国际结算chapter 9-non-trade payments and settlements
国际支付与结算(修订本)
國家名稱（中文） 阿根廷 埃及 澳大利亞 澳大利亞 澳大利亞 巴基斯坦 巴拿馬 巴西 冰島 丹麥 德國 德國 德國 俄羅斯 法國 菲律賓 斐濟 荷蘭 加拿大
港口英文名稱 Buenos Aires Cairo Melbourne Perth Sydney Karachi Panama City Rio de Janeiro Reykjavik Copenhagen Berlin Bonn Frankfurt Moscow Paris Manila Nandi Amsterdam Montreal
美商海陆联运公司（Sea land Service Inc.); 美国总统轮船公司(American President Lines-APL); 日本邮船公司（Nippon Yusen Kaisha-NYK); 川崎汽船株式会社(Kawasaki Kisen Kaiska Line) COSCO中国远洋运输公司（China Ocean Shipping Company)
周次
周学时
主要教学内容
习题课或实验课内容
1
2
C1, Brief introduction to international trade
2
2
C1, Brief introduction to international trade C2, Introduction to international payments and settlements
港口中文名稱 布宜諾斯艾利斯 開羅 墨爾本 帕斯 悉尼 卡拉奇 巴拿馬城 里約熱內盧 雷克雅未克 哥本哈根 柏林 波恩 法蘭克福 莫斯科 巴黎 馬尼拉 楠迪 阿姆斯特丹 蒙特利爾
加拿大 肯尼亞 黎巴嫩 毛里求斯 美國 美國 美國 美國 美國 美國 美國 美國 民主也門 墨西哥 南非 尼日利亞 挪威 日本 日本 日本
商务英语翻译Unit 9 国际结算
Section I
Section I 译例研究
Hale Waihona Puke 译例研究Introduction
• 国际结算（ International Settlement ）是一项 国际银行业务（International Banking），指为 清偿国际间债权债务关系或跨国转移资金而通过 银行来完成的跨国（地区）货币收付活动，是国 际间结清贸易和非贸易往来而产生的债权和债务 所采用的形式。国际结算的方式有两类：一类是 属于商业信用的结算方式，即由出口商和进口商 相互提供信用，如汇付、托收等；另一类是属于 银行信用的结算方式，即由银行提供信用来进行 债权债务的清偿，如信用证、信用保证书等。 • 现代国际结算中使用的信用工具主要是票据 （Notes or Bills）。
Unit 9 国 际 结 算
CONTENTS
Teaching Aims Section I 译例研究
Section II 技能拓展 Section III 巩固练习
Teaching Aims
After studying this unit, you are required to: 1. Have a general idea about international clearance. 2. Understand the language traits of bill of exchange. 3. Master the difficult words, expressions and business terminologies. 4. Master the skills of translation upon bill of exchange.
• 出票日期的翻译，一般用英文表示月份，阿拉伯 数字表示年和日，避免仅用数字表示而造成纠纷。 付款日期，在英文中常位于支付文句的句首作时 间状语。 • 付款日期的常见表达方式如下： • 即期付款或见票即付at sight, on demand • 见票后若干天付款at…days (after) sight • 汇票出票日后45天付款drafts at 45 date • 单据提示后60天付款60 days after/from date of presentation • 提单签发日后45天付款at 45 days from B/L date 等等。
国际结算概述
国际结算Copyright by Fei Zhonglin School of Economics and Management NJUT 1费钟琳南京工业大学经济与管理学院E -Mail ：zhonglin.fei zhonglin.fei@@gmail gmail.c .com om除了上课和阅读教材，还有什么办法学习国际结算知识，解答疑问？查阅参考资料：相对权威系统的信息 查阅专业网站：最新最实用的信息通过邮件询问老师：最人性化的方式第一章国际结算概述全球化国际贸易Copyright by Fei Zhonglin School of Economics and Management NJUT3全球生产 全球买家/卖家 出国留学国际支付什么是“国际结算”？“国际结算(International Settlement)是指为清偿国际间债权债务关系或跨国转移资金而发生在不同国家之间的货币收付活动。
清偿国际间的债权Copyright by Fei Zhonglin School of Economics and Management NJUT4债务关系以及跨国资金转移是国际结算的基本目的，国际结算(跨国货币收付)是其手段。
不同国家之间之所以存在债权债务关系，是因为国际间存在着广泛的政治、经济、军事、文化等各方面的交往，这些交往常常会伴随着资金流动。
”P. P. 22国际结算的分类贸易结算（International trade settlement ）伴随国际商品交易或服务贸易等有形贸易产生的非贸易结算（International non International non--trade settlement ）:Copyright by Fei Zhonglin School of Economics and Management NJUT5因其他经济、政治、文化活动引起的货币收付 贸易活动中的服务费：insurance premium, freight, postage, cable charges, bank commission, etc.; 对外投资、筹资; 其他国际支付其他国际支付：：overseas remittances, educational expenses, inheritance, etc.PP.3PP.3--4课程主要内容支付工具（Negotiable instruments ）支付方法（Payment techniques ）单据（Documents ）Copyright by Fei Zhonglin School of Economics and Management NJUT 6table contents of the textbook国际惯例国际惯例vs.法律不具有强制性Copyright by Fei Zhonglin School of Economics and Management NJUT 7 具有国际性具有相对稳定性P.7有关有关支付工具支付工具的的法律法律：：Uniform Laws for Bills of Exchange and Promissory Notes of Geneva of 1930yUK Bills of Exchange Act of 1882US Uniform Commercial Code of 1962P.7Copyright by Fei Zhonglin School of Economics and Management NJUT 8有关有关支付方法支付方法的的惯例惯例（（ICC publications)For documentary collections: URC 522 For documentary credits : UCP 600Fo g a antees URDG 458URCG 325For guarantees: URDG 458, URCG 325P.8Copyright by Fei Zhonglin School of Economics and Management NJUT9InternationalChamber of CommerceFounded in 1919 by a small group of far Founded in 1919 by a small group of far--sighted business leaders who called themselves “the merchantsof peace ”.Thousands of member companies and associations from Copyright by Fei Zhonglin School of Economics and Management NJUT10Thousands of member companies and associations from over 140 countries.ICC promotes an open international trade and investment system and the market economy. /http://www.icc /有关有关单据单据的国际条约及规则的国际条约及规则Hague Rules Visby Rules Visby Rules Hamburg RulesINCOTERMS 2000 (2010)P.9Copyright by Fei Zhonglin School of Economics and Management NJUT 11清算系统（International Clearing Systems ）Funds need to be transferred between the buyers and the sellersBanks are willing to raise liquidity ofBanks are willing to raise liquidity of money to make more profitThe challenge of today is to move money as fast as possible, at the lowest possible cost and with most complete information to customers.Copyright by Fei Zhonglin School of Economics and Management NJUT12CHIPS CHIPS: Clearing House Inter : Clearing House Inter--bank Payment System （交换银行相互收付系统）Established in 1920 in New York, U. S., more than 100 American and foreign banks.Copyright by Fei Zhonglin School of Economics and Management NJUT13A voluntary organization, not only an electronic dollar payment system in the U.S. but also an international dollar payments computerized system.FedWire Funds Transfer SystemFederal Reserve Settlement System （联邦电子资金划拨系统）Copyright by Fei Zhonglin School of Economics and Management NJUT 14The first payment and clearing system and the largest funds transfer system in the United States; it belongs to and run by United States; it belongs to and run by the the Federal Reserve System Federal Reserve System..TARGET TARGET: The Trans : The Trans--European Automated Real European Automated Real--time Gross settlement Express Transfer system（跨欧洲自动实时总结算快速支付系统）The real The real--time gross settlement system for the euro;Consists of 15 national real Consists of 15 national real--time gross settlement (RTGS)systems and the ECB payment mechanism Copyright by Fei Zhonglin School of Economics and Management NJUT 15(RTGS) systems and the ECB payment mechanism (EPM), which are interlinked so as to provide a uniform platform for the processing of cross uniform platform for the processing of cross--border payments;A payment infrastructure; offer a premium payment service which will overcome national borders between payment systems in the EU.CHAPS CHAPS: Clearing House Automated Payment : Clearing House Automated Payment System （交换银行自动收付系统）Established in London in 1984, acomputerized pound sterling paymentsCopyright by Fei Zhonglin School of Economics and Management NJUT 16system in London and an international pound sterling payment system.CNAPS （China National Advanced Payment System ）中国国家现代化支付系统The development of the electronic paymentsystem in China Copyright by Fei Zhonglin School of Economics and Management NJUT 17yFunds clearing system (资金清算系统）mid and late 1980s, the People ’s Bank of China started to build this system, and most of the cities have set up intercity clearing system.Inter Inter--city bill clearing system(同城票据清分系统）early 1990s, 16 developed cities (Beijing, Shanghai,Guangzhou, Shenzhen, Tianjin, etc.) established inter inter--city bill automatic clearing system, from the manual processing of bills to automatic clearing.Copyright by Fei Zhonglin School of Economics and Management NJUT 18National Electronic Inter National Electronic Inter--bank system （全国电子联行系统）established in 1989 by the People ’s Bank of China, more than 1600 cities, 18,000 banksChina National Advanced Payment System(中国国家现代化支付系统)in October 2000, the People ’s Bank of China decided to design it, and on October 8, 2002, the payment system was put into operation in Beijing and Wuhan successfully, connecting to the inner systems ofi l b k h i l i f Copyright by Fei Zhonglin School of Economics and Management NJUT 19commercial banks, the accounting clearing system of the People ’s Bank of China, the system of national fiscal system, by December 14, 2003, 32 provincial capital cities had started the payment system. The aim is to form CNAPS, based on the electronic exchange system and inner exchange system and inner--city bill clearing system.SWIFT SWIFT: Society for Worldwide Inter : Society for Worldwide Inter--bankFinancial Telecommunication (环球同业银行金融电讯协会)A ti fit i t t bli h d i /Copyright by Fei Zhonglin School of Economics and Management NJUT20A cooperative, non A cooperative, non--profit society, established in Brussels under Belgium law in May 1973.The Bank of China, in 1983. By 1990, the Bank of Communications, the Industrial andCommercial Bank of China, the Agricultural Bank of China, etc .Distinct benefits offered by SWIFT实用: 7天24小时: 快速: 几秒钟安全: 会员, 电报密押, SWIFT 证实押（SAK ）标准化：MTCopyright by Fei Zhonglin School of Economics and Management NJUT21国际国际结算业务中的往来银行结算业务中的往来银行国际金融业务中的银行国际金融业务中的银行机构机构1.代表处(Representative office)2(Agency Office)2.代理处(Agency Office)3.海外分、支行(境外联行)(Overseas Sister Bank/Branch, Sub branch)4.附属银行(子银行)(Subsidiary Banks)5.联营银行(Affiliated Banks)6.银团银行(Consortium Bank)各种形式银行机构的区别： 是否独立法人？是：子行、联营银行、银团银行 否：代表处、代理处、分行 银行业务范围？无：代表处（非营业性公关机构） 窄：代理处（非存款业务） 广：分行、支行、子行代理银行（往来银行）：“不是自家人”代理行与帐户行代理行不一定是账户行，代理行分两类：有帐户关系的代理行 无帐户关系的代理行账户行却一定是代理行代理行数目﹥帐户行数目建立代理行（往来银行）关系的必要性1、全球经济一体化的要求2、国际贸易发展的要求3、各国金融法规制约的产物4、节约商业银行的外汇开支代理行（往来银行）的选择1、境外联行、子行是最优选择账户行是次优选择2、账户行是次优选择3、非账户行是次次优选择建立代理（往来）关系的步骤：1.考察了解对方银行的资信2.签订代理协议并互换控制文件控制文件（control documents ）类型：Telegraphic test key a)电报密押（Telegraphic test key ）b)有权签字人印鉴样本（Authorized signatures ）c)费率表（Schedule of terms and conditions ）d)SWIFT 证实押（SWIFT authentic key ,SAK)3.双方银行确认控制文件存款行Depositor 账户行Depository 活期存款账户Current a/cCorrespondCorrespondVostro account and account and Nostro Nostro accountVostro account （来帐）:B’s account with A Nostro account （往帐）:A’s account with B B k A Copyright by Fei Zhonglin School of Economics and Management, NJUT29Vostro account:A’s account with B Nostro account:B’s account withABank BBank AMidland Bank Citibank USD a/cMidland Bank,London,UKCitibank,New York,USAGBP a/c实战操练（1）业务背景：交通银行的客户ABC CO.LTD 需要汇款至XYZCO.LTD，收款人的开户行为招商银行上海分行China Merchants Bank Shanghai Branch （China Merchants Bank，Shanghai Branch），该行深圳总行的账户行是大通银行（TheChase Bank）实际操作：用头寸法操作这笔汇款业务。
外贸出口资料—国际结算课件--非贸易结算33页PPT
41、俯仰终宇宙，不乐复何如。 42、夏日长抱饥，寒夜无被眠。 43、不戚戚于贫贱，不汲汲于富贵。 44、欲言无予和，挥杯劝孤影。 45、盛年不重来，一日难再晨。奢侈是舒适的，否则就不是奢侈 。——CocoCha nel 62、少而好学，如日出之阳；壮而好学 ，如日 中之光 ；志而 好学， 如炳烛 之光。 ——刘 向 63、三军可夺帅也，匹夫不可夺志也。 ——孔 丘 64、人生就是学校。在那里，与其说好 的教师 是幸福 ，不如 说好的 教师是 不幸。 ——海 贝尔 65、接受挑战，就可以享受胜利的喜悦 。——杰纳勒 尔·乔治·S·巴顿
谢谢！
国际结算(中文)
国际结算概述
教学目的：通过本章的学习可以从整体上把握 本学科的基本内容。 教学重点：国际结算的概念、特征、研究内容， 国际结算中的银行等。 教学难点：国际结算的特征，国际结算中的银 行关系
第一章
国际结算概述
一、国际结算的含义与内容p151 二、国际结算的历史与发展p151-152 三、国际结算方式的具体内容 四、国际结算的基本要素（三要素：结算工具、结算
1．国际结算概述
2．国际结算票据
票据基本知识
汇票及案例
本票及案例
支票及案例
3．国际结算方式
汇款及案例
托收及案例
信用证及案例
银行保函、备用信用证及案例
4．国际结算单据
单据的基本知识
单据制作及范例
单据的审核及案例
5．国际非贸易结算资
Chapter 1. Introduction to International Settlement
国际结算中的单据
在国际贸易结算中，普遍实行“推定交货”— —又称象征性交货，是相对“实物交货”而言 的。实质就是货物单据化，以货物单据代表货 物所有权。国际贸易结算的实体和依据就是货 运单据。 国际结算的单据是指贸易结算中涉及的单据， 例如发票、包装单、货运单据、保险单、产地 证、函抄与汇票等单据。
Methods
Other methods Factoring Letter of guarantee Forfeiting
Documents
basic Invoice Additional Packing list Weight memo Certificate of Original All kinds of Certificates
《国际结算》(全套课件)
第三章 汇款方式
一、顺汇与逆汇的概念 根据资金的流向是否与信用工具的流向一致来划分 ，汇款 方式是顺汇，其他的是逆汇。 二、汇款的概念 汇出行应汇款人的要求，以一定的方式，把一定的金额，通 过其作为付款行的国外联行或代理行，付给收款人的一种结算 方式。是银行的主要外汇业务之一。 三、汇票的当事人 汇款人、汇出行、汇人行、解付行、收款人 四、汇款的种类及期各自工作程序 (一)电汇：工具：加押电报、电传或通过SWIFT (二)信汇：工具：信汇委托书或支付委托书 (三)票汇 ：工具：银行即期汇票 式样见教材
在票汇项下，大多采用中心汇票汇款。 中心汇票：是指汇票付款人是汇票所用货币清算中心地的银行 的汇票。 三种方式的比较：简单地，T/T——高、短；M/T——低、长； D/D——汇款人方便，汇款人可能就是收款人。 五、汇款头寸划拨 汇入行解付的前提是收妥头寸 (一) 汇出行与汇入行有帐户关系 1．汇出行在汇入行开有帐户——汇入(解付)行的付讫借记 2．汇入行在汇出行开有帐户——汇出行的主动贷记 （二）汇出行与汇入行在同一家银行开有帐户 双方与同一家代理行有帐户往来——通过共同账户完成头寸划拨 （三）双方在不同银行开有帐户 汇出行在汇出汇款时，主动通知代理行将款拨给汇入行在其他代理 行开立的帐户——汇出行嘱其账户行汇付给汇入行的账户行
（八）保证 非票据的债务人对于出票、背书、承兑、参加承兑等行为所发 生的债务予以保证的附属票据行为。保证人与被保证人负相同的 责任。经过保证后票据可接受性大。 六、汇票的种类 (一)国际汇票与国内汇票 (二)即期汇票与远期汇票 (三)来人汇票、记名汇票。补充：若汇票抬头人为“某人或某指示 人”或“某人的指示人”等，则为指示汇票。 (四)商业汇票与银行汇票 (五)光票与跟单汇票 (六)商业承兑汇票与银行承兑汇票 (七)本币汇票与外币汇票
国际结算9章
交货地点(Place of Delivery) 交货地点( Delivery) 收货地点( Receipt) 收货地点(Place of Receipt):本栏只有在 转船运输时填写 标志和号码( No.s) 标志和号码(Marks and No.s) 毛重和尺码 Measurement) (Gross Weight and Measurement) 运费和其他费用(Freight 运费和其他费用(Freight and Charges) 运费支付地点( 运费支付地点(Freight Payable at) at) 签单地点和日期( Issue) 签单地点和日期(Place and Date of Issue) 正本提单份数(Number 正本提单份数(Number of Original B/Ls) 代表承运人签字 Signed for or on behalf or the Carrier
签单地点和日期 Place and date of issue 代表承运人签字 Signed for or on behalf of the Carrier 代理 as Agents
提单的背面条款
1,定义条款(Defination Clause) 定义条款(Defination 2,管辖权条款(Jurisdiction Clause) 管辖权条款(Jurisdiction 责任期限条款(Duration 3,责任期限条款(Duration Of Liabillity) 包装和标志(Packages 4,包装和标志(Packages And Marks) 运费和其他费用(Freight 5,运费和其他费用(Freight And Other Charges) 自由转船条款(Transhipment 6,自由转船条款(Transhipment Clause)
国际结算-第九章--非贸易结算
万事达
❖ 是服务于金融机构的非营盈利性的全球性 协会组织，其宗旨是为会员提供全球最佳 支付系统和金融服务。
❖ 1966年，美国的一些商业银行成立了同 业银行卡协会（Inter Bank Card Association），这是万事达的早期组织。
❖ 1699年，该组织更名为万事达国际组织 并统一信用卡标志
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（一）旅行支票的定义及关系人
❖ 出票人：即发行人，是旅行支票的发行机 构，出票人又是付款人。
❖ 持票人：购买旅行支票的人 ❖ 代售人：代出票人出售旅行支票的人
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（一）旅行支票的定义及关系人
❖ 兑付人：是根据与发行人签订的代付协议 向持票人兑付现金的人。
❖ 受让人：服务部门接受旅行支票时，持 票人要在抬头栏写上服务部门的 名称，被记名的单位便成为受让人。
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（一）旅行支票的定义及关系人
1. 外币旅行支票是指境内商业银行代售的、 由境外银行或专门金融机构印制、以发行 机构作为最终付款人、以可自由兑换货币 作为计价结算货币、有固定面额的票据。
Traveller’s Cheque
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（一）旅行支票的定义及关系人
2. 旅行支票的关系人 ❖ 出票人 ❖ 持票人 ❖ 代售人 ❖ 兑付人 ❖ 受让人
发行和代售旅行者在本国和外国都可旅游之前可到发行旅行支票的银行或专门机构申请购买在购买时需要提交相关的证明个人现汇账户1万美元购买申请书本人有效身份证明已办妥前往国家或地区有效入境签证的护照或者前往港澳通行证个人现汇账户1万美元5万美元购买申请书本人有效身份证明已办妥前往国家或地区有效入境签证的护照或者前往港澳通行证证明其真实性用途的相关材料个人现汇账户5万美元应持上述第2条规定的证明材料向所在地外汇局申请经所在地外汇局真实性审核后银行凭所在地外汇局出具的核准件为其办理购买外币旅行支票手续
国际结算 中英文终极版
1.1 The Concept of International Trade国际贸易的观念International trade is the exchange of goods and services produced in one country for those produced in another country. In most cases countries do not trade the actual the goods and services. Rather they use the income or money from the sale of their products to buy the products of another country.1.2 Introduction to International Payments and SettlementsInternational payments and settlements are financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another in order to clear relations of debts.国际支付与结算是指为清偿国际间的债权债务关系或跨国转移资金而发生在不同国家之间的货币收付活动。
1.2 categories(分类)(1)、According to the cause of international settlementInternational trade settlement(国际贸易结算)International trade settlement is created on the basis of sales of commodities.国际贸易结算是指有形贸易活动（即由商品的进出口）引起的货币收付活动.（主要形式）International non-trade settlement (国际非贸易结算)invisible trade无形交易financial transaction金融业务payment between governments政府间的款项others 其他业务(2)、According to whether cash is usedCash settlement(现金结算)International payments is effected by shipping precious metals taking the form of coins, bars or bullions to or from the trading countries.Non-cash settlement(非现金结算)International payment is settled by way of transferring funds through the accounts opened in these banks.Four major clearing systems in the world(四大清算系统)2.1 SWIFT(Society for Worldwide Interbank Financial Telecommunication)SWIFT is a service organization established to meet a number of specialized service needs relating to interbank financial communications through a dedicated data processing and telecommunication system.Membership 会员制Low expenses 低费用Security 安全性Standardised 标准化2.2 CHIPS(The Clearing House Interbank Payment System).纽约清算所同业支付系统2.3 CHAPS（Clearing House Automated Payment System）伦敦银行同业自动支付系统2.4 TATGET（Trans-European Automated Real-Time Gross-Settlement Express Transfer）泛欧实时全额自动清算系统3.1 Correspondent Bank代理银行Correspondent banking is an arrangement under which one bank (correspondent) holds deposits owned by other banks (respondents) and provides payment and other services to those respondent banks. Such arrangements may also be known as agency relationships in some domestic contexts.是接受其他国家或地区的银行委托，代办国际结算业务或提供其他服务，并建立相互代理业务关系的银行。
国际结算期末测试习题与答案
一、单选题1、What service isn’t provided by SWIFT?A. financial applicationB. interbank file transferC. financial businessesD. message transmission正确答案：C2、What’s not a correct statement about SWIFT?A. The headquarter of SWIFT is at Brussels.B.The most important service provided by SWIFT is interbank file transfer.C. It is a computerized international telecommunications system.D. Messages are standardized formatted.正确答案：B3、What’s not a correct statement about international settlements?A. It is financial activities.B. financial businessesC. policy cooperationD. interbank file transfer正确答案：B4、Transfer payments are payments by ()A. cashB. financial instrumentsC. silverD. gold正确答案：B5、What is a correct statement about vostro account?A. It’s a due to accountB. It’s our bank’s account in the book of an overseas bank denominated in foreign currency.C. It’s a due from accountD. It’s purpose is to facilitate international payments and settlements abroad.正确答案：A6、Which system adopts a netting payment system? ( )A. TARGETB. ChapsC. ChipsD. Fedware正确答案：C7、Commercial documents don’t include ( ).A. P/LB. B/LC. CDsD. invoice正确答案：C8、The trade term DAT should be followed by ( )A. named port of destinationB. named place of destinationC. named port of shipmentD. named place正确答案：B9、According to Incoterms 2010, there are ( ) different trade terms.A. 6B. 13C. 14D. 11正确答案：D10、Which of the following is a title document? ( )A. B/LB. P/LC. invoiceD. AWB正确答案：A11、Which of the following is clean collection? ( )A.collection of financial documents accompanied by commercialdocuments.B. collection of financial documents not accompanied by commercial documents.C. collection by B/L.D. collection of commercial documents not accompanied by financial documents.正确答案：B12、Which is based commercial credit? ( )A. remittanceB. L/CC. collectionD. L/G正确答案：B13、Under a letter of credit, the exporter can receive the payment only when ( )A. he has shipped the goodsB. the documents presented comply with the credit termsC. he has presented the documentsD. the importer has taken delivery of the goods正确答案：B二、多选题1、What is the advantage of SWIFT services?A. reliableB. secureC. fastD. cheap正确答案：A、B、C、D2、What services can SWIFT provide?A. financial applicationB. interbank file transferC. financial businessesD. policy cooperation正确答案：A、B3、Cash payments include payments by ( )A. silverB. checkC. cashD. gold正确答案：A、C、D4、international settlements serve for ( )A. financial transactionsB. payments between governmentsC. service tradeD. goods trade正确答案：A、B、C、D5、What services are provided by correspondent bank?A. Collecting checks, drafts, and other credit instruments.B. Making credit investigation of firms that borrow in the open market.C. Providing banks with funds/loans in case of need.D. Providing banks with foreign exchange facilities, including commercial and traveler’s checks.正确答案：A、B、C、D6、What is the advantage of netting payment system?A. efficientB. more powerful processing capacitiesC. less settlement risksD. secure正确答案：A、B7、What is a correct statement about Chips?A. It’s operated by the New York Clearing House Association.B. It’s a netting system.C. It’s member banks are commercial banks in New York.D. It’s acronym for Clearing House Interbank Payment System.正确答案：A、B、C、D8、Which of the following documents are negotiable ones?A. checkB. warehouse receiptC. dock warrantD. CDs正确答案：A、D9、What is a correct statement about banker’s draft?A. It is drawn by a bank.B. the drawee bank is a branch or correspondent bank of the issuer.C. It’s a sight draft.D. It ‘s used in remittance.正确答案：A、B、C、D10、Which of the following statement is true? ( )A. the drawer is the party primarily liable for a check.B. The maker is primarily liable on a promissory note.C. the acceptor is primarily liable for a time bill.D. the drawer is primarily liable for a sight bill.正确答案：A、B、C、D11、A traveler’s check is generally involved ( )A. paying agentB. transfereeC. the issuerD. holder正确答案：A、B、C、D12、A credit card is generally involved ( )A. cardholderB. payerC. issuing bankD. merchant正确答案：A、C、D13、What invoices are used in trade protectionism?A. visa invoiceB. customs invoiceC. consular invoiceD. pro forma invoice正确答案：A、B、C、D14、Which document is basic in trade settlements?A. P/LB. B/LC. invoiceD. insurance document正确答案：B、C、D15、Which of the following is L/C/? ( )A. It is based on bank credit.B. L/C is independent on trade contract.C. L/C is a transaction of documents.D. The issuing bank takes the first responsibility to pay.正确答案：A、B、C、D16、Which can be used to settle middleman trade? ( )A. red clause L/CB. reciprocal L/CC. back-to-back L/CD. transferable L/C正确答案：C、D三、判断题1、Fedware is a system of RTGS. ( )正确答案：√2、Chips is a system of RTGS. ( )正确答案：√3、Vostro account is a due to account. ( )正确答案：√4、Fedware is operated by Fed reserve system. ( )正确答案：√5、RTGS means each payment order is settled immediately upon its entry into the system in its entire (gross) amount.正确答案：√6、Negotiable instrument is a chose in action. ( )正确答案：√7、checks are negotiable instruments. ( )正确答案：√8、Clean bil refers to a bill without shipping documents attached thereto. ( )正确答案：√9、a check must be drawn upon a banker. ( )正确答案：√10、A bona fide holder can claim payment from all parties liable on the instrument when dishonored by the acceptor. ( )正确答案：√11、Legalized invoice is a predecessor of commercial invoice. ( )正确答案：×12、FAS is used in marine transportation. ( )正确答案：√13、Export license is an additional document. ( )正确答案：√14、Beneficiary’s statement: a statement issued and signed by the beneficiary, certifying that he has done some work according to the stipulations in the credit. ( )正确答案：√15、A transferable L/C can be transferred only once. ( )正确答案：√16、L/C is dependent on sales contract. ( )正确答案：×17、Anticipatory L/C provides financing to the importer. ( )正确答案：×18、Revolving L/C can be renewed or reinstated. ( )正确答案：√19、Back-to-back L/C involves two L/Cs. ( )正确答案：√。
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Non-trade Payments and Settlements
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Non-trade Payments and Settlements
1.Traveler’s Check 2.Credit Card
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Non-trade Payments and Settlements
1. Traveler’s Check旅行支票 1.1 what is a traveler’s check? A traveler’s check is a specially printed form of check issued by a financial institution, leading hotels, and other agencies in preprinted denominations for a fixed amount to a customer for use when he is going to travel abroad.
2. Credit Card 信用卡 2.1 What is a credit card? A instrument issued by banks to carefully selected customers with a line of credit for use in obtaining, on credit, consumer goods, services and other necessities.
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Non-trade Payments and Settlements
1.3 Procedure 结算流程 （1）Purchase Initial signature Checks’ serial number （2）Encashment Counter signature （3）Claims
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Non-trade Payments and Settlements
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Non-trade Payments and Settlements
1.2 Parties Issuer 发行人 Selling agent or office 售票代理人或售票行 Purchaser or holder购票人或持票人 Paying agent兑付代理人 Transferee受让人
2.3 Procedure (1) Issuing cards (2) Setting up relations with merchants and authorization (3) Clearing and settle Payments and Settlements
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Non-trade Payments and Settlements
2.2 Parties Issuing bank Cardholder Merchant
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Non-trade Payments and Settlements
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Non-trade Payments and Settlements
1.4 Advantages (1) Great safety and convenience (2) Wide acceptability (3) No time limit
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Non-trade Payments and Settlements