国际结算专业词汇
Acceptance n. 接受，承兑，承认
The act of giving a written undertaking on the face of a usance bill of exchange to pay a stated sum on the maturity date indicated by the drawee of the bill, (usually in exchange for documents of title to goods shipped on D/A terms) - see Collections Introduction.
Acceptance Credit 承兑信用证
A documentary credit which requires the beneficiary to draw a usance bill for
subsequent acceptance by the issuing bank or the advising bank or any other bank as the credit stipulates - see Documentary Credits.
Accommodation Bill 融通票据，欠单
In the context of fraud, a bill drawn without a genuine underlying commercial transaction.
Accountee n. 开证申请人，开证帐户主
Another name for the applicant/opener of a documentary credit i.e. the importer = the person for whose account the transaction is made.
Advice of Fate 出险事故通知
The Collecting Bank informs the Remitting Bank of non- payment/non-acceptance or (for D/A bills) of acceptance and the bill maturity date - see Handling Import Collections.
Advising a. 指导，通知
Act of conveying the terms and conditions of a DC to the beneficiary. The advising bank is the issuing bank agent, usually located in the beneficiary country - see Export - DC Advising.
Advising also involves authentication i.e. advising bank should take reasonable care to check the apparent authenticity of the credit (ICC UCC 500 Art 7).
Amendment n. 修改
Alteration to the terms of a DC; amendments must stem from the applicant, be issued and advised to the beneficiary; the beneficiary has the right to refuse an amendment if the credit is irrevocable - see Amendments to DCs.
Applicant n. 申请人
One who applies to his bank to issue a documentary credit; in the majority of credits issued the applicant is an importer of goods
B
返回Back-to-Back Credit 背对背信用证，转开信用证
A credit issued against the security back of another credit (master credit) on the
understanding that reimbursement will stem from documents eventually presented
under the first credit (master credit) issued - see Special DCs. It follows therefore that each side of a B/B transaction covers the shipment of the same goods.
Beneficiary n. 受益人，受款人
A payee or recipient, usually of money.
A party in whose favour a documentary credit is established, usually the exporter.
Bill for Collection (BC) 托收票据
Document(s) or cheque submitted through a bank for collection of payment from the drawee.
Bill of Exchange (B/E) 汇票
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 fixed or determinable future time a sum certain in money to or to the order of a specified person, or to bearer.
Bill of Lading (B/L) 提单
A receipt for goods for shipment by sea. It is a Document of Title: see Documents.
Bill Receivable (BR) 应收票据
Bills which are financed by the receiving branch, whether drawn under a DC or not, are treated as BRs by both the remitting branch and the receiving branches - see Bills Receivable.
Blank Endorsed 空白背书，无记名背书
When a bill of lading is made out to order or shipper order and the shipper has signed on the back of it, it is said to be blank endorsed. The bill of lading then becomes a bearer instrument and the holder can present it to the shipping company to take delivery of the goods.
C
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Carrier n. 运输行，货运商，承运人，货船，运载工具
Person or company undertaking for hire the conveyance of goods e.g. shipping company
Case of Need （票据用语）如有必要，需要时的代理
Agent nominated by a principal, to whom the collecting bank may refer in specified circumstances concerning collections - see the sections on Collections.
Chaser n. 提示行
Reminder sent by the collecting (or DC issuing) bank to the importer, repeating a request for payment - see Handling Import Collections.
Clean a. 清洁的，未写过的，不附保留条件的
Used to describe a draft/cheque with no shipping documents - see Collections Introduction.
Used to describe a bill of lading without clauses that expressly declare a defective condition of the goods or the packing.
Clean Bill Purchased 购光票
A collection bill purchased with no shipping Purchase documents - see Financing
Export Collections.
Clean Bill Receivable (CBR) 不附带单据应收票据
BR (Bill Receivable) with no shipping documents. The term is more often used for non-trade bills such as travellers cheques.
Clean Collection 光票托收
A draft with no documents Collection attached - see Collections ?Introduction?
Clean Import Loan (CIL) 无抵押进口商融资
A loan granted to an importer for payment of import bills, without the Bank having
any claim to the goods.
Collection Bank 托收银行
Bank in the drawee country that is instructed to collect payment from the drawee - see Collections Introduction.
Collection Order 托收委托书
Form submitted, with documents, to the Remitting/Negotiating Bank by an exporter with his instructions - see Collections ?Introduction.
Confirming a. 确认的，保证的
Act of a bank other than the issuing bank assuming the liability for payment, acceptance or negotiation of correctly presented documents under a DC - see Confirmation of DCs.
Consignment n. 托运，寄售，寄售货物，交付
Shipment of goods.
Consignee n. 承销人，收货人，收件人，信用证申请人
The person/company/bank to whom the goods are delivered - usually the importer or the Collecting Bank - see Handling Import Collections.
Consigner n. 寄售人，托运人，寄件人
Also called shipper, is the person/company who sends goods by ship, by land or air.
Contingent Liability 或有负债
A liability that arises only under specified conditions, e.g. when a bank opens a DC
it incurs an obligation to make a future payment on condition that the terms are fully met.
D
返回DC Bills 信用证跟单汇票
Bills drawn under documentary credits.
Deferred Payment Credit (DPC) 延期付款信用证
A DC which allows the nomination of a bank, or the issuing bank to effect payment against stipulated documents at a maturity date as specified or determinable from the wording of the credit.
Demurrage n. 延滞费，滞港费，滞留期
A charge made by a shipping company or a port authority for failure to load or remove goods within the time allowed.
Discounting n. 贴现，计算现值
Act of purchasing an accepted usance bill of exchange at an amount less than the face value.
Discrepancy n. 不一致，有差异，价差，异议
Any deviation from the terms and conditions of a DC, or the documents presented there under, or any inconsistency between the documents themselves - see Negotiation under DCs.
Dishonor v. n. 退票，拒兑，拒付
Non-payment or non-acceptance.
Documentary Credit (DC) 跟单信用证，押汇信用证
A conditional undertaking by a bank to make payment, often abbreviated to credit. More precisely, it is a written undertaking by a bank (issuing bank) given to the seller (beneficiary) at the request of the buyer (applicant) to pay a sum of money against presentation of documents complying with the terms of the credit within a set time limit.
Documents n. 文件，单据，证券，记录，货运单据
The characteristics and importance of the various documents associated with Import/Export operations are explained and illustrated in Deciding on Documents.
Documents Against Acceptance (D/A) 承兑交单
Instruction for commercial documents to be released to the drawee on acceptance of the Bill of Exchange - see Collections ?Introduction.
Documents Against Payment (D/P) 付款交单
Instruction for documents to be released to the drawee only on payment - see Collections ?Introduction.
Documents of Title 所有权文件，所有权凭证
Documents that give their owner the right to the goods, i.e. Bill of Lading.
Draft n. v. 汇票，草案，拟定，吃水
Bill of exchange issued by an exporter and submitted to his bank for collection, or under a DC - usually submitted with attached shipping documents - not to be confused with a banker’s draft which is sometimes used as a vehicle for reimbursement.
Drawee n. 受票人，付款人
Party on whom a bill is drawn and the one to whom presentation is to be made according to the collection order - the importer (NB: for DC bills, the drawee is usually the DC issuing bank).
Drawer n. 出票人，开票人
The exporter, who draws the Bill of Exchange/draft which in itself is a claim for payment.
Due Date 到期日，期满日
Maturity date for payment
E
返回Expiry Date 有效期截止日期，期满日期
Latest date, usually in the country of the beneficiary, on which negotiation/payment of a DC can take place.
F
返回Financed Bills 金融票据，融通票据
Bills sent on collection in which the remitting branch has a financial interest.
Foreign Bill Purchased (FBP) 购入外国汇票，购入外国票据
A bill remitted to a correspondent bank in which the remitting branch is financing
the exporter - see Financing Export Collections.
Forward Exchange Contract 远期外汇合同，远期外汇契约
Contract between the Bank and its customer to buy/sell a fixed amount of foreign currency at a future date at a specified rate. This could be for a customer to make payment under a DC or to sell the proceeds received from an export negotiation.
Freight v. n. 运费，运输，装运，运送的货物
Goods OR the cost of transporting goods.
G
返回General Average 共同海损
Loss which is the result of a sacrifice voluntarily made or an expense incurred; for the sole purpose of saving a ship and its cargo in face of a common danger (e.g.
jettison of cargo to lighten a ship in distress). The loss is borne proportionately by ship and cargo owners according to their respective interests in the voyage.
Gross Weight 毛重，总重量
The weight of the merchandise in its shipping form, i.e. including all its packaging. I
返回Import License 进口许可证
A permit issued by the importing country'S authorities in respect of goods subject
to import licensing restrictions.
Incoterms 国际贸易术语
Shipping Terms - see I ntroduction to International Trade.
Indemnity n. 赔偿，赔偿金，赔偿物，补偿，赔偿保证
Also known as Letter of Guarantee (L/G), it is an undertaking given in respect of discrepancies in documents presented under a credit. The beneficiary who issues the indemnity is primarily liable to repay funds received from the negotiating bank in settlement under the credit, if the negotiating bank cannot obtain reimbursement from the issuing bank as a result of documents being rejected by the applicant.
Inherent Vice （货物的）固有缺陷
The propensity of a commodity to self-destruction which gives rise to a high insurance risk, therefore cover is given only after payment of an additional
premium (e.g. fruit rots, coal-dust spontaneously ignites).
International Chamber of Commerce (ICC) 国际商会
The international body which promotes and facilitates world trade, and which codifies world trade practices in various publications - see ICC Rules?under Introduction to International Trade.
Irrevocable Credit 不可撤销信用证
Constitutes a definite undertaking of the issuing bank and the confirming bank, if any, to honour the credit provided the terms of the credit are observed. It may be advised to the beneficiary without engagement by the advising bank, and cannot be amended or cancelled unless the issuing bank, the confirming bank and the beneficiary agree.
Issuing Bank 开证行
The bank that opens a documentary credit at the request of its customer, the applicant.
L
返回Letter of Credit (L/C) 信用证
American term for documentary credit. In the United States, the terms D/C can often be confused for documentary collection.
Letter of Hypothecation 押汇负责书，押货预支书
A promise to hold goods as security taken from customers who are granted loans
against goods imported on a collection basis.
Loan Against Imports (LAI) 进口押汇
Loans granted to import customers for payment of bills.
M
返回Master Credit 原信用证
In back-to-back operations, the original export credit against which the second credit is opened
Maturity n. （票据的）到期，到期日，偿还日
Due date of payment of a usance bill or promissory note.
N
返回Negotiable/Non-Negotiable 可转让的，可流通的／不可转让的，不可流通的
Usually used with regard to Bills of Lading: a negotiable B/L is a valid document of title, while a non-negotiable B/L is not - the beneficiary of a DC (the exporter) may send the importer a non-negotiable B/L for information.
Negotiation（信用证的）让购，议付
Purchase of drafts under a documentary credit which the issuing bank has undertaken to pay.
Net Weight净重
The weight of the merchandise before any packaging.
Non-DC Bills非跟单信用证项下开立的汇票
Bills not drawn under DC i.e. sent on a collection basis (D/P or D/A). In common usage we distinguish between Non DC bills which are financed collections and DCs which are non-financed.
Non-Financed Bills无息汇票
Bills sent on collection in which the remitting branch has no financial interest.
Noting退票通知
The first stage in protest of a dishonoured bill: if instructed to protest for non-payment/non- acceptance, the collecting bank must send the bill to a notary public who will represent it to the drawee on the same day it was refused, or the
next business day. If the drawee still refuses the bill the notary public notes on the bill: the amount of his charges, the date and his initials. The reason for refusal is shown on a note attached to the bill. The bill is then protested - see Protest.
O
返回Opener n. （信用证）申请人，开证人
See Applicant.
Opening Bank 开证行
See Issuing Bank.
Order (To) 抬头人，指定收货人
The phrase To Order is sometimes shown on Bills of Lading against consignee: this means that the Bill of Lading must be endorsed in blank by the shipper (i.e.
not to any particular named party which makes it bearer document and it becomes transferable by delivery.)
P
返回Packing Credit 打包放款
A loan given to the beneficiary by the bank to enable him to purchase raw
materials. The beneficiary is usually requested to deposit the DC with the bank as security.
Past Due 过期的，逾期的
Bill or loan that has not been paid on the maturity date/due date.
Paying Bank 付款行
The bank that makes payment to the beneficiary of a payment DC after presentation to it of documents stipulated in the DC.
Perils of the Seas 海险，海难
They are accidents or casualties of the sea. The ordinary actions of the winds and waves are not included. Heavy or tempestuous weather on a voyage is of sufficient violence to constitute a peril of the sea.
Power of Attorney 委托书，代理证书
Authority given to one party to act for another.
Presentation n. 提示，（单据的）交兑，（信用证的）议付，
Act of requesting the importer payment/acceptance of an import bill. - See Handling Import Collections.
Presenting Bank 提示行
The bank that requests payment of a collection bill - may be the Collecting Bank or its nominated branch or local correspondent, which is better placed to contact the importer.
Principal a. n. 主要的，本金的，委托人，本金
The exporter in collection transactions, being the initiator of the transaction, whose instructions are followed at all stages (may be used to refer to any customer who initiates a transaction e.g. the opener of a DC).
Promissory Note 本票
A signed statement containing a written promise to pay a stated sum to specified
person at a specified date or on demand.
Protest n. 拒绝承兑，拒付证书
The formal representation of a dishonoured bill of exchange: the bill is presented by a notary public to the drawee - if refused again, it is noted?- see noting. The notary public then issues a formal protest, an official certificate that the bill has been refused: the drawer can use this certificate to sue the drawee in court.
R
返回Recourse n. 追索权，要求偿还权
The right to claim a refund from another party which has handled a bill at an earlier
stage.
Red Clause Credit 红条款信用证
A credit with a clause which authorises the advising bank to make an advance
payment to the beneficiary - see special DCs.
Reimbursing Bank 偿付银行，清算银行
The bank nominated by the DC issuing bank that will pay the value of the DC to the negotiating/paying bank.
Remitting Bank 汇款银行，委托代收银行，（信用证）寄单银行
The exporter's bank in collection transactions, which remits the bill to the collecting bank.
The exporter's bank in DC transactions, which dispatches the documents to the issuing bank.
Retirement n. 赎票
The act of paying or settling an outstanding bill or import loan; i.e. payment by the importer to the Bank.
Revocable Credit 可撤销信用证
One that may be amended or cancelled without notice to the beneficiary.
Revolving Credit 循环信用证
A credit automatically reinstated after each drawing or upon receipt of
authorisation from DC issuing bank, with limits as to the duration of the facility and as to the (cumulative or non-cumulative) amount involved for each drawing - see Special DCs.
S
返回Schedule （附属）明细表
The Remitting/Negotiating Bank's letter covering a bill sent to the Collecting/Issuing Bank, which lists the documents attached and gives collection
and/or payment instructions.
Self-Liquidating 自动清偿
A transaction is said to be self-liquidating when there is a known source of funds available for its settlement on due date.
Shipment Date 装船日期
The date inserted on the bills of lading evidencing goods received on board is regarded for documentary credit purposes as being the date of shipment.
Shipper n. 货主，装货人，托运人，发货人，出口商
See consignor
Shipping Guarantee (SG) 货物保赔书
Guarantees of this nature are required to enable customers to obtain goods before the arrival of the documents of title, and are issued to the shipping companies by the Bank against an undertaking to forward the bills of lading when they are received. The Bank normally take 100% cash margin against the value of the goods if the customer does not have T/R facility.
Shipping Terms 运输条款
See Incoterms
Sight n. 即期
A bill payable at sight is payable on presentation to the drawee i.e. on demand.
Snags n.意外的障碍
Irregular bills; import and export.
Standby Credit 备用信用证
This may be established as security for facilities granted at another branch or bank, usually to a subsidiary of the DC applicant. - see Special DCs.
Status Report 资信证明
Produced by a bank's TCI department or a credit information bureau, giving
details of the credit worthiness and business background of traders and manufacturers.
Substitution n. 代替，取代，替代
The act whereby the prime beneficiary substitutes his own documents i.e. invoices and drafts, in back-to-back and transferable credit operations prior to negotiation of the master credits.
T
返回Tenor n. 汇票期限
Term or Period of credit granted by the drawer. See Usance Bill.
Tracer n. 短卸货物查询单
See Chaser.
Trade and Credit Information (TCI) 贸易信贷情况
A bank department that prepares and distributes status reports on its own
customers, and maintains records of traders and manufacturers with whom its customers deal.
Transferable Credit 可转让信用证
Permits the beneficiary to transfer all or some of the rights and obligations under the credit to a second beneficiary or beneficiaries - see Special DCs.
Transferee n. 受让人，第二受益人
A party (2nd beneficiary) to whom a transferable credit is transferred in whole or in
part.
Transferor n. 转让人，出让人
A party (1st beneficiary) at whose request a transferable credit is transferred to a
second beneficiary in whole or in part.
U
返回Uniform Customs and Practice for DCs 跟单信用证统一惯例
See ICC 500
Uniform Rules for Collections 托收统一规则
See ICC 522
Usance Bill 远期汇票
A Bill of Exchange which allows the drawee a term or period of credit (this period
is also called usance).
The term is usually stated in days (e.g. 30 days) or months and starts either from the date of the bill (e.g. 30 days date) or from the date of bill of lading, or from sight by the drawee (e.g. 30 days sight) which in practice means from the date of acceptance.
An essential feature of acceptance credits and D/A collections.
W
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Waive v. 放弃，免除，不坚持（权利，要求）
To relinquish a right: used in collections with BC charges and/or interest to be collected from the drawee: these can be waived in certain circumstances as set out in ICC 522.
银行基本业务口语
What kind of account did you have in your mind?
你想开哪种帐户?
Do you like to open a current account?
你想开一个活期存款帐户吗?
A deposit or current account?
定期还是活期?
Please tell me how you would like to deposit your money.
请告诉我你想存何种户头?
There's a service charge for the checking account but no charge for the savings.
支票户头要收服务费，现金户头不收。
Our minimum deposit for a savings account is 100 dollars.
我们储蓄存款的最低存款额是100美圆。
Five yuan is the minimum original deposit.
最低起存款额是5元。
You can open a savings account at any time with an initial deposit of 50 dollars.
你可随时以50美圆的起存额开立储蓄帐户。
Even one yuan is all right.
甚至一元也可以起存。
Here is your pasbook. Please bring it back when you deposit or withdraw money any t ime you like. Keep it well and inform us whenever you lose it.
这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。
I should like to open a current account.
我想开一个活期存款帐户。
I need a checking account so that I can pay my bill.
我需开个支票帐户，这样就能付帐。
We'd like to know how we open a checking-savings account.
我们想知道如何开一个支票储蓄帐户。
I have a checking account here.
我在这里有一个支票存款帐户。
I think I'd like a deposit account.
我想要开个定期存款帐户。
Can I open a current account here?
我能否在这儿开个活期存款帐户？
I want to open a deposit account with you.
我要开个储蓄帐户。
I'd like to open a deposit account with you.
我想在你们这儿开个定期存款帐户。
Could you tell me the difference between a savings account and a checking account? 请告诉我储蓄存款与支票存款的区别好吗？
Please tell me the procedure for opening a savings account.
请告诉我开个储蓄帐户需要什么手续。
Will 100 yuan be enough for a minimum deposit?
100元作最低存款额够吗？
I'd like to know whether a 200 yuan deposit will be enough for opening a checking ac count.
我想知道开一个支票帐户200元存款是否够。
Could you tell me how to operate this account?
请告诉我如何经管这个帐户好吗？
Is there any minimum for the first deposit?
第一次储蓄有最低限额吗？
How much does each account cost?
每个帐户要花多少钱？
Useful Phrases
current deposit, current account 活期存款
fixed deposit, fixed account定期存款
fixed deposit by installments零存整取
joint account联名存款帐户
to open an account开户头
银行英语口语－存款
How much do you want to deposit with us?
你想在我们这存多少？
How much do you wish to pay into your account?
你希望在你的户头上存多少？
How much money do you plan to keep in your account on a regular basis?
你计划在你的户头上定期存放多少钱？
How much cash do you plan to deposit in your account?
你有多少钱要存入呢？
I think you may deposit your money with the bank, or leave it here for temporary safe -keeping.
我认为你可把钱存入银行，或留在银行暂保管起来。
Would you please fill in the depositing form, giving the sum of money you're to depos it as well as your name, address and professional unit?
请填张存款单，写明要存的数额以及你的姓名，地址和工作的单位，好吗？
I want to deposit 300 yuan in my account.
我想在我的户头上存300元。
I want to deposit these cheques in my account.
我想把这些支票存在我的户头上。
I'd like to pay 200 yuan into my deposit account.
我想在在我的定期存款户头上存200元。
I want to deposit my paycheck.
我想存入我的工资支票。
I'd like to know whether I can cash a cheque here.
我想知道我能否在这兑换支票。
Will you please cash this traveler's cheque?
请兑现这张旅行支票好吗？
I'd like to cash this money order.
我想兑现这张汇款单。
I want to cash the balance of a traveler's letter of credit.
我要把旅行信用证的结余兑现。
Will you please tell me whether you charge for cheques?
请告诉我兑换支票收手续费吗？
Could you tell me how much the checks cost?
请告诉我这些支票要花多少钱？
What if I overdraw?
如果透支了怎么办？
Please sign your name on the bottom line if you want to cash the check.
如果想兑支票，请在底线上签名。
Please write your account number on the back of the check.
请在支票背面写上你的帐号。
We honored the check as the overdraft was only 5 yuan.
我们承兑这张支票的透支额只有5元。
Please endorse the cheque.
请背签这张支票。
The traveler's checks cost 1.5% of the total amount of purchase.
旅行支票手续费是购买总额的1.5%。
Here's the cheque book. When you send a cheque by post be careful to cross it, but i f you wish to cash a cheque yourself, you must leave it "open".
这是一本支票簿，你邮寄支票时，注意要在支票上打叉线。但是如果你本人想开张兑现支票，就不可打叉线。
Each cheque you write will cost 2 dollars.
你每开一张支票将花2美圆。
Useful Words and Phrases
account number帐目编号
depositor存户
pay-in slip存款单
a deposit form 存款单
a banding machine自动存取机
to deposit存款
deposit receipt 存款收据private deposits 私人存款certificate of deposit存单deposit book, passbook 存折credit card 信用卡principal 本金
overdraft, overdraw透支
to counter sign 双签
to endorse背书
endorser 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque拒付
to suspend payment 止付cheque,check 支票
cheque book支票本
order cheque记名支票bearer cheque 不记名支票crossed cheque横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler's cheque 旅行支票cheque for transfer转帐支票outstanding cheque未付支票canceled cheque 已付支票forged cheque伪支票Bandar's note 庄票，银票
1.汇票的制作10个项目 汇票的内容又分为绝对必要项目和相对必要项目。绝对必要项目：1.有“汇票”的字样。2.无条件支付命令。3.确定金额4.收款人名称5.付款人名称6出票日期7出票人签章 相对必要项目：1.出票地2.付款地3.付款日期 2.支票的种类 按抬头不同分类：1.记名支票2.不记名支票 对付款闲置不同分类：1.普通支票：可取现金。2.划线支票：不可取现金，只能转账。划线支票好处在于可以延缓交易时间，可以便于追踪资金轨迹。划线支票又分为特别划线支票和一般划线支票。特别划线支票平行线会加注付款账号行名称。一般划线无须固定账户。 按是否可以流通分为可流通支票和不可流通支票。 3.提单的总类 按提单收货人的抬头划分：1.记名提单，不记名提单，指示提单。 按货物是否已装船划分：1.已装船提单，收妥备运提单。 按提单上有无批注划分：1.清洁提单2不清洁提单。 按照运输方式的不同划分为：1.直达提单2转船提单3.联运提单4.多式联运提单 按签发提单的时间划分为：1.正常提单2过期提单3.预借提单4.倒签提单 4.信用证的种类 1.不可撤销信用证 2.保兑信用证 3.即期付款信用证，迟期信用证，议付信用证，承兑信用证。 4.假远期信用证 5.红条款信用证 6.循环信用证 7.可转让信用证8背靠背信用证9对开信用证 5.托收的种类 托收根据金融单据是否伴随商业单据分为光票托收和跟单托收。跟单托收又根据票据的期限分为付款交单（D/P）(即期)和承兑交单（D/A）（远期）。付款交单是指付款人对即期汇票付款然后交单。而承兑交单是指付款人对远期汇票承兑而进行交单。 汇票 BILL OF EXCHANGE No. 汇票编号Date: 出票日期 For: 汇票金额 At 付款期限sight of this second of exchange (first of the same tenor and date unpaid) pay to the order of 受款人 the sum of金额 Drawn under 出票条款 L/C No. 信用证号Dated 信用证开征时间 To. 付款人 出票人签章
商务英语词汇大全（一） economist 经济学家 socialist economy 社会主义经济capitalist economy 资本主义经济collective economy 集体经济planned economy 计划经济controlled economy 管制经济 rural economics 农村经济 liberal economy 经济 mixed economy 混合经济 political economy 政治经济学protectionism 保护主义 autarchy 闭关自守 primary sector 初级成分 private sector 私营成分,私营部门public sector 公共部门,公共成分economic channels 经济渠道economic balance 经济平衡economic fluctuation 经济波动economic depression 经济衰退economic stability 经济稳定economic policy 经济政策 economic recovery 经济复原understanding 约定 concentration 集中 holding company 控股公司 trust 托拉斯 cartel 卡特尔 rate of growth 增长 economic trend 经济趋势 economic situation 经济形势infrastructure 基本建设 standard of living 生活标准,生活水平purchasing power, buying power 购买力scarcity 短缺 stagnation 停滞,萧条,不景气underdevelopment 不发达underdeveloped 不发达的developing 发展中的 initial capital 创办资本 frozen capital 冻结资金 frozen assets 冻结资产 fixed assets 固定资产 real estate 不动产,房地产
国际结算常用缩写 AA Always afloat 经常漂浮 AA Always accessible 经常进入 AA Average adjusters 海损理算师 AAR Against all risks 承保一切险 AB Able bodied seamen 一级水手 AB Average bond 海损分担证书 A/B AKtiebolaget (瑞典)股份公司 A/B Abean 正横 ABS American Bureau of Shipping 美国船级协会ABT About 大约 ABB Abbreviation 缩略语 A/C,ACCT Account 帐目 AC Alter couse 改变航向 AC Account current 活期存款，来往 AC Alernating current 交流电 ACC Accepted; acceptance 接受，同意 ACC.L Accommodation ladder 舷梯 A.&C.P. Anchor & chains proved 锚及锚链试验合格ACV Air cushion vehicle 气垫船 ACDGLY Accordingly 遵照 AD Anno Domini 公元后 AD After draft 后吃水 ADD Address 地址 ADDCOM Address commission 租船佣金 ADF Automatic direction finder 自动测向仪 AD VAL Ad valorm 从价（运费） ADV Advise;advice; advance 告知；忠告；预支 A/E Auxiliary engine 辅机 AF Advanced freight 预付运费 AFAC As fast as can 尽可能快地 AF Agency fee 代理费 AFP Agence France press 法新社 AFS As follows 如下 AFT After 在。。。之后 A/G Aktiengeselskabet （德）股份公司 AG Act of god 天灾 AGRIPROD Agricultural products 农产品 AGN Again 再 AGT Agent 代理 AGW All going well 一切顺利 AH After hatch 后舱 AHL Australian hold ladder 澳洲舱梯 AL 1st class ship at Lloyd's 劳氏一级船
国际结算专业词汇 A Acceptance The act of giving a written undertaking on the face of a usance bill of exchange to pay a stated sum on the maturity date indicated by the drawee of the bill, (usually in exchange for documents of title to goods shipped on D/A terms) - see Collections Introduction. Acceptance Credit A documentary credit which requires the beneficiary to draw a usance bill for subsequent acceptance by the issuing bank or the advising bank or any other bank as the credit stipulates - see Documentary Credits. Accommodation Bill In the context of fraud, a bill drawn without a genuine underlying commercial transaction. Accountee Another name for the applicant/opener of a documentary credit i.e. the importer = the person for whose account the transaction is made. Advice of Fate The Collecting Bank informs the Remitting Bank of non- payment/non-acceptance or (for D/A bills) of acceptance and the bill maturity date - see Handling Import Collections. Advising Act of conveying the terms and conditions of a DC to the beneficiary. The advising bank is the issuing bank agent, usually located in the beneficiary country - see Export - DC Advising.
国际结算英文术语
国际结算(International settlement) 贸易(Trade Settlement) 非贸易(Non-Trade Settlement) EDI（Electronic Data Intercharge）电子数据交换， 控制文件（Control Documents） 有权签字人的印鉴（Specimen Signatures） 密押（Test Key） 费率表（Terms and Condition） 货物单据化，履约证书化，( cargo documentation , guarantee certification) 权利单据（document of title） 流通转让性（Negotiability） 让与（Assignment） 转让（Transfer） 流通转让（Negotiation） 汇票的定义是：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
payable at days/ months after stated date） ④板期付款(bills payable on a fixed future date) ⑤延期付款(bills payable at days/months after shipment/ the date of B/L) 收款人名称（payee） 同样金额期限的第二张不付款”〔pay this first bill of exchange（second of the same tenor and dated being unpaid） 需要时的受托处理人（referee in case of need）出票人（drawer） 收款人（payee） 背书人（endorser） 被背书人（endorsee） 出票(issue) （1）制成汇票并签字（to draw a draft and to sign it）； （2）将制成的汇票交付给收款人（to deliver the draft
International Settlements terms Chapter one Brief introduction to international trade transshipmen 转运 capacity容量，生产量 inspection检查，视察，检验，商检 arbitration仲裁，公断 inquiry质询，调查，询盘，问价 quotation价格，报价单，行情表，报价 facilitate便利，使容易 1oan facility贷款便利 domestic家庭的，国内的 domestic product国内生产的产品 consideration体谅，考虑，需要考虑的事项，报酬，因素 dimension尺寸，尺度，维(数)，体积 warehouse 仓库v．存仓 premises房屋及周围的土地，这里表示“公司或企业的所在地”amendment改善，改正，修改 update使现代化，使跟上最新的发展 reversal颠倒，逆转，反转，倒转 fulfill履行，实现，完成(计划等) fulfill ones obligation履行(职责) formality拘谨，礼节，正式手续 quay码头 procure获得，取得 to procure marine insurance 办理海上保险 to procure ship租船 breach n.违背，破坏，破裂 breach of the contract毁约 frontier国境，边疆，边境 adjoin邻接，临近，毗邻 adjoining邻接的，隔壁的，临近的 the adjoining room隔壁的房子 adjoining country邻国 furnish供应，提供， deficiency缺乏，不足 jurisdiction权限，司法权，裁判权 fluctuation波动，起伏 variation变更，变化，变异，变种 permutation置换，彻底改变，兑变 commitment委托事项，许诺，承担义务，承诺 domicile住处，法定居住地 currency／foreign exchange fluctuation汇率波动
《国际结算》课程词汇中英文Acceptance 承兑 Acceptance Bill 承兑汇票 Acceptance for Honor 参加承兑 Acceptance Prohibited 不得提示承兑 Accepting Bank 承兑行 Acceptor for Honor 参加承兑人 Account Payee 入账款入账 Additional Documents 附属单据 Addressee 收件人 Advanced Payment Guarantee 预付款保函 Advance Factoring 预支保理业务 Advise 通知 Advising Bank 通知行 Agency Office 代理处 Airport of Departure 起运地 Airport of Destination 目的地 Airway Bill 航空运单 All Risks（A.R.）一切险 Amount 金额 Amount of Insurance 保险金额 Anti-Date B/L 倒签提单
Applicant 开征申请人、申请人 Assignee 受让人 Assignee of Proceeds 款项让渡 Assured 被保险人 Assurer 保险人 At a Fixed Date 定日 At a Fixed Period after Date 出票后定期At a Fixed Period after Sight 见票后定期At Sight 即期 Average 海损 Banker’s Cheque 银行支票 Banker’s Demand Draft 银行即期汇票Banker’s Promissory Note 银行本票Banker’s Draft 银行汇票 Bank’s Acceptance Credit 银行承兑信用证Bank’s L/C 银行保函 Bank-to-Bank 银行间 Barter Trade 易货 Basic Documents 基本单据 Bearer B/L 不记名提单 Beneficiary 受益人 Be Sold out/up 售定
英文名词翻译 第一章 国际结算导论 international settlement 美国CHIPS 系统：纽约清算银行同业支付系统 英国CHAPS 系统: 清算所自动支付体系 布鲁塞尔SWIFT 系统： 环球银行金融电讯协会 (Critical Point for Delivery) 交货临界点 (Critical Point for Risk) 风险临界点 (Critical Point for Cost)费用临界点 《国际贸易术语解释通则》 Incoterms2000 visible trade :有(无)形贸易 (representative office) 代表处 ( agency office)代理处 （overseas sister bank /branch,subbranch ）海外分/支行 （correspondent bank ） 代理银行 （subsidiary bank ）附属银行（子银行） （affiliated banks ） 联营银行 （consortium bank ）银团银行 甲行以乙国货币在乙行设立帐户: 甲行是往帐（Nostro a/c),即我行在你行设帐（Our a/c with you ） 乙行以甲国货币在甲行设立帐户 甲行是来帐（V ostro a/c),即你行在我行设帐（Your a/c with us ） 在银行实际业务中，增加使用“贷记”（To Credit ），减少使用“借记”（To Debit ） 第二章 票据Instrument drawer 出票人 drawee/payer 付款人 payee 收款人 endorser 背书人 endorsee 被背书人 holder in due course 善意持票人 acceptor 承兑人 guarantor 保证人 bill of exchange 汇票 mandatory elements issue 出票 endorsement 背书 presentation 提示 acceptance 承兑 payment 付款 dishonor 拒付 recourse 追索 guarantee 保证 限制性抬头 restrictive order (pay E company only)(pay E company not transferable) 指示性抬头 demonstrative order (pay to the order of B company)(pay to B company or order) 持票来人抬头 payable to bearer (pay to bearer)(pay to A company or bearer) UCP600：《跟单信用证统一惯例》 URC 522 ;《托收统一规则》 URDG458：《见索即付保函统一规则》 URR 525：《跟单信用证项下银行间偿付统一规则》 URCB524：《合同保函统一规则》
二、单选题 1．最简单的结算方式为（） A．汇款B．托收 C．信用证D．银行保函 答案: A 2．（）贸易方式采购大型机器设备需要开立保函，还要开立延期付款信用证，是一种最复杂的结算方式。（） A．投标B．补偿贸易 C．易货贸易D．寄售 答案:A 3．国际结算是随着（）的发展而产生和发展的。（） A．国际贸易B．商品生产 C．商品交换D．国际金融 答案:A 4．易货贸易方式采用（）方式，比普通信用证复杂一些。（） A．汇款B．托收 C．循环信用证D．对开信用证 答案:D 5．电子数据交换的英文缩写为（） A．EDI B．B/E C．B/L D．EID 答案:A 6．某银行签发一张汇票，以另一家银行为受票人，则这张汇票是（） A．商业汇票B．银行汇票 C．商业承兑汇票D．银行承兑汇票 答案:B 7．某公司签发一张汇票，上面注明“At 90 days after sight”，则这是一张（） A．即期汇票B．远期汇票 C．跟单汇票D．光票 答案:B 8．在我国实际出口业务中，出口公司开出的汇票在信用证结算方式下出票原因栏应填写（） A．合同号码及签订日期 B．发票号码及签发日期
C．提单号码及签发日期 D．信用证号码及出证日 答案:D 9．在信用证结算方式下，汇票的受款人通常的抬头方式是（）。 A．限制性抬头B．指示式抬头 C．持票人抬头D．来人抬头 答案:B 10．在汇票的使用过程中，使汇票一切债务终止的环节是（） A．提示B．承兑 C．背书D．付款 答案:D 11．如果出票人想避免承担被追索的责任，也可以在汇票上加注（） A．付一不付二B．见索即偿 C．不受追索D．单到付款 答案:C 12．某支票签发人在银行的存款总额低于他所签发的支票票面金额，他签发的这种支票称（） A．现金支票B．转帐支票 C．旅行支票D．空头支票。 答案:D 13．计算汇票付款具体时间时，必须包括（） A．见票日B．出票日 C．提单日D．付款日 答案:D 14．属于汇票必要项目的是（） A．“付一不付二”的注明B．付款时间 C．对价条款D．禁止转让的文字 答案:B 15．背书人在汇票背面只有签名，不写被背书人，这是（） A．限定性背书B．特别背书 C．记名背书D．空白背书 答案:D 16．承兑人对出票人的指示不加限制地同意确认，这是（） A．一般承兑B．特别承兑 C．普通承兑D．限制承兑 答案:A
Important Principles Regarding the Role of Banks It is important to note that documentary collection procedures are not infallible. Things can and do go wrong. Since banks act as intermediaries between buyers and sellers, both look to the banks as protectors of their interests. However, while banks have clear cut responsibilities, they are also shielded from certain problems deemed to be out of their control or responsibility. Several instances: 1.Banks act upon specific instructions given by the principal (seller) in the collection order. Seller’s instructions left out of the collection order by mistake or omitted because “we’ve always done it that way” don’t count. The principal, therefore, should take great care in preparing the collection order so that it gives complete and clear instructions. 2.Banks are required to act in good faith and exercise reasonable care to verify that the documents submitted APPEAR to be as listed in the collection order. They are, however, under no obligation to confirm the authenticity of the documents submitted. 3.Banks are not liable nor can they be held accountable for the acts of third parties. Third parties include freight forwarders, forwarding agents, customs authorities, delays or consequences resulting from Acts of God (floods, earthquakes, etc.), riots wars, civil commotions, strikes, lockouts, or other causes beyond their control. 4.Banks also assume no liability or responsibility for loss arising out of delays or loss in transit of messages, letters, documents, etc. 5.Banks assume no responsibility regarding the quantity or quality of goods shipped. They are only concerned that documents presented appear on their face to be consistent with the instructions in the collection order. Any dispute as to quality or quantity of goods delivered must be settled between the buyer and the seller. 6.Without explicit instructions, the collecting bank takes no steps to store or insure the goods. This, of course, can be a problem for both the seller and the buyers. If the seller has not received payment he still has ownership and an insurable interest in the goods. 7.If a collection remains unpaid or a bill of exchange is not accepted and the collecting bank receives no new instructions within 90 days, it may return the documents to the bank from which it received the collection order.
投行人常用的英语金融词汇 2012年01月15日 15:37:32 Accounts payable 应付帐款 Accounts receivable 应收帐款 Accrued interest 应计利息 Accredited Investors 合资格投资者；受信投资人 指符合美国证券交易委员(SEC)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者 Accredit value 自然增长值 ACE 美国商品交易所 ADB 亚洲开发银行 ADR 美国存股证；美国预托收据；美国存托凭证 [股市] 指由负责保管所存托外国股票的存托银行所发行一种表明持有人拥有多少外国股票(即存托股份)的收据。ADR一般以美元计价和进行交易，及被视为美国证券。对很多美国投资者而言，买卖ADR比买卖ADR所代表的股票更加方便、更流动、成本较低和容易。 大部份预托收据为ADR；但也可以指全球预托收(GDR) ，欧洲预托收据(EDR) 或国际预托收据(IDR) 。从法律和行政立场而言，所有预托收据具有同样的意义。 ADS 美国存托股份 Affiliated company 关联公司；联营公司 After-market 后市 [股市] 指某只新发行股票在定价和配置后的交易市场。市场参与者关注的是紧随的后市情况，即头几个交易日。有人把后市定义为股价稳定期，即发行结束后的30天。也有人认为后市应指稳定期过后的交易市况。然而，较为普遍的是把这段时期视为二级市场 AGM 周年大会 Agreement 协议；协定 All-or-none order 整批委托 Allocation 分配；配置 Allotment 配股 Alpha (Market Alpha) 阿尔法；预期市场可得收益水平 Alternative investment 另类投资 American Commodities Exchange美国商品交易所 American Depository Receipt 美国存股证；美国预托收据；美国存托凭证 (简称“ADR ”参见ADR栏 目) American Depository Share 美国存托股份 Amercian Stock Exchange 美国证券交易所 American style option 美式期权
《国际结算》模拟试题（六） 一、写出下列专业术语英文缩写的中文全称（5分） １、T/R ： ２、W/W ： ３、GSPD ： ４、EMS ： ５、DHL ： 二、单项选择题（只有唯一正确答案）（每题1分，共10分） 1、目前，世界集装箱航运中心位于（）。 A、北美地区 B、中东地区 C、欧洲地区 D、亚太地区 2、目前，我国的货币－人民币属于（）。 A、自由兑换的货币 B、不能自由兑换的货币 C、有限度的自由兑换货币 D、以上都不是 3、非贸易国际结算的内容不包括（）。 A、保险收支 B、银行收支 C、外轮代理与服务收入 D、补偿贸易收入 4、旅行信用证的兑付银行是（）。 A、旅行地的任意银行 B、开证行指定银行 C、申请人挑选的银行 D、任意银行 5、欧洲的支付系统是（）。 A、CHAPS B、BOT-NET C、SIC D、TARGET 6、最主要的头寸调拨方式是（）。 A、先拨后付 B、先付后偿 C、预付货款 D、货到付款 7、（）不属于汇款方式。 A、逆汇 B、票汇 C、电汇 D、信汇 8、《跟单信用证统一惯例》规定，若信用证上既没有注明"可撤销"，又没注明"不可撤销"，则该信用证属于（）。 A、可撤销信用证 B、不可撤销信用证 C、无效信用证 D、以上都不对 9、除非信用证另有说明，否则可转让信用证能转让（）。 A、一次 B、二次 C、三次 D、无限次 10、以下汇票中，什么项目是确认债务的唯一方法（）。 A、无条件支付命令 B、收款人姓名 C、付款人姓名 D、出票人签名 三、多项选择题（每题2分，共22分） 1、国际货币基金组织规定，若遵守其协定的第八条款，则必须（）。 A、不限制经常性往来的支付和资金转移 B、不实行歧视性货币政策 C、实行单一汇率制度 D、实行完全自由的浮动汇率制度 E、兑换其他成员国从经常性交易中所取得的本国货币 2、开证行在承担跟单信用证的付款责任时，要求卖方做到（）。 A、提供买方所需要的货运单据 B、提供买卖双方签订的贸易合同 C、在信用证的效期内交单 D、在信用证的装期内装船 E、所要求的金额在信用证的规定金额之内 3、《跟单信用证统一惯例》规定，银行在信用证业务中只须审查（）。 A、信用证 B、贸易合同 C、货运单据 D、货物样品 E、以上都必须 4、支付系统的基本要素包括（）。 A、收款人 B、付款人开户行 C、付款人 D、收款人开户行 E、票据交换所 5、EDI在外贸领域的应用已达到比较成熟的阶段，贸易商可以通过EDI（）。 A、发订单 B、办理海关手续 C、接受订单 D、询问有关商品信息 E、办理货物运输 6、下列银行业务中，属于逆汇结算的有（）。 A、电汇 B、信汇 C、信用证业务 D、托收 E、票汇
KEY OF INTERNATIONAL SETTLEMENT Chapter 1 1.Put the following phrases into English 2.Put the following sentences into English (1)国际结算涉及有形贸易和无形贸易，外国投资，从其他国家借贷资金，等等。 The international settlement involves tangible trades, intangible trades, foreign investments, funds borrowed from or lent to other countries and so on. (2)许多银行注重发展国际结算和贸易融资的业务。 Many banks have focused on their business of international settlement and trade finance. (3)大多数国际间的支付来自于世界贸易。 Most of the international payments originate from transactions in the world trade. (4)一般来说，国际结算的方式分为三类：汇款、托收和信用证。 Usually the international settlement is divided into three broad categories: remittance, collection and letter of credit.
3. True or False 1)International payments and settlements are financial activities conducted in the domestic country. (F) 2)Fund transfers are processed and settled through certain clearing systems.(T) 3)Using the SWIFT network, banks can communicate with both customers and colleagues in a structured, secure, and timely manner.(T) 4)SWIFT can achieve same day transfer.(T) 4.Multiple Choice 1)SWIFT is __B__ A.in the united states B. a kind of communications belonging to TT system for interbank’s fund transfer C.an institution of the United Nations D. a governmental organization 2)SWIFT is an organization based in __A___ A.Brussels B.New York C.London D.Hong Kong 3) A facility in fund arrangement for buyers or sellers is referred to __A___ A.trade finance B.sale contract C.letter of credit D.bill of exchange 4)Fund transfers are processed and settled through __C___
国际结算(International settlement) 贸易(Trade Settlement) 非贸易(Non-Trade Settlement) EDI（Electronic Data Intercharge）电子数据交换， 控制文件（Control Documents） 有权签字人的印鉴（Specimen Signatures） 密押（Test Key） 费率表（Terms and Condition） 货物单据化，履约证书化，( cargo documentation , guarantee certification) 权利单据（document of title） 流通转让性（Negotiability） 让与（Assignment） 转让（Transfer） 流通转让（Negotiation） 汇票的定义是：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 the order or specified person or to bearer. “汇票” (bill of exchange，exchange或draft) 无条件支付命令（unconditional order to pay） 出票条款（drawn clause） 利息条款（with interest） 分期付款(by stated instalment) 支付等值其它货币( pay the other currency according to an indicated rate of exchange) 付款人（payer）受票人（drawee） 付款期限（time of payment）或（tenor） 即期（at sight, on demand, on presentation）付款。 远期（at a determinable future time , time/ usance / term bill）付款。 期限远期付款的表现形式: ①见票后若干天(月)付款（bills payable at days/ months after sight） ②出票后若干天（月）付款（bills payable at days/ months after date） ③预定日期后若干天（月）付款（bills payable at days/ months after stated date） ④板期付款(bills payable on a fixed future date) ⑤延期付款(bills payable at days/months after shipment/ the date of B/L) 收款人名称（payee） 同样金额期限的第二张不付款”〔pay this first bill of exchange（second of the same tenor and dated being unpaid） 需要时的受托处理人（referee in case of need） 出票人（drawer） 收款人（payee） 背书人（endorser） 被背书人（endorsee） 出票(issue)
招商银行：Chi na Mercha nts Bank 中国工商银行：In dustrial and Commercial Bank of Chi na 中国农业银行：Agricultural Ba nk of Chi na 花旗银行：Citiba nk 中信银行：Chi na Citic Bank 交通银行：Bank of Communi cati ons 中国光大银行：Chi na Everbright Bank 中国建设银行：Chi na Con struction Bank 广东发展银行：Guan gdo ng Developme nt Bank 中国银行：Ba nk of Ch ina 中国民生银行：Chi na Min she ng Banking Co., Ltd. 兴业银行：In dustrial Ba nk Co., Ltd. 北京银行：Bank of China
短信费：SMS fee 账户管理费：Acco unt man ageme nt fee 现存/现金存入：Cash deposit 转支：Withdrawal through transfer 结息：Interest settlement 消费：Consumption 网银转账：On li ne tran sfer/ Tran sfer via on li ne bank 现支：Cash withdrawal 手续费：Service fee 利息税：In terest tax ATM跨行取现：Draw cash across ba nk from ATM 转存：Redeposit 委托扣：En trusted deduct ion 基金分红: Fund divide nds 授权结算: Authorized settleme nt 快捷支付：swift payme nt
国际结算知识(中英文对照) 不可撤销跟单信用证（公开议付） 公开议付（Unrestricted Negotiation）亦称自由议付。凡公开议付信用证，一般来讲在信用证的议付条款中须注明“公开议付”（Free Negotiation）字样。 但有的信用证不载明此字样，而载明“邀请”（Invitation）或“建议”（Order）公开议付条款。 开证银行开立的信用证是通过其承诺条款（Undertaking Clause）或称保证条款来表达其公开议付的功能。 凡信用证中列有如下承诺条款的，皆为公开议付： 1、本银行（开证银行）向出票人、背书人及正当持票人保证，凡依本信用证所列条款开具的汇票，于提交时承担付款责任。 We (Issuing Bank) hereby engage with the drawers, endorsersand bona - fide holders of draft(s) drawn under and in compliancewith the terms of the credit that such draft(s) shall be duly honoured on due presentation and delivery of documents as specified. 2、凡依本信用证条款开具并提示汇票，本银行保证对其出票人、背书人和正当持票人于交单时承兑付款。 Provided such drafts are drawn and presented in accordance withthe terms of this credit, we hereby engage with the drawers, endorsers and bona - fide holders that the said drafts shall be duly honoured on presentation. 3、本信用证项下签发的汇票并符合信用证所列条款，则其出票人、背书人、及正当持票人于19＿＿＿＿年＿月＿日以前向议付银行提示议付，开证银行保证于提交单据时付清票款。 We hereby agree with the drawers，endorsers and bona-fide holdersof drafts drawn under and in compliance with the terms of this credit that the same shall be duly honoured on due presentation, and negotiated at the Negotiating Bank on or before, 19＿＿＿。 4、本银行向出票人、背书人及正当持票人表示同意，凡依本信用证所列条款开具的汇票，向本银行提示时。到期即予以付清票款。