentary collection is a payment mechanism that allows the exporters to retain ownership of the goods until they receive payment or are reasonably certain that they will receive it.4. Outward collection is a banking business in which a bank acting as the remitting bank sends the draft drawn against an export with or without shipping documents attached, to an appropriate overseas bank, namely, the collecting bank to get the payment or acceptance from the importer.5. Collection bill purchased is a kind of financing by banks for exporters under documentary collection methods. It means that the remitting bank purchases the documentary bill drawn by the exporter on the importer. It involves great risk for the remitting bank due to lack of a guarantee.III.1.cash against documents2. trade acceptance3. case of need4. bill purchased5. title document6. on consignment7.direct collection 8. shipping documents9. documents against payment 10. time/ tenor/term/ usance draftIV.1A 2B 3C 4A 5B 6 A 7 C 8A 9 A 10 D Chapter SixI.1.The Documentary Credit or letter of credit is an undertaking issued by a bank forthe account of the buyer (the applicant) or for its own account, to pay the beneficiary the value of the draft and/or documents provided that the terms and conditions of the documentary credit are complied with.2. A credit that carries the commitment to pay by both the issuing bank and theadvising bank.3. A credit by which, under the terms and conditions thereof, the amount is renewed4.A bank, usually the advising bank, which adds its undertaking to those of theissuing bank and assumes liability under the credit.5.The applicant is always an importer or a buyer, who fills out and signs anapplication form, requesting the bank to issue a credit in favor of an exporter or a seller abroad. II.1. F2. T3. T4. F5. T6. F7. F8. T9. T 10. F 11. T 12. T 13. F 14. F 15. T III.1.silent confirmation2.to expire at the counters of the issuing bank3.to pay against documents presenting the goods4. A credit places a bank’s credit instead of commercial credit.5. A credit stands independent of the sales contract.IV.1. B2. C3. D4. B5. A6. D7. D8. C9. C 10. C 11. D 12. D 13. A 14. D 15. B16. D 17. D 18. D 19. A 20. B Chapter SevenI./doc/3310b29852d380eb63946d00.html pleteness, correctness, consistency2.underlying transaction3.authorized signatures, test key5.ISO currency codeII.1.apparent authenticity of the credit2.international standard banking practice3.data communication network4.to have sufficient funds to cover the credit5.It is equally important that the buyer’s own requirements be taken into account. III.1. F2. F3. F4. T5. T6. T7. F8. T9. F 10. TIV.1. B2. D3. C4. B5. C6. C7. A8. A9. D 10. D 11. A 12. D 13. D 14. A 15. B Chapter EightI.1.The commercial invoice is the key accounting document describing thecommercial transaction between the buyer and the seller. It is a document giving details of goods, service, price, quantity, settlement terms and shipment.2.An export license is a document prepared by a government authority of a nationgranting the right to export a specific quantity of a commodity to a specified country.3. A bill of lading is a document issued by a carrier to a shipper, signed by thecaptain, agent, or owner of a vessel, providing written evidence regarding receipt of the goods, the conditions on which transportation is made, and the engagement to deliver goods at the prescribed port of destination to the lawful holder of the bill of lading.to shipment and the results of the inspection.5. A consular invoice is an invoice covering a shipment of goods certified in the country of export by a local consul of the country for which the merchandise is destined. II.1.strategic commodity2.General System of Preference3.with reserved berth4.multi-modal transport bill of lading5.sampling methodologyIII.1. F2. F3. T4. T5. F6. F7. F8. T9. T 10. FIV.1. A2. B3. D4. A5. C6. C7. C8. C9. C 10. D 11. A 12. D 13. D 14. A 15. A 16. A 17. B 18. A 19. C 20. D Chapter NineI.1.acceptable accounts receivablenon-recourse and notification2. collection as well as the risk of credit losses3. the level of sales5. growing demands6. purchasing the client’s accounts receivables7.financial and administration8.the invoice datethe customer makes his payment.9.market conditions and his assessment of the risks involved in a particulartransaction.10. fluctuations in the exchange ratein the status of the debtorII.1. Factoring is a form of trade financing that allows sellers to sell their products to overseas buyers essentially on an open account basis. In simple terms, factoring is the purchase of claims, arising from sales of goods, by a specialized company known as factoring company or factor. Factoring is in fact a three-party transaction between the factor and a business entity,i.e. the exporter selling goods or providing services to foreign the importer.2. Forfaiting is the term generally used to denote the purchase of obligations falling due at some future date, arising from deliveries of goods and services----mostly export transactions---without recourse to any previous holder of the obligation. Simply speaking, forfaiting is the business of discounting medium-term promissory notes or drafts related to an international trade transaction.III.1. contingent liability2. credit limit3. supplier credit4. without recourse5. credit approval6. capital goods7. buyer credit guarantee 8. forfait facility9. trade barrier 10. bulk purchase discountIV.1. B2. A3. D4. C5. D Chapter TenI.1.secure mechanism for paymentdefault instrument2.party tenderingthe contract has been awarded3. presentation of the beneficiary's demand and stipulated documentation4. issue a guarantee directly to the beneficiary5. Unconditional bonds6. withdraw its bidaccept the award of contract in its favorbetween 2% and 5%7.UCP for documentary creditsUniform Rules for Demand Guarantee.8.An advance payment9.borrower (the principal)the lender (the beneficiary)10. counter indemnityII.1. A bank guarantee is an instrument for securing performance or payment especially in international business. It is a written promise issued by a bank at the request of its customer, undertaking to make payment to the beneficiary within the limits of a stated sum of money in the event of default by the principal. It may also be defined as an independent obligation where the guarantor has to make a special agreement with its customer, ensuring that it will be refunded by him for any payment to be effected under the contract of guarantee.2. A beneficiary is the party in whose favor the guarantee is issued. He is secured against the risk of the principal’s not fulfilling his obligations towards the beneficiary in respect of the underlying transaction for which the demand guarantee is given. He will not obtain a sum of money if the obligations are not fulfilled.3. An indirect guarantee is a guarantee where a second bank, usually a foreign bank located in the beneficiary's country of domicile, will be requested by the initiating bank to issue a guarantee in return for the latter's counter-guarantee.4. A performance bond is an undertaking given by the guarantor at the request of a supplier of goods or services or a contractor to a buyer or beneficiary, 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 supplier or the contractor in due performance of the terms of a contract between the principal and the beneficiary.5. A standby letter of credit is a clean letter of credit that generally guarantees the payment to be made for an unfulfilled obligation on the part of the applicant. It is payable on presentation of a draft together with a signed statement or certificate by the beneficiary that the applicant has failed to fulfill his obligation.III.1.performance bond2. letter of guarantee3.counter indemnity4. accessory guarantee5.stand-by letter of credit6. engineering contracting7.underlying transaction 8. demand guarantee9.deferred payment bond 10. counter guaranteeIV.1. B2.A3. A4. D5. C6 B7 C8 D9 B 10 AChapter ElevenI.1.collection operations for drafts and for documentary collections2.all collections, “collection instruction”3.all Documentary Credits, Credit4.all Bank-to-Bank Reimbursements, Reimbursement Authorization.5.any demand guarantee and amendment thereto, Guarantee or any amendment thereto.6.documents, goods, terms and conditions7.codification of rulesbanking practice regarding documentary credits8. international finance, trade, transportation and computer technology9.quite different from the practice of guarantee, banking and commercial10. bank-to-bank reimbursementsII.1.reimbursement claim2. arbitral award3. banking commission4. multi-transport5. reimbursement undertaking6. banking practices7. containerized traffic 8. non-negotiable waybill9. tenor collection presentation 10. International Chamber of CommerceⅢ.Ⅳ.1. B2. D3. C4. A5. DChapter TwelveI.1.payment information, transfer value2.confirmation number, confirmation help and notification3.for procedures and message formats, computer readable/doc/3310b29852d380eb63946d00.html rmation, value, net amount5．high speed and accuracy6. access to the system for the settlement of international money transfers7. faster, more reliable communication, lower transmission costs8. the international clearing house9. standardized formats10. inter-bank dollar-denominated, CHIPSII.1. cash positions2. bookkeeping entry3. financial intermediary4. customer transfers5. account reconciliation6. Fed Wire7. non-settlement bank 8. fund transfer system9. secondary payment system 10. reserve balance account11. automated clearing house 12. financial institution transfers 13. non-profit cooperative society 14. foreign exchange deal and loan 15. Clearing House Inter-bank Payments SystemIII.1. A payment system is the means whereby cash value is transferred between a payer’s bank account and a payee’s bank account.2. SWIFT (Society for Worldwide Inter-bank Financial Telecommunication) is a computerized international telecommunications system which, through standardized formatted messages, rapidly processes and transmits financial transactions and information among its members around the world.3. CHIPS (Clearing House Inter-bank Payment System) is a pseudo-wire system in New York City that handles an enormous volume of cash flow between local financial institutions. CHIPS is a settlement system involving primarily about 135 New York City financial institutions and is operated by the New York Clearing House Association.4. Clearing House Automated Payments System (CHAPS) is a system of sending and clearing payments on a same-day basis that is available nationwide in Britain and is operated by a number of settlement banks that communicate directly through computers.5. Fed Wire is a fund-transfer system operated nationwide in the USA by the Federal Reserve System (the Fed, Central Bank of the USA) that handles transfer from one financial institution to another with an account balance held with the Fed.IV.1. B2. A3. D4. B5. CV.1. T2. T3. F4. T5. FChapter ThirteenI.1.purchaser or the holderreplaced2.clerk or the tellera small commission3.the initial signaturethe countersignature4.banking instrumentsretailing5. (assigned) merchant6. annual income and the credit standing7. issuance, application and clearing8.consumer’s creditcurrent account9. separate listing of their cheque numbers10. paying the bill in fulldrawing revolving creditII.1. initial signature2. entrance fee3. selling agent4. assigned merchant5. traveler’s cheque6. purchase receipt7. current account 8. sales slip9. paying agent 10. membership dues11. consumer’s credit12. authorized signature13. American Express Card 14. non-trade settlement15. retailing banking businessIII.1. A traveler’s cheque is a specially printed form of cheque issued by a financial institution, leading hotels, and other agencies in preprinted denominations for a fixed amount to a cu stomer for use when he is going to travel abroad. A traveler’scheque is actually a draft of a bank or other agency, which is self-identifying and may be cashed at banks, hotels, etc., either throughout the world or in particular areas only.2. A paying agent is one that undertakes by arrangement with the issuer to pay the latter’s traveler’s cheques when presented by the holder.3. Credit cards are instruments issued by banks to carefully selected customers with a line of credit ranging from several hundred to several thousand dollars based on the latter’s financial status for use in obtaining, on credit, consumer goods, services and other things when necessary.4. A cardholder is the customer who has a current account with the card-issuing bank and whose credit is good, and who based on his financial status can obtain, on credit, consumer goods, services and other things when necessary.5. A merchant is a store, hotel or restaurant that are bound to have a pre-arrangement with the card-issuing bank and are willing to accept the credit card for payment of commodities sold or services renderedIV.1. B2. D3. A4. C5. BV.1. T2.F3. T4. T5. FChapter FourteenI.1. medium of high-speed digital transactions2. business-to-business commerce, its breadth of coverage and ease of use3.Putting up a Web site, luring online shoppers in4. “e-cash”, “cyber-money”5. stored-value products and access products (such as a bank ATM card)6. transfer of financial value7. advertising purposes8. phone orders and credit card orders9. digital signatures10. debit card account.II.1. cyber-payment2. e-cash3. line of credit4. digital currency5. electronic wallet6. automated teller machine7.globalization of commerce8. personal identification number9. microchip-embedded smart card 10. Secured Electronic Transactions Standards 11. electronic commerce 12. encoded magnetic stripe13. access device 14.debit card15.virtual fingerprintIII.1. Electronic commerce is the ability to purchase goods and services electronically over the Internet from around the world at any time of day or night.2. Cyber-payment means the methods that have been implemented to transfer money, new methods of financial transactions as today banks already can transfer money with computers.3. SET is a single technical standard for safeguarding credit (and in the near future debit) card purchases made over the open networks of the Internet. It is an international protocol that details how credit card (and debit card) transactions on the Internet will be secured using encryption technology and digital certification.4. A digital signature is a way to encrypt a message so that the recipient can decode it and be certain of the authenticity of the transaction.5. Smart cards are micro- processor-equipped cards that work with card readers installed in the computers of consumers. IV.1. A2. B3. C4. D5. D6.C7. B8. A9. D 10. BV.1. F2.T3. T4. F5. T6. T7.T8. F9. F 10. F。
国际结算考试题目及答案
国际结算考试题目及答案一、单项选择题（每题2分，共20分）1. 国际结算中，信用证支付方式的特点是什么？A. 风险较高B. 费用较高C. 安全性高D. 灵活性强答案：C2. 在国际贸易中，哪种支付方式是卖方风险最小的？A. 信用证B. 托收C. 汇付D. 承兑交单答案：A3. 托收结算方式中，托收行对托收款项的支付不承担什么责任？A. 付款责任B. 托收责任C. 收款责任D. 通知责任答案：A4. 信用证结算方式下，开证行对受益人的付款承诺是：A. 无条件的B. 有条件的C. 有期限的D. 有金额限制的答案：B5. 信用证结算方式中，受益人提交的单据不符合信用证条款，开证行将如何处理？A. 拒绝付款B. 接受单据C. 与申请人协商D. 要求修改信用证答案：A6. 汇付结算方式中，汇入行对汇入款项的支付不承担什么责任？A. 付款责任B. 托收责任C. 收款责任D. 通知责任答案：A7. 在国际贸易中，哪种支付方式是买方风险最小的？A. 信用证B. 托收C. 汇付D. 承兑交单答案：C8. 信用证结算方式下，开证行对受益人的付款承诺是基于什么条件的？A. 单据相符B. 货物相符C. 合同相符D. 信用相符答案：A9. 托收结算方式中，托收行对托收款项的支付承担什么责任？A. 付款责任B. 托收责任C. 收款责任D. 通知责任答案：B10. 汇付结算方式中，汇入行对汇入款项的支付承担什么责任？A. 付款责任B. 托收责任C. 收款责任D. 通知责任答案：C二、多项选择题（每题3分，共15分）1. 信用证结算方式中，受益人需要提交的单据通常包括哪些？A. 发票B. 装运单据C. 保险单D. 信用证副本答案：A B C2. 在国际贸易中，常见的结算方式有哪些？A. 信用证B. 托收C. 汇付D. 承兑交单答案：A B C D3. 信用证结算方式下，开证行对受益人的付款承诺是基于什么条件的？A. 单据相符B. 货物相符C. 合同相符D. 信用相符答案：A4. 托收结算方式中，托收行对托收款项的支付承担什么责任？A. 付款责任B. 托收责任C. 收款责任D. 通知责任答案：B C5. 汇付结算方式中，汇入行对汇入款项的支付承担什么责任？A. 付款责任B. 托收责任C. 收款责任D. 通知责任答案：A C三、判断题（每题1分，共10分）1. 信用证是一种无条件的付款承诺。
国贸复习思考题 货款的结算 参考答案
货款的结算一、单项选择题1、属于顺汇方法的支付方式是。
（A）A、汇付B、托收C、信用证D、银行保函2、使用D/P、D/A和L/C三种结算方式，对于卖方而言，风险由大到小依次为（A ）A、D/A、D/P和L/CB、L/C、D/P和D/AC、D/P、D/A和L/CD、D、D/A、L/C和D/P3、属于银行信用的国际贸易支付方式是(C)。
A、汇付B、托收C、信用证D、票汇4、在国际贸易中，用以统一解释调和信用证各有关当事人矛盾的国际惯例是 (B)。
A、《托收统一规则》B、《国际商会600号出版物》C、《合约保证书统一规则》D、《国际商会434号出版物》5、一张有效的信用证，必须规定一个(B)。
A、装运期B、有效期C、交单期D、议付期6、按照《跟单信用证统一惯例》的规定，受益人最后向银行交单议付的期限是不迟于提单签发日的 (C)。
A、11B、15C、21D、257、保兑行对保兑信用证承担的付款责任是。
(A)A、第一性的B、第二性的C、第三性的D、第四性的8、信用证的第一付款人是 (B)。
A、进口商B、开证行C、出口商D、通知行9、出票人是银行，受票人也是银行的汇票是 (B)。
A、商业汇票B、银行汇票C、光票D、跟单汇票11、持票人将汇票提交付款人要求承兑的行为是 (D)。
A、转让B、出票C、见票D、提示12、支票是以银行为付款人的 (A)。
A、即期汇票B、远期汇票C、即期本票D、远期本票13、T/T指的是 (B)。
A、信汇B、电汇C、票汇D、信用证14、D/P sight指的是 (B)。
A、远期付款交单B、即期付款交单C、跟单托收D、承兑交单15、下列几种结算方式中，对卖方而言风险最大的是 (B)。
A、票汇B、承兑交单C、即期付款交单D、远期付款交单16、在补偿贸易或易货贸易中经常使用的信用证是 (B)。
A、循环信用证B、对开信用证C、对背信用证D、红条款信用证17、根据UCP 600的规定，可转让信用证只能转让 (A)。
国际结算复习题及其答案
国际结算复习题及其答案一、单项选择题1. 国际结算中，信用证支付方式的主要特点是（）。
A. 以货物为基础B. 以银行信用为基础C. 以商业信用为基础D. 以个人信用为基础答案：B2. 根据《国际贸易术语解释通则》，FOB术语下，卖方负责将货物运至船边，而买方负责（）。
A. 支付所有运输费用B. 支付所有保险费用C. 支付货物装船费用D. 支付货物卸船费用答案：C3. 在国际结算中，托收结算方式下，出口方将单据交给（）。
A. 进口方银行B. 出口方银行C. 进口方D. 出口方答案：B二、多项选择题1. 国际结算中，以下哪些属于支付方式？（）A. 信用证B. 托收C. 汇款D. 保函答案：A、B、C、D2. 根据《国际贸易术语解释通则》，以下哪些术语要求卖方负责货物的运输费用？（）A. CIFB. CIPC. DDPD. EXW答案：A、B、C三、判断题1. 在信用证结算方式下，银行对单据的审核是无条件的。
（）答案：×（错误）2. 托收结算方式下，银行不承担任何付款保证责任。
（）答案：√（正确）四、简答题1. 简述信用证结算方式下，银行的角色和责任。
答案：在信用证结算方式下，银行作为信用证的开证行，主要负责按照信用证条款审核单据，并在单据符合信用证条款的情况下，向受益人支付款项。
银行对单据的审核是有条件的，即只对单据的表面真实性负责，而不涉及货物的实际状况。
银行的角色是中介和支付保证，其责任是确保信用证条款得到履行。
2. 描述汇款结算方式下，汇款人和收款人的权利和义务。
答案：在汇款结算方式下，汇款人有义务按照约定向银行支付款项，而银行则有责任将款项汇至收款人。
收款人的权利是收到汇款，义务是在收到款项后，按照约定履行相应的义务，如交付货物或提供服务。
汇款人的权利是要求银行按照约定完成汇款，义务是支付汇款款项。
国际结算考试题及答案
国际结算考试题及答案一、选择题1. 国际结算是指（）。
A. 国内企业与国外企业之间的货币结算B. 国内企业与国内企业之间的货币结算C. 国外企业与国外企业之间的货币结算D. 国外企业与国内企业之间的货币结算答案：D2. 以下哪个是国际结算的特点之一（）。
A. 结算币种相同B. 结算方式一致C. 结算方式多样D. 结算币种多样答案：D3. 下列哪种方式不属于国际结算的主要方式（）。
A. 资金结算B. 托收结算C. 信用证结算D. 缴纳税款答案：D4. 以下哪个不是外汇市场的主要参与者（）。
A. 商业银行B. 中央银行C. 政府机构D. 零售客户答案：D5. 外汇市场的主要参与者通过（）进行交易。
A. 交割行B. 交易平台C. 清算行D. 结算行答案：B二、简答题1. 请简要介绍国际结算的分类方式。
答：国际结算可以按照结算币种、结算方式和结算地点等进行分类。
按照结算币种可以分为单币结算和多币结算；按照结算方式可以分为付款结算、托收结算、信用证结算等；按照结算地点可以分为跨境结算和同城结算。
2. 请简要说明托收结算的流程。
答：托收结算是指出口商通过银行将出口商品的单据托收给进口商的银行，进口商的银行负责收款并通知进口商。
托收结算流程一般包括出口商将单据交给本地银行，本地银行经过审核后将单据发送到进口商的银行，进口商的银行收到单据后通知进口商进行付款，最后进口商付款给进口商的银行，进口商的银行再将款项转给出口商的银行。
三、应用题某公司与境外供应商A签订了一份货物销售合同，合同金额为50,000美元，合同约定采用信用证结算方式。
合同条款如下：1. 信用证金额：50,000美元2. 信用证有效期：2019年1月1日至2019年12月31日3. 装运期限：2019年3月1日至2019年3月31日4. 单据要求：商业发票、装箱单、产地证明等请回答以下问题：1. 请列出双方在信用证结算方式下的权利和义务。
答：供应商A的权利：在合同有效期内向信用证银行提交符合信用证要求的单据，并获得款项支付。
国际贸易结算(二)_真题(含答案与解析)-交互
国际贸易结算(二)(总分197, 做题时间90分钟)一、单项选择题(以下各小题所给出的4个选项中，只有1项最符合题目要求)1.本票是出票人签发的，承诺( )在见票时无条件支付确定的金额给收款人或持票人的票据。
SSS_SINGLE_SELA 出票人本人B 承兑人C 付款人D 议付行分值: 1答案:A[解析] 《中华人民共和国票据法》规定，本票是持票人签发的，承诺自己在见票时无条件支付确定金额给收款人或持票人的票据。
2.在承兑交单方式下，如果托收单据中附有汇票，则应要求付款人在汇票上进行承兑，承兑的内容一般应包括( )。
SSS_MULTI_SELA “承兑”字样B 承兑日期或到期日C 承兑人的E-mailD 承兑人签字分值: 1答案:A,B,D[解析] 承兑是指汇票付款人承诺在汇票到期日支付汇票金额的票据行为。
承兑的具体做法是：由付款人在汇票正面写上“已承兑”字样，注明承兑的日期，并由付款人签名，交还收款人或其他持票人。
3.支票的当事人和付款时间分别为( )。
SSS_SINGLE_SELA 三个当事人，即/远期付款B 三个当事人，即期付款C 二个当事人，即/远期付款D 二个当事人，即期付款分值: 1答案:B[解析] 支票有三个基本当事人：出票人、付款人和收款人。
支票都是即期的，必须见票即付。
4.下列关卡指示性抬头汇票的转让，表述正确的是( )。
SSS_SINGLE_SELA 须经过背书方可转让B 不能通过背书转让C 无须背书，凭交付即可转让D 不能转让分值: 1答案:A[解析] 指示性抬头的汇票，除被指定人可以收取汇票外，也可以由指定人经过背书转让给第三者。
5.在托收和汇付支付条件下，单据的缮制必须以( )为依据，如有特殊要求，应参照相应文件或资料。
SSS_SINGLE_SELA 信用证B 发票C 合同D 提单分值: 1答案:C[解析] 与信用证支付条件下，单据的缮制必须以信用证为依据不同的是，在托收和汇付支付条件下，单据的缮制以合同为依据。
国际支付与结算复习整理(1)
国际结算期末复习考试题型一、判断题（每题1分共10分）二、选择题（单选和多选，每题2分，20分）三、名词解释（每题4分，20分）先翻译成中文，再用中文解释1.international trade 国际贸易国际贸易是以一国的产品和劳务交换另一国的产品和劳务。
通常情况下，国与国之间并不直接用产品和劳务相交换，而是以销售产品所得的收入来购买另一国的产品和劳务。
2.trade terms贸易术语也被称为价格术语（Price T erms），是在长期的国际贸易实践中产生的，用来表示成交价格的构成和交货条件，确定买卖双方风险、责任、费用划分等问题的专门用语。
3.open account赊销这是一种在买方没有支付货款之前卖方先交货的支付安排。
赊销一般允许买方在规定的未来某一天付款而不需要发行任何议付工具来表明其法定许诺。
卖方必须对买方在约定日期付款有绝对自信。
这种支付方式对买方风险最小，对卖方风险最大。
4.advance payment预付买方在卖方装运货物或提供服务之前把资金置于卖方处置之下。
这种支付方式对买方成本和风险较高，往往用于资本密集型制造产品或专业化服务。
且同意预先支付一部分资金或者分批付款。
5. correspondent bank relationship代理行关系代理行是指与其他国家建立往来账户，代理对方的一些业务，为对方提供服务的银行。
对一家银行来说，代理行实际上不附属于本银行，代理行关系就是不同国家银行之间建立的结算关系。
6. cross check划线支票支票的划线实际上是出票人或持票人提示付款银行只能将资金存入银行帐户的指示。
因此，划线支票不能在付款银行取现，必须由代收行向付款行提示付款。
7. bill of exchange汇票汇票是一人开给另一人的无条件书面命令，由发出命令的人签名，要求接受命令的人立即或者可以在确定的将来时间把一定金额的货币支付给一个特定的人，或他的指定人，或持票人。
二专国际贸易支付与结算复习简答题答案
二专国际贸易支付与结算复习简答题答案《国际贸易支付与结算》简答题1）票据的特性和促进作用特性：票据附有票据权利、具有文义性。
票据又被成为无因证券，还被称为流通证券。
票据是“可以流通的”、“可转让的”、“可让渡的”。
作用：票据具有信用作用、可以用于支付、还具有流通作用。
2）详述汇票的票据犯罪行为常见的票据行为有出票、背书、提示、承兑、付款、追索以及保证。
3）电汇的当事人和电汇的业务流程汇付业务中有四个当事人，即：汇款人，汇出行，会入行，收款人电汇流程：（1）提出申请、到账交费（2）收到退款命令书（3）通告（4）说明身份，出示收据（5）探知收款人身份后退款（6）播发付讫通告4）托收的含义和即期付款交单的业务流程所谓PR内江债所指的就是，收到委托只是的银行处置金融单据及/或商业单据以便获得汇票或退款，或凭汇票或退款取回商业单据，或凭其他条件取回单据。
即期付款交单的业务流程：（1）建立合同，规定以即期付款交单方式支付（2）按合同装运（3）制单、申请托收（4）寄出按申请书缮制的托收指示书以及单据（5）提示付款（6）审单（如接受、付款）（7）交单（8）款项划拨5）PR内江债方式下出口方必须特别注意的问题1、出口方务必重视对买方信用和信誉的调查，涉及金额不宜过大。
2、出口方存有必要对进口国的有关法律以及操作方法展开介绍，以防止风险。
必要的话，双方应当在买卖合同中用明晰的文字说明合约下的PR内江债方式的含义。
3、对进口及外汇管制校验的国家出口，出口方应该在确定进口人已经获得有关进口许可或外汇额度后再发货，以免进口人因为无法清关或者无法付汇而拒付。
4、采用托收方式支付时，出口人应该争取采用cif术语成交。
出口方如有必要，应该投保“卖方利益险”。
5、使用PR内江债缴付方式，原则上必须采用海运新秦中、多式中转单据等运输单据并且制成能够掌控物权的走跌，以便约束卖方退款或汇票。
6、出口方在填写托收申请书时应该注意，要求应该明确，信息应该完整，并且如果涉及，应该注意关于费用、利息、拒绝证书以及需要时代理的权限的说明，否则可能会产生无法预料的后果。
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《国际贸易支付与结算》简答题
1）票据的特性和作用
特性：票据附有票据权利、具有文义性。
票据又被成为无因证券，还被称为流通证券。
票据是“可以流通的”、“可转让的”、“可让渡的”。
作用：票据具有信用作用、可以用于支付、还具有流通作用。
2）简述汇票的票据行为
常见的票据行为有出票、背书、提示、承兑、付款、追索以及保证。
3）电汇的当事人和电汇的业务流程
汇付业务中有四个当事人，即：汇款人，汇出行，会入行，收款人
电汇流程：（1）申请、缴款缴费（2）发出付款指示书（3）通知（4）表明身份，出具收据（5）验明收款人身份后付款（6）发付讫通知
4）托收的含义和即期付款交单的业务流程
所谓托收指的是，接到委托只是的银行处理金融单据及/或商业单据以便取得承兑或付款，或凭承兑或付款交出商业单据，或凭其他条件交出单据。
即期付款交单的业务流程：（1）建立合同，规定以即期付款交单方式支付（2）按合同装运（3）制单、申请托收（4）寄出按申请书缮制的托收指示书以及单据（5）提示付款（6）审单（如接受、付款）（7）交单（8）款项划拨
5）托收方式下出口方应该注意的问题
1、出口方务必重视对买方信用和信誉的调查，涉及金额不宜过大。
2、出口方有必要对进口国的有关法律以及操作方法进行了解，以避免风险。
必要的
话，双方应在买卖合同中用明确的文字说明合同下的托收方式的含义。
3、对进口及外汇管制校验的国家出口，出口方应该在确定进口人已经获得有关进口
许可或外汇额度后再发货，以免进口人因为无法清关或者无法付汇而拒付。
4、采用托收方式支付时，出口人应该争取采用CIF术语成交。
出口方如有必要，应
该投保“卖方利益险”。
5、采用托收支付方式，原则上应该使用海运提单、多式联运单据等运输单据并且做
成能控制物权的抬头，以便约束卖方付款或承兑。
6、出口方在填写托收申请书时应该注意，要求应该明确，信息应该完整，并且如果
涉及，应该注意关于费用、利息、拒绝证书以及需要时代理的权限的说明，否则可能会产生无法预料的后果。
6）简述信用证业务的特点
信用证是开证行应开证申请人的请求，向受益人开立的在一定条件下保证付款的凭证。
信用证支付方式下，银行提供了信用。
信用证下银行只处理单据，因此，信用证业务是“纯单据业务”。
信用证是独立于买卖合同的自足文件。
7）信用证的一般业务流程
（1）建立买卖合同（2）申请开证（3）开证（4）通知（5）审证、装运（6）制单、交单、议付（7）寄单索偿、到期付款（8）付款赎单（9）提货
8）通知行和受益人如何分别入手审核信用证
通知行：在以下方面做审核1、开证行及保兑行的资信2、信用证中的限制条款3、偿付路线
受益人审证：1、找出与合同不符点2、找出难以实施的条款3、找出无法操作的条款4、找出高风险条款5、找出将额外增加费用的条款6、找出“软条款”
9）国际保理的概念和采用保理服务应该注意的问题
概念：国际保理又称国际保付代理。
按《国际保理通用规则》，不管是否包含提供融资，国际保理协议至少包括应收账款管理、催收应收账款或坏账担保中的一项服务。
通常，在国际保理业务中，保理商按照保理协议，为出口商调查进口商的资信，核准进口商信用额度，并且在核准额度内可以无追索地买下代表债券的出口供货商的应收账目，同时向出口商提供一定比例的无追索融资。
应注意的问题：1、在保理业务环节中，保理商只承担核准的信用额度下的财务风险，他并不担保买卖合同的纠纷。
如果因为出口商违约而导致进口商拒付，保理商仍有追还已贷款项的权利。
2、在保理方式下，出口商需要承担较高的相关费用。
一般，供货商付给进、出口保理商的佣金可达发票金额的0.6%~1.2%，除此之外，还要支付有关的单据处理费和手续费用。
3.保理业务下的融资利率也较高，因此，出口上在出口报价时应该对此加以充分考虑。
保理商要注意信用风险。