(完整版)参考资料：《国际结算》相关术语中英文对照与中文名词解释

《国际结算》关键术语第一章国际结算导论国际贸易结算：以票据为基础，单据为条件，银行为中枢，结算与融资相结合的非现金结算体系。

现金结算：指在贸易中，双方直接用现金进行收付的行为。

非现金结算：指在贸易中，双方使用非现金的形式如通过银行进行结算等其他方式。

现汇结算：指贸易双方选择可自由兑换货币即国际货币进行结算的方式，可以是现金及票据或银行信用。

记账结算：也称协定贸易结算，指国家之间所签贸易协定下的商品进出口贸易结算，只用于支付对方国债务，通过银行办理记账结算，不能自由运用。

货币可兑换性：指一国货币的自由兑换程度，只要不受限制可以自由兑换其他货币则为可兑换货币，反之，则不可兑换。

国际商会：（ICC)国际民间组织，致力于协调国际贸易纠纷，并制定国际统一规则与惯例，虽非强制性公约，但被各国普遍接受。

贸易术语：（Trade Terms）是规定价格的构成及买卖双方各自的责任、费用、风险以及确定货物所有权转移时限的专门用语。

推定交货：即货物单据化，以货物单据代表货物所有权，从而只处理货运单据而不管货物。

大额资金转账系统：即大额支付系统，是国际贸易中一国资金支付清算体系的主干线，其运行将对金融市场及金融体系效率产生重大影响。

小额定时结算：即满足社会经济中资金流动额度较小而业务量大的支付系统，一般由极强的支付能力如各国银行系统、私营清算机构经营。

FEDWIRE:联邦资金转账系统，属于美联储，即美元清算体系一员，是一个实时的、全额的、贷记的资金转账系统，包括电子薄记式政府证劵转账系统。

CHIPS:清算所同业支付系统，由纽约清算协会拥有的私营支付系统，与前者类似，是一个贷记转账、作为替代纸票据清算的电子系统。

CHAPS:交换银行自动收付系统，一种以英镑为主的清算体系。

TARGET:欧洲间实时全额自动清算系统，即是一个跨国大额支付系统。

负责欧元国家间大额欧元交易的清算。

SWIFT:环球银行金融电讯协会，影响力最大的组织，其本身不包括结算和清算，只是通信网络，各国会员银行可通过此电讯系统联机，如此业务即可自动处理。

一、名词解释国际结算:是指国际间由于政治、经济、文化、外交、军事等方面的交往或联系而发生的以货币表示的债权债务的清偿行为或资金转移行为。

国际贸易结算：以票据为基础，单据为条件，银行为中枢，结算与融资相结合的非现金结算体系。

票据：是指由出票人签发的，具有一定格式，约定债务人按期无条件支付一定金额，并经过背书可转让的书面支付凭证。

（有价证券之父）汇票：是出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。

本票：出票人签发的，承诺自己在见票时无条件支付确定金额给收款人或者持票人的票据。

支票：银行存款户根据协议向银行签发的即期无条件支付命令。

背书：是指持票人在票据背面签名，并交付给受让人的行为。

顺汇：系统结算工具的流向与货款的流向是同一个方向，是由债务人主动将款项交给本国银行，委托该银行通过某种结算工具的使用将汇款汇付给国外债权人或收款人。

逆汇：系统结算工具的流向与货款的流向是反方向。

是由债权人通过出具票据委托本国银行向国外债务人收取汇票金额的结算方式。

电汇（T/T）：是汇出行应汇款人的申请，代其开立以汇入行为付款人的银行即期汇票，并交换汇款人，由汇款人自寄或者自带给国外收款人，由收款人到汇入行凭票取款的汇款方式。

信汇（M/T）：是汇出行应汇款人的申请，用航空信函指示汇入行解付一定金额给收款人的汇款方式。

票汇（D/D）：是汇出行应汇款人的申请，代其开立以汇入行为付款人的银行即期汇票，并交换汇款人，由汇款人自寄或者自带给国外收款人，由收款人到汇入行凭票取款的汇款方式。

托收：是银行根据委托人的指示处理金融单据或商业单据，目的是取得承兑或付款，并在承兑或付款后交付单据的行为。

包括光票托收和跟单托收两种基本形式。

光票托收：指不附带任何货运单据的票据的托收。

其货运单据由卖方直接寄交卖方，汇票则委托银行托收。

常见的有银行汇票、本票、支票、旅行支票和商业汇票等。

跟单托收：是随货运单据的托收，是出口商在装运货物后，将汇票（也可以不要汇票）连同货运单据交给银行，委托银行代为收款的一种结算方式。

国际结算（international settlement）是一项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。

信用工具（financial instruments）是以书面形式发行和流通，用以证明债权人权利和债务人义务的契约证书。

汇款（remittance）托收（collection）信用证（letter of credit 简称L/C）保付代理（简称保理，factoring）包买票据（forfaiting）单据（documents）国际贸易结算中使用的所有商业单据与金融单据。

商业单据（commercial documents）指的是狭义的单据。

常见的单据：发票（invoice），提单（bill of lading，简称B/L），保险单（insurance policy），附属单据（海关发票、领事发票）等国际贸易融资（international trade finance）又叫国际结算融资，指围绕国际贸易结算的各个环节发生的资金和信用融通活动。

SWIFT把银行业务分为9大类型：1.客户汇款（customer transfer）2.银行间头寸调拨（bank transfer）3.外汇业务（foreign exchange confirmation）4.托收业务（collection）5.证券业务（securities）6.贵金属和银团贷款业务（precious metal and syndication）7.信用证和保函（documentary credit and guarantees）8.旅行支票（travelers cheques）9.银行帐单处理（statements）清算（clearing）是指不同银行之间因资金的代收、代付而引起的债权债务通过票据清算所或清算网络进行清偿的活动。

清算所同业支付系统（CHIPS）是作为替代纸票据清算的一个电子系统。

也是一个贷记转帐系统。

一，名词解释第一章International Settlement（国际结算）：International Settlement is defined as financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another, in order to settle accounts, debts, claims and etc.Negotiable instruments（可转让票据）：A negotiable instrument is an instrument the titles on which can be transferred easily from one party to another, which is a kind of financial documents.Drawer（出票人）drawee（付款人）payee（收款人）endorse（背书）letter of credit（信用证）Standby letter of credit（备用信用证）guarantee（保函）international factoring（国际保理）international forfaiting（国际无追索权买断）Marine Bill Of Lading（海运提货单）Airway Bill（空运提单）Insurance Policy（保险单）Customs Invoice（海关发票）International Cargo Trade Settlement（国际货物贸易结算）：The financial activity arising from international cargo merchandise trade is called international cargo trade settlement.International Service Trade Settlement（国际服务贸易结算）：International service trade settlement refers to the settlement related to the cross-border services providing.General Agreement on Trade in Service（服务贸易总协定）：a treaty of the World Trade Organization, covers four modes of supply for the delivery of services in cross-border trade.Cross-border supply（跨境交付）：refer to the services delivered within the territory of the member, from the territory of another member. It is the services but not the people or material that crosses the border.Consumption abroad（境外消费）：Consumption abroad is the services delivered outside the territory of the member, in the territory of another member, to a service consumer of themember.Commercial presence（商业存在）：Commercial presence is the services delivered within the territory of the member, through the commercial presence of the supplier.Presence of natural person（自然人流动）：Presence of natural person is services delivered within the territory of the member, with supplier presenting as a natural person.International Non-trade Settlement（国际非贸易结算）：International Non-Trade Settlement refers to financial activities that are generated in the course of other cross-border economic (excluding international trade), political and cultural contacts.Cash on Delivery（货到付款）Document against payment（付款交单）clearing systems（清算系统）Clearing House Inter-bank Payment System(CHIPS) 紐約清算所銀行同業支付系統Clearing House Automated Payment System(CHAPS) 自動支付清算系統negotiating bank（议付银行）accepting bank（承兑银行）reimbursement bank（偿付银行）confirming bank（保兑银行）International Trade Customs and Practices（国际贸易惯例）：International customs and practices are the habitual patterns rules and regulations recognized by international community. They are formed in long-term international communication and practice.UK Bill of Exchange Act of 1882（汇票法）US Uniform Commercial Code of 1952（统一商法典）Correspondent Bank（关系银行）：When a local bank and a foreign bank provide agency services for each other under an agreement, the two banks become correspondent banks in international settlement mutually.Depository Bank（保管银行）Non- depository Bank（非保管银行）第二章Bill of Exchange（汇票）：Bill of Exchange is “an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person or to the bearer.”Promissory Note（本票）：A promissory note is an unconditional promise in writing made byone person to another signed by the maker, engaging 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.Cheque（支票）：it is “an bill of exchange drawn on a banker payable on demand” It is an unconditional order in writing, signed by the person giving it, requiring the banker to whom it is addressed to pay on demand a sum certain in money to, or to the order of, a specified person or to bearer.Non-causative Nature（无因性）：means when the creditor exercises his right (ask the payer for payment), he needn’t indicates the payer the reason.General acceptance（一般承兑）：It means the acceptor signs on the face of the draft, accepting the drawer’s order without restrictive statementQualified acceptance（条件承兑）：It means the acceptor signs on the face of the draft, using specific wording to change the effect after acceptance.Dishonor（拒付）：Act of dishonor is a failure or refusal of acceptance or payment of a bill of exchange when presented.Right of Recourse（追索权）：Recourse refers to act of the holder to demand for paymentfrom the drawer and endorser in case that the draft has been dishonored.Crossed cheque（划线支票）is the cheque with the two parallels on the face, it can be used only for account transferOpen cheque（普通支票）：is the cheque without the two parallels on the face, it can be used for cash withdrawal and account transferCertified cheque（保付支票）：is one that is certified by the drawee bank. Once a cheque is certified by the drawee bank, all other obligors on the cheque would be discharged from the liability of payment.Uncertified cheque（未证明支票）：is the counter example of certified cheque.cheque payable to bearer（无记名支票）：When the payee of a cheque is the bearer. It can be transferred against delivery.cheque payable to order（记名支票）：When the payee of a cheque is a nominated person.第三章：Remittance（汇付）：refers to funds transfer from one party to another among different countries.Remitting Bank（汇出行）：Remitting Bank is the bank that transfers funds at the request of remitter to its correspondent or branch in another country and instructs the latter to pay a certain amount of money to the beneficiaryBeneficiary（收款人）Paying Bank（付款行）：Paying bank is the bank that is entrusted in the payment instruction by the remitting bank to pay a certain amount of money to the payee or the beneficiary.Telegraphic Transfer(T/T)：电汇：Telegraphic transfer means the remitting bank sends its payment order to the paying bank by cable/telex/SWIFT. It is the most efficient and safest way to transfer fund.Mail Transfer (M/T)：信汇：Mail transfer means that the remitting bank, on the request of the remitter, transfers the funds by mailing a payment order or mail transfer advice, authorizing the paying bank to make payment to the payee or the beneficiaryDemand Draft (D/D)：即期汇票/票汇：Demand draft is a remittance that the remitting bank , at the request of the remitter , draws a demand draft on the paying bank , ordering the latter to pay a certain sum of money to the beneficiary(the payee of the draft) on presentation.Remittance Reimbursement（回款）：When the paying bank effects payment to the payee according to the remitting bank's instruction, the paying bank will be paid the same amount from the remitting bank.Cancellation of Remittance（取消汇款）：means the remittance can be canceled before its payment It can be done by either the remitter or the beneficiary.第四章collection（托收）：It means when exporter (or the creditor) has shipped the ordered goods or provided the regulated services, he will submit financial documents or commercial documents or both, which evidence the fulfillment of the contract obligation and claim thereto, to his bank, request his bank, to entrust the importer’s bank ( normally the exporter bank’s correspondent bank ) to present the document to the importer (or the debtor), and to collect money for goods or service from the importer.Financial documents（金融单据）：bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment.Commercial documents（商业单据）：invoices, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financialdocuments.Principal（委托人）：It is a party that entrusts the bank to handle collection business. He hands commercial documents or financial instruments or both to the bank, instructing the remitting bank to collect money for goods or service for him.Clean Collection（光票托收）：It is collection of financial documents not accompanied by commercial documents.Documentary Collection（跟单托收）：It refers to the process by which the principal submits financial documents accompanied by commercial documents or commercial documents only to remitting bank for collecting proceeds from the draweeDocuments against Payment (D/P)：付款交单：D/P means documents will be released only against paymentDocuments against Acceptance (D/A)：承兑交单：means that the collecting bank isallowed to release the documents to the drawee against the drawee’s acceptance of a draftDirect Collection（直接托收）：Direct collection is an arrangement which the principal obtains remitting bank’s pre-numbered direct collection instruction, which is filled by the principal himself enabling him to send the documents directly to collecting bank for collection.第五章：letter of credit（信用证）：a letter of credit is an undertaking at the request of the applicant, written by the issuing bank to the beneficiary, informing it that the bank will pay a sum certain in money, if it provides complying documents within a prescribed time of period.。

国际结算(International settlement):是指两个处于不同国家的当事人，（因为商品买卖、服务供应、资金调拨、国际借贷）通过银行进行的货币收付业务。

汇票(Bill of Exchange):是由一人向另一人签发的书面的无条件的命令，要求其立即、或定期，或在将来可以确定的时间，把一定金额的货币支付给一个特定的人，或他的指定人，或来人。

本票(Promissory Note):是一项书面的无条件的支付承诺，由一人做成，并交给另一人，经制票人签名承诺即期或定期或在可以确定的将来时间，支付一定数目的金钱给一个特定的人或其指定人或来人。

支票(Cheque):是一种以银行为付款人的即期汇票。

汇款(Remittance):由汇款人委托给银行，将款项汇交给收款人的一种结算方式，是一种顺汇方式。

托收(Collection):是委托收款的简称。

卖方在装船后根据贸易合同的规定，委托当地银行通过买方所在地银行向买方收取货款的行为。

信用证(Letter of Credit):是一种银行开立的有条件的承诺付款的书面文件。

商业发票(COMMERCIAL INVOICE):是出口商向进口商开立的发货价目清单，记载有货物名称、数量、价格等内容，是卖方向买方计收货款的依据。

海运提单(Marine/Ocean Bills of Lading):是要求港至港（Port to Port)的运输单据。

是由承运人或其代理人根据海运合同签发给托运人的证明文件，表明货物已经装上指定船只或已经收妥待运，约定将货物运往载明的目的地，交给收货人或提单持有人。

保险单(INSURANCE policy):是保险公司对被保险人的承保证明，又是双方之间权利义务的契约，在被保险货物遭受损失时，它是被保险人索赔的主要依据，也是保险公司理赔的主要依据。

分行(Branch Bank):到国外开设自己的分支机构。

国外分行是其总行在东道国经营常规银行业务的合法经营机构。

1、Bill of exchange(汇票): an unconditional order in writing addressed by one person toanother, signed by the drawer, requiring the drawee 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.2、Sight bill（demand bill, or sight draft即期汇票）：is payable at sight, on demand, or onpresentation.3、Usance bill (time draft , or term draft 远期汇票)：is payable at a fixed or determinablefuture time.4、promissory note(本票): an unconditional promise in writing made by one person toanother, signed by the maker,engaging 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.5、Trader’s note(商业本票): The maker is a trader, say, an individual or an enterprise.6、Banker’s note（银行本票）：It is made by a bank, usually on demand.7、Check(支票)：an unconditional order in writing, signed by the person giving it, requiringthe drawee bank to whom it is addressed to pay on demand a sum certain in money to, or the order of a specified person or the bearer.8、Crossed check（划线支票）: It means the check bearing two parallel lines on the face. It mustbe paid into a bank account and cannot be cashed over the counter.9、Uncrossed check(open check 非划线支票)：Those bearing no crossing on the face are calleduncrossed checks.10、Certified check（保兑支票）：It is a check that is certified by the drawee bank. Once it is certified, all other obligors on the check will be discharged of the liability of payment.11、Collection(托收)：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 bank located in the domicile of the buyer.12、Clean collection(光票托收)：a collection on financial documents without being accompanied commercial documents such as invoices, bill of lading, insurance policy, etc.13、Documentary collection(跟单托收)：a collection on financial instruments being accompanied by commercial documents or collection on commercial documents without being accompanied by financial documents.14、Factoring（保理）：A factoring contract means a contract pursuant （依照）to which a supplier （供应商）may or will assign accounts receivable （应付账款）to a facto r for ledgering receivables（计应收款分类账）, collecting proceeds and / or protecting against bad debts. 15、Forfeiting（票据包买业务）：is the business of discounting medium-term and long-term promissory note or drafts without recourse related to an international trade transaction. The promissory notes or drafts are accepted by the importer and guaranteed b y an importer’s bank ensuring the holder that the importer will pay it at maturity.16、Letter of credit（信用证）: is a letter written by a bank to the beneficiary, informing the beneficiary that the bank will pay a sum certain in money to the beneficiary if the beneficiary provides the bank with certain described documents within a prescribed time period.17、Acceptance credit(承兑信用证)：the acceptance credit is one that indicates a bank which is called accepting bank, be it the issuing bank or another nominated bank, to accept and pay the face value of draft drawn on this bank at maturity.中心汇票汇款（票汇的一种）寄售consignment 预付payment in advance 赊销open account跟单托收documentary collection 备用信用证standby letters of credit代理行correspondent bank 控制文件control documents费率表schedule of terms and condition 密押telegraphic test keysSwift 核实押swift authentic key 签字样本specimen of authorized signatures我账（往账）Nostro account 你账（来账）vostro account对价持票人Holder for value 正当持票人，善意持票人holder in due course 退票通知Notice of Dishonor 拒绝证书protest （由notary public开立）追索权Right of recourse 远期本票（见票后定期付需要“签见”) 光票托收clean collection买单Bill purchased 托收贷款advance against collections信托收据trust receipt 进口押汇import bill advance担保放货Release of goods against guarantee 偿付行reimbursement bank索偿行claiming bank 光票信用证clean credit跟单信用证documentary credit 保兑信用证confirmed credit不保兑信用证Unconfirmed credit 即期信用证sight credit延期信用证deferred credit 承兑信用证acceptance credit （包含seller's usance credit和buyer’s usance credit)议付信用证Negotiation credit(自由议付信用证free negotiation credit和限制议付信用证restricted negotiation credit) 预支信用证anticipatory credit可装让信用证transferable credit 背对背信用证Back to back credit对开信用证reciprocal credit 循环信用证revolving credit海运提单marine bills of lading 承运人carrier托运人shipper/consignor 收货人consignee被通知人notify party 已装船提单shipped on board bill of lading备运提单received for shipment B/L 清洁提单clean B/L不清洁提单Unclean B/L 直达提单direct B/L转船提单transshipment B/L 联运提单through B/L记名提单named consignee B/L 指示提单order B/L全式提单long form B/L 简式提单short form B/L班轮提单liner B/L 租船提单charter party B/L集装箱提单container B/L 甲板提单on deck B/L空运单airway bill 铁路运单railway bill多式联运单据Multimodal transport document 保险单insurance policy保险凭证insurance certificate 暂保单cover note 预约保单open account原产地证明certificate of origin 产品检验证书inspection certificate装箱单和重量单packing list and weight list 打包贷款packing loan出口汇押/信用证项下议付negotiation under L/C 汇票贴现bill account投标包含tender guarantee/bill bond 履约保函performance guarantee还贷保函repayment guarantee 预付款保函advance payment guarantee透支保函overdraft guarantee 维修保单maintenance guarantee保函letter of guarantee 国际保理international factoring快邮收据courier receipt。

国际结算名词解释汇总不同国家的当事人（不论是个人间的、单位间的、企业间的的、或政府间的）因为商品买卖、服务供应、资金调拨、国际借贷，需要通过银行办理的两国间货币收付业务叫做国际结算。

或国与国之间发生的货币收付（即结清国家之间买卖双方间以货币表现的债权债务)就是国际结算。

票据：广义票据指代表商业权利的凭证，如发票、提单、保险单、仓单等。

该凭证的权利是可以转让，票据具有流通、转让的特性,故票据又是流通证券.狭义票据是指以支付金钱为目的的证券.由出票人在票据上签名,无条件地约定自己或指定他人支付一定金额，可以流通转让。

约定出票人本人付款，则是本票,由另一人付款，则是汇票或支票。

国际结算中的票据指的就是狭义票据既：汇票、本票和支票。

汇票：是一人开至另一人的书面的无条件命令，由发出命令的人签名，要求接受命令的人立即或在固定的时间，或在可以确定的将来时间,把一定金额货币支付给一个特定的人或他的指定人，或来人。

.即使不加文字说明,也可称为背书.持票人是收款人或被背书人时，要把票据权利转让给他人，必须在票据背面签字并经交付，则汇票权利即由背书人转移至被背书人。

只有持票人，即收款人或被背书人才能有权背书汇票.背书包括两个动作，一个是在汇票背面签字，另一个是交付给被背书人，只有经过交付，才算完成背书行为,使其背书有效和不可撤消。

票据行为:有狭义与广义之分，狭义票据行为是以负担票据上的债务为目的所做的必要形式的法律行为,那就是出票、背书、承兑、参加承兑、保证。

其中出票是主票据行为，其他行为都以“出票"所开立的票据为基础,因此称为附属票据行为。

广义的票据行为除了上述狭义的票据行为以外，还要包括处理票据中有专门规定的行为,如提示、付款、参加付款、退票、行使追索权等行为。

票据开出是要式的,票据行为也是要式的,因此要符合票据法的规定。

承兑：远期汇票的付款人签名表示同意按照出票人命令而付款的票据行为。

提示：持票人将汇票提交付款人要求承兑或要求付款的行为叫做提示贴现：是指远期汇票承兑后尚未到期，由银行或贴现公司从票面金额中扣减按照一定贴现率计算的贴现息后,将净款付给持票人,从而贴进票据的行为.本票:是一项书面的无条件的支付承诺，由一人作成，并交给另一人，经制票人签名承诺即期或定期或在可以确定的将来时间,支付一定数目的金钱给一个特定的人或其指定人或来人支票：A 支票定义支票是以银行作为付款人的即期汇票。

1国际结算INTERNATIONAL SETTLEMENT 是一项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2信用工具FINANCIAL INSTRUMENTS,是以书面形式发行和流通,用以证明债权人权利和债务人义务的契约证书.3清算CLEARING是指不同银行之间因资金的代收、代付而引起的债权债务通过票据清算所或清算网络进行清偿的活动。

4票据bill是出票人签发的，承诺自己或委托他人在见票时或指定日期向收款人或持票人无条件支付一定金额，可以流通转让的一种有价证券。

5追索Recourse指票据的付款人或承兑人如果对合格票据拒绝承兑或付款，正当持票人为维护其权利，有权通过法定程序向所有债务人起诉，追索，要求得到票据权利。

6对价持票人HOLDER FOR VALUE对价持票人就是指其本人或其前手在取得票据时付出过适当代价的持票人。

7善意持票人BONAFIDE HOLDER他必须是可流通票据的善意受让人；其取得的票据必须票面完整合格且未过期；而且他必须在取得票据时并不知道该票据曾被退票或其任何前手有权利缺陷。

8正当持票人HOLDER IN DUE COURSE善意的对价持票人即为正当持票人9汇票BILL OF EXCHANGE出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。

10光票CLEAN BILL指无需附带任何单据即可收付票款的汇票。

11跟单汇票DOCUMENTARY BILL指附带商业单据的汇票，跟单汇票一般为商业汇票。

12支票CHEQUE OR CHECK是银行存款户根据协议向银行签发的即期无条件支付命令。

13本票notes是一个人向另一个人签发的，保证于见票时或定期或在可以确定的将来时间，对某人或其指定人或持票来人无条件支付一定金额的书面付款承诺。

14背书ENDORSEMENT是将汇票权利转让他人为目的的一种行为。

通过背书，票据权利从背书人转让给被背书人。

（完整版）参考资料：《国际结算》相关术语中英⽂对照与中⽂名词解释参考资料：《国际结算》相关术语中英⽂对照国际结算 International Settlement有形贸易 Visible Trade⽆形贸易 Invisible Trade洗钱 Money Laundering⽀付协定 Payment Agreement国际结算制度 System of International Settlement⽀付系统 Payment System代表处 Representative Office代理处 Agency Office海外分、⽀⾏（境外联⾏） Overseas Sister Bank/Branch,Subbranch 代理银⾏ Correspondent Banks附属银⾏（⼦银⾏） Subsidiary Banks联营银⾏ Affiliated Banks银团银⾏ Consortium Bank票据 Instrument设权性 Right to Be Paid⽆因性 Non causative Nature要式性 Requisite in Form流通性 Negotiability可追索性 Recoursement基本当事⼈ Immediate Parties附属当事⼈ Remote Parties出票⼈ Drawer付款⼈ Payer，Drawee收款⼈ Payee背书⼈ Endorser被背书⼈ Endorsee持票⼈ Holder承兑⼈ Acceptor保证⼈ Guarantor汇票 Bill of Exchange限制性抬头 Restrictive Order指⽰性抬头 Demonstrative Order持票来⼈抬头 Payable to Bearer出票⽇期 Date of Issue出票⼈签字 Signature of the Drawer出票地点 Place of Payment付款地点 Place of Payment付款⽇期 Tenor见票即付 At Sight or on Demand定⽇付款 At a Fixed Date见票后定期付款 At a Fixed Period after Sight出票后定期付款 At a Fixed Period after Date付⼀不付⼆ Pay This First/Second Bill担当付款⼈ Person Designated as payer预备付款⼈ Referee in Case of Need必须提⽰承兑 Presentment for Acceptance Required 不得提⽰承兑 Acceptance Prohibited 付对价持票⼈ Holder for Value正当持票⼈Holder in Due Course/Bona Fide Holder 银⾏汇票 Banker’s Draft商业汇票 Trade Bill承兑汇票Acceptance Bill银⾏承兑汇票 Banker’s Acceptance Bill商业承兑汇票 Trade’s Acceptance Bill即期汇票 Sight Draft ,Demand Draft远期汇票 Time Bill, Usance Bill光票 Clean Bill跟单汇票 Documentary Bill本票 Promissory Note商业本票Promissory Note银⾏本票 Cashier’s Order/Check国际汇票 Overseas Money Order⽀票 Cheque or Check出票 Issue背书 Indorsement承兑 Acceptance保证 Guarantee保付 Certified to Pay提⽰ Presentation付款 Payment拒付 Dishonour追索 Recourse顺汇 Remittance逆汇 Reverse Remittance汇款⼈ Remitter汇出⾏ Remitting Bank汇⼊⾏ Paying Bank收款⼈ Payee电汇 Telegraphic Transfer信汇 Mail Transfer票汇 Remittance by Banker’s Demand Draft 预付货款 Payment in Advance货到付款 Payment after Arrival of the Goods 托收 Collection委托⼈ Principal托收⾏ Remitting Bank代收⾏ Collecting Bank付款⼈ Drawee提⽰⾏ Presenting Bank托收申请书 Collection Application托收委托书 Collection Advice信⽤证 Letter of Credit议付⾏ Negotiating Bank偿付⾏ Reimbursing Bank开证申请⼈Applicant开证⾏ Issuing Bank受益⼈ Beneficiary通知⾏ Advising Bank保兑⾏ Confirming Bank付款⾏ Paying Bank光票信⽤证 Clean Credit跟单信⽤证 Document Credit不可撤销信⽤证Irrevocable Credit可撤销信⽤证 Revocable Credit保兑信⽤证 Confirmed Credit不保兑信⽤证 Unconfirmed Credit即期付款信⽤证 Sight Payment Credit延期付款信⽤证 Deferred Payment Credit承兑信⽤证 Acceptance Credit转让信⽤证 Transferable Credit不可转让信⽤证 Nor-transferable Credit背对背信⽤证 Back to Back Credit循环信⽤证 Revolving Credit预⽀信⽤证 Anticipatory Credit银⾏保函 Letter of Guarantee申请⼈ Applicant/Principal受益⼈ Beneficiary担保⾏ Guarantor Bank通知⾏ Advising Bank转开⾏ Reissuing Bank反担保⾏ Counter Guarantor Bank保兑⾏ Confirming Bank投标保函 Tender Gurantee履约保函 Performance Gurantee预付款保函 Advanced Payment Gurantee质量保函Quality Gurantee关税保付保函 Customs Gurantee付款保函 Payment Gurantee延期付款保⾏ Defeerd Payment Gurantee补偿贸易保函 Compensation Gurantee来料加⼯保函 Processing Gurantee租赁保函 Lease Gurantee借款保函 Loan Gurantee保释⾦保函 Bail Bond票据保付保函Gurantee For Bill费⽤保付保函 Payment Gurantee for Commission 备⽤信⽤证 Stand-by Letter of Credit 单据 Documents商业发票 Commercail Invoice⾸⽂ Heading正⽂Body海关发票 Customs Invoice形式发票 Proforma Invoice领事发票 Consular Invoice样品发票 Sample Invoice⼴商发票 Manufacturer Invoice证实发票 Certified Invoice货物运输单据 Transport documents海运提单Marine Bill of Loading托运⼈ Shipper/Consignor承运⼈ Carrier收货⼈ Consignee受让⼈ Transferee or Assignee已装船提单 Shipped on Board待运提单 Received for Shipment直达提单Direct B/L转船提单 Transshipmen B/L联运提单 Through B/L清洁提单 Clean B/L不清洁提单 Unclean B/L记名提单 Straight B/L不记名提单 Open B/L指⽰性提单 Order B/L简式提单 Short Form B/L全式提单 Long Form B/L班轮提单 Liner B/L租船提单 Charter B/L运输代理⾏提单 Horse B/L过期提单 Stale B/L倒签提单Anti-dated B/L集装箱运输提单 Container B/L多式运输 Multimodal Transport多是运输单据Multimodal Transport Document不可流通转让的海运单 Non-negotiable Sea Waybill租船合约提单 Charter Party Bill of Lading航空运单 Airway Bill基本险 Chief Risk⼀般附加险 Additional Risk特殊附加险 Special Additional Risk保险单 Insurance Policy预约保险单Open Policy of Open Cover保险凭证 Insurance Certificate保险声明 Insurance Declaration联合凭证 Combined Certificate暂保单 Cover Note商品验证说明 Inspection Certificate产地证明书 Certificate of Origin包装单据 Packing Document装货箱 Packing List重量单 Weight List打包贷款 Packing Credit/Loan出⼝押汇 Outward Bill质押书 Letter of Hypothecation出⼝托收押汇 Advance against Documentary Collection 银⾏承兑 Bank’s Acceptance 票据贴现 Bill Discount出⼝发票 Invoice Discounting进⼝开证额度 Limits for Issuing of Credit信托收据 Trust Receipt, T.R, T/R留置权书 Letter of Lien进⼝押汇 Inward Bills进⼝信⽤证押汇 Inward Bill Receivables买房远期信⽤证 Buyer’s Usance L/C提货担保 Delivery against Bank Guarantee国际保理 International Factoring销售分户账管理 Maintenance of The Sales Ledger债款回收 Collection from Debtors信⽤销售控制 Credit Control坏账担保 Full Protection Against Bad Debts贸易融资 Trade Financing福费廷 Forfaiting贴现率 Discount Rate承诺费 Commitment Fee利息补贴 Interest Make-up侨汇 Overseas Chinese Remittance外币兑换业务 Exchange of Foreign Currency旅⾏⽀票 Traveler’s Cheque信⽤卡 Credit Card万事达卡 Master Card维萨卡 VISA Card运通卡 American Express Card⼤莱卡 Diners Club Car国际贸易结算：以票据为基础，单据为条件，银⾏为中枢，结算与融资相结合的⾮现⾦结算体系。

《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Bill of Exchange（B/E）汇票Bills 票据Blank Endorsement 无记名背书、空白背书Body 正文Branch 分行Brief Cable 简电本Cable 电开本Cable Copy 电报抄本Carrier 承运人Cash Discount 现金折扣Certificate of Compliance 明白声明书Certificate of Origin 产地证明Charges 运费Charter Party B/L 租船提单Check/Cheque 支票Check Payable to Bearer 无记名支票Check payable to sb. or order 记名支票China Insurance Clauses（C.I.C.）中国保险条款Claiming Bank 索偿行Clean Bill 光票Clean Collection 光票托收Clean Credit 光票信用证Clearing Account 清算账户Collecting Bank 托收行Collection 托收Combined Transport Bill of Lading 联合运输单据Commercial Documents 商业单据Commercial Invoice 商业发票Commercial Paper L/C 商业票据信用证Conditional Endorsement 有条件背书Confirmed L/C 保兑信用证Confirming Bank 保兑行Consignee 收货人Consignee’s Name & Address 收货人名址Consignment 寄售Consignment Invoice 寄售发票Consignor 托运人Constructive Total Loss 推定全损Consular Invoice 领事发票Container B/L 集装箱提单Container Freight Station（CFS）货站Container Yard（CY）货场Copy 副本Correspondent Bank or Correspondents 代理行Cover Note 暂保单Credit Card 信用卡、贷记卡Credit Control 信用销售额度Credit Note 贷记通知单Crossed Cheques 划线支票Current B/L 正常提单Customer Invoice 海关发票Date of Issue 出票日期、开证日期Debit Card 借记卡Debtor 债务人Deferred Payment Credit 迟期付款信用卡Deferred Payment Transaction 延期付款交易Deliver 交付Delivery 交割Demand Draft 即期汇票Demonstrative Order 指示性抬头Depository Bank 账户行Description of Goods 货物描述Detailed Packing List 详细包装单Direct B/L 直达提单Discount Rate 贴现率Discounting 票据贴现Dishonor 拒付、退票Disinfection Inspection Certificate 消毒证书Documentary Bill 跟单汇票Documentary Collection 跟单托收Documentary L/C 跟单信用证Documents 单据Documents against Acceptance（D/A）承兑交单Documents against Payment（D/P）付款交单Draft 汇票Drawee 受票人或付款人Drawer 出票人Drawn Clause 出票条款Duplicate Receipt 副收条Electronic Fund Transfer Systems 电子转账系统Endorsee 被背书人Endorsement 背书Endorsement for Collection 委托收款背书Endorser 背书人Engagement Clause 保证条款Expiry Date 有效日期Export License 出口许可证Exporter 出口方Extraneous Risks 外来风险Finance of Foreign Trade 国际贸易融资Financial Instruments 金融工具或信用工具Foreign Bill 外国汇票Foreign Money Bill 外币汇票Form of Credit 信用证形式Free from Particular Average（F.P.A.）平安险Freight 运费Freight Collect 运费到付Freight Prepaid 预付Full Cable 全电本Full Container Load（FCL）整箱货General Acceptance 普通承兑General Average（G.A.）共同海损General Average （G.A.）Contribution 共同海损的分摊Generally Crossed/Generally Crossing 一般划线支票Gross Weight 毛重Guarantee 保证Guarantee L/C 担保信用证Guarantor 担保行Heading （发票）首文Holder 持票人、持单人Holder for Value 付对价持票人Holder in Due Course 正当持票人Home Money Bill 本币汇票Honor if Draft 逆汇Importer 进口商Endorsement 背书Inland Bill 国内汇票Inspection Certificate 商检证书Inspection Certificate of Quality 品质证书Institute Cargo Clause（I.C.C.）伦敦保险协会保险条款Instructing Bank 指示行Insurance 保险Insurance Agent 保险代理Insurance Broker 保险经纪人Insurance Certificate 保险凭证Insurance Company 保险公司Insurance Declaration 保险通知书、保险声明书Insurance Interest 保险利益Insurance Policy 保险单Insured 被保险人Insurer 保险人Interbank 银行同业International Chamber of Commerce（ICC）国际商会International Settlement 国际结算International Rules for Interpretation of Trade Terms 《国际贸易术语解释通则》Invisible Trade 无形贸易Invoice 发票Inward Bills 进口押汇In Writing 书面的Irrevocable L/C 不可撤销信用证Issue 出票Issuing Bank 开证行Latest Date for Presentation of Documents 最迟交单日期Latest Date of Shipment 装运期限L/C Amount 信用证金额L/C Number 信用证号码Less Than Container Load（LCL）拼箱货Letter 信函Letter of Credit（L/C）信用证Letter of Guarantee（L/G）银行保函Liner B/L 班轮提单Liner Terms 班轮条件Mail Transfer（M/T）信汇Maker 出票人Margin 利差Marine Bill of Lading（B/L）海运提单Master Card International 万事达国际组织Measurement 尺码Multimodal Transport Bill of Lading（MT B/L）多式联运提单Name of Vessel 船名Negotiable Instruments Law 票据法Negotiating Bank 议付行Negotiation 议付Negotiation L/C 议付信用证Non-Trade Settlement 非贸易结算Non-Transferable L/C 不可转让信用证Not Negotiable 不可转让Notice of Dishonor 拒付通知Notify Party 被通知方Number of Packages 件数On Board Stowed 货装在舱底Open B/L 空白提单Open by Airmail 信开Open by Cable 电开Open Check 非划线支票Open Policy 预约保险单Order 命令Order B/L 指示提单Order of Shipment 托运人指示Original 正本Original Document 正本单据Original Receipt 正收条Outward Bills 出口押汇Packing List 装箱单Packing Specification 包装说明Parcel Post Receipt 邮包收据Parcel Post Transport 邮包运输Partial Loss 部分损失Partial Shipment Permitted/not Permitted 可否分批装运Particular Average 单独海损Payee 收款人Payer for Honor 参加付款人Paying Bank 汇入行Paying Transaction 付款交易Payment 付款Payment after Arrival of the Goods 货到付款Payment for Honor 参加付款Payment Guarantee 付款保函Payment in Advance 预付货款Payment in Due Course 正当付款Performance Guarantee 履约保函Person Designated as Payer 担当付款人Place of Payment 付款地点Point-of-sale System 零售点系统Port of Discharge/Destination 卸货港或目的地Port of Loading/Shipment 装货港Port to Port 港至港Presentation 提示Principal 委托人Proforma Invoice 形式发票、预开发票Promissory Note 本票Protest 拒绝证书Protest Waived 免作拒绝证书Railway Bill 铁路运单Recourse 追索Reimbursing Bank 偿付行Reissuing Bank 转开行Remittance 汇款、顺汇、汇付Remittance by Banker’s Demand Draft（D/D）票汇Remitter 汇款人Remitting Bank 汇出行、托收行Restrictive Order 限制性抬头Revocable L/C 可撤销信用证Revolving Credit 循环信用证Sample Invoice 样品发票Selling Exchange 卖汇Shipped B/L 已装船提单Shipping Company’s Certificate 船公司证明Shipping Marks 唛头Shipping Weight 装箱重量Sight Draft 即期汇票Sight Payment L/C 即期付款信用证Signature of the Drawer 出票人签字Society for Worldwide Interbank Financial Telecommunication（SWIFT）环球银行金融电信协会Special Endorsement 记名背书、特别背书、正式背书Specimen Signature 印鉴Standard 准则Standy Letter of Credit（SL/C）备用信用证Straight B/L 记名提单、收货人抬头提单希望以上资料对你有所帮助，附励志名言3条：1、宁可辛苦一阵子，不要苦一辈子。

名词解释1、国际结算：是对国际债权债务进行了结和清算的一种经济行为。

P12、票据：（狭义）指以支付金钱为目的的债权有价证券，是指由出票人签发的，无条件约定由自己或委托他人在一定日期支付确定金额的流通证券。

（广义）指一切有价证券和各种凭证。

P273、汇票：指出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定金额给收款人或持票人的票据。

P434、本票：出票人签发的，承诺自己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。

P635、支票：出票人签发的，委托办理支票存款业务的银行或者其他金融机构在见票时五条件支付确定的金额给收款人或者持票人的票据。

P666、追索权：是指汇票遭到拒付时，持票人对其前手(背书人、出票人)有请求其偿还汇票金额及费用的权利。

7、汇付：指在签订商务合同后，进口商将货款交给进口地银行，要求银行通过一定的方式，委托在出口地的代理行或国外联行，将款项交付给出口商的一种结算方式。

P778、顺汇：是指客户主动将款项支付给银行，委托银行用某种结算工具（如汇款通知书）将款项汇往国外收款人。

结算过程中资金的流向与单据的传递方向相同。

P769、逆汇：是指债权人或收款人向银行提供收款凭证，委托银行通过国外代理行向国外债务人索取款项。

结算过程中资金的流向与单据的传递方向相反。

10、托收指示：托收行根据托收申请书缮制的、授权代收行处理单据的完全和准确的条款。

11、保证：为了担保已经存在的票据上的债务而为的票据行为。

P5712、付款交单：D/P出口商在装运货物并交付单据后，通过托收行与代收行办理托收，并要求她们在国外买方付清货款后可交付单据。

13、承兑：指经持票人提示，付款人同意按出票人指示支付票额的行为。

P5414、背书：指在汇票背面签字。

P5115、提示：指持票人将票据交付给付款人要求付款或承兑的行为。

16、空白背书：又称无记名背书或略式背书，即不记载背书人，仅背书人签名于汇票的背面。

P5317、海运提单：指用以证明海上货物运输合同和货物已经有承运人接收或者装船，以及承运人保证据以交付货物的单证。

国际结算复习资料国际结算复习资料一、重点词汇英汉互译：第一章国际结算的介绍Correspondent Bank 代理行 Control Documents 控制文件Test key 密押Terms and conditions 费率表Specimen of authorized signature 印鉴 SWIFT 环球银行金融电讯协会Debit (for bank) 借记Credit (for bank) 贷记Nostro account 往户账 Vostro account 来户账IMF 国际货币基金组织 ICC 国际商会 WBG 世界银行组织CHIPS 英国同业银行自动支付系统CHAPS 纽约银行同业电子清算系统URC522 《跟单托收统一规则》 UCP 600《跟单信用证统一惯例》国际结算 International Settlement预付货款 Payment in advance 赊账 Open Account(O/A)汇款(汇付）Remittance 托收 Collection跟单信用证Documentary L/C 银行保函 Bank Guarantee第二章票据Recourse 追索Non-causation 无因性流通工具Negotiable Instrument汇票Bill of Exchange/Draft本票Promissory Note支票Check/Chequedrawer 出票人payer/drawee 付款人payee 收款人endorser 背书人acceptor 承兑人Holder 持票人Holder for value 对价持票人Holder in due course/Bona fide holder 正当持票人/善意的持票人汇票出票Issue 背书Endorsement）提示（Presentation 承兑（Acceptance保证Guarantee 付款Payment 拒付Dishonor 追索Recourse 拒绝证书Protest Tenor 付款期限 Usance bill 远期汇票Blank endorsement 空白背书Acceptance/payment for honor 参加承兑和参加付款支票Crossed check 划线支票Uncrossed check 非划线支票Open check 现金支票Rubber check/bad check 空头支票Collecting bank 托收行out of date 过期第三章Remittance 汇付，顺汇 Reverse remittance 逆汇Remitter 汇款人 Remitting bank 汇出行Paying bank 汇入行，解付行Beneficiary or payee 收款人，受益人Reimbursement of remittance cover 拨头寸T/T 电汇 M/T 信汇 D/D 票汇 Payment in advance 预付货款Open account / payment after goods arrival 赊销Consignment 寄售第四章Documentary collection 跟单托收Clean collection 光票托收Direct collection 直接托收 D/P at sight 即期付款交单D/P after sight 远期付款交单 D/A 承兑交单D/P.T/R/ 付款交单凭信托收据借单 Outward bills/出口押汇Inward bills /进口押汇 Principal/委托人Remitting Bank/托收行 Collecting Bank/代收行Drawee/付款人Principal’s representative in case of need/需要时的代理第五章Applicant 申请人Beneficiary 受益人Issuing Bank 开证行Advising Bank通知行 Confirming Bank 保兑行 Paying Bank 付款行承兑行Accepting Bank 议付行Negotiating Bank 偿付行Reimbursing Bank 索偿行Claiming Bank 寄单行Remitting Bankin duplicate 一式两份 in triplicate 一式三份in quadruplicate 一式四份 in quintuplicate 一式五份Confirm 保兑 Negotiate 议付 undertaking 承诺Primary liability forpayment of the Issuing Bank 开证行承担第一性付款责任Documentary Credit Nominated Bank指定银行soft clause软条款跟单与光票信用证 Documentary and clean L/C不可撤销与可撤销信用证 Irrevocable and revocable L/C保兑与不保兑信用证 Confirmed and unconfirmed L/C即期付款、延期付款、承兑和议付信用证，假远期信用证Sight、 Usance、 Acceptance and Negotiation L/C可转让与不可转让信用证 Transferable and Untransferable L/C 循环信用证 Revolving L/C 对开信用证 Reciprocale L/C背对背信用证Back to back L/C 预支（红条款）信用证）Anticipantory L/C 备用信用证 Standby L/C二、知识重点：第一章国际结算的介绍一、国际结算定义：（Definition）1、是指处于两个处于不同国家的当事人通过银行办理的两国间货币收付业务。

参考资料：《国际结算》相关术语中英文对照国际结算 International Settlement有形贸易 Visible Trade无形贸易 Invisible Trade洗钱 Money Laundering支付协定 Payment Agreement国际结算制度 System of International Settlement支付系统 Payment System代表处 Representative Office代理处 Agency Office海外分、支行（境外联行） Overseas Sister Bank/Branch,Subbranch 代理银行 Correspondent Banks附属银行（子银行） Subsidiary Banks联营银行 Affiliated Banks银团银行 Consortium Bank票据 Instrument设权性 Right to Be Paid无因性 Non causative Nature要式性 Requisite in Form流通性 Negotiability可追索性 Recoursement基本当事人 Immediate Parties附属当事人 Remote Parties出票人 Drawer付款人 Payer，Drawee收款人 Payee背书人 Endorser被背书人 Endorsee持票人 Holder承兑人 Acceptor保证人 Guarantor汇票 Bill of Exchange限制性抬头 Restrictive Order指示性抬头 Demonstrative Order持票来人抬头 Payable to Bearer出票日期 Date of Issue出票人签字 Signature of the Drawer出票地点 Place of Payment付款地点 Place of Payment付款日期 Tenor见票即付 At Sight or on Demand定日付款 At a Fixed Date见票后定期付款 At a Fixed Period after Sight出票后定期付款 At a Fixed Period after Date付一不付二 Pay This First/Second Bill担当付款人 Person Designated as payer预备付款人 Referee in Case of Need必须提示承兑 Presentment for Acceptance Required 不得提示承兑 Acceptance Prohibited付对价持票人 Holder for Value正当持票人Holder in Due Course/Bona Fide Holder 银行汇票 Banker’s Draft商业汇票 Trade Bill承兑汇票Acceptance Bill银行承兑汇票 Banker’s Acceptance Bill商业承兑汇票 Trade’s Acceptance Bill即期汇票 Sight Draft ,Demand Draft远期汇票 Time Bill, Usance Bill光票 Clean Bill跟单汇票 Documentary Bill本票 Promissory Note商业本票Promissory Note银行本票 Cashier’s Order/Check国际汇票 Overseas Money Order支票 Cheque or Check出票 Issue背书 Indorsement承兑 Acceptance保证 Guarantee保付 Certified to Pay提示 Presentation付款 Payment拒付 Dishonour追索 Recourse顺汇 Remittance逆汇 Reverse Remittance汇款人 Remitter汇出行 Remitting Bank汇入行 Paying Bank收款人 Payee电汇 Telegraphic Transfer信汇 Mail Transfer票汇 Remittance by Banker’s Demand Draft预付货款 Payment in Advance货到付款 Payment after Arrival of the Goods托收 Collection委托人 Principal托收行 Remitting Bank代收行 Collecting Bank付款人 Drawee提示行 Presenting Bank托收申请书 Collection Application托收委托书 Collection Advice信用证 Letter of Credit议付行 Negotiating Bank偿付行 Reimbursing Bank开证申请人Applicant开证行 Issuing Bank受益人 Beneficiary通知行 Advising Bank保兑行 Confirming Bank付款行 Paying Bank光票信用证 Clean Credit跟单信用证 Document Credit不可撤销信用证Irrevocable Credit可撤销信用证 Revocable Credit保兑信用证 Confirmed Credit不保兑信用证 Unconfirmed Credit即期付款信用证 Sight Payment Credit延期付款信用证 Deferred Payment Credit承兑信用证 Acceptance Credit转让信用证 Transferable Credit不可转让信用证 Nor-transferable Credit背对背信用证 Back to Back Credit循环信用证 Revolving Credit预支信用证 Anticipatory Credit银行保函 Letter of Guarantee申请人 Applicant/Principal受益人 Beneficiary担保行 Guarantor Bank通知行 Advising Bank转开行 Reissuing Bank反担保行 Counter Guarantor Bank保兑行 Confirming Bank投标保函 Tender Gurantee履约保函 Performance Gurantee预付款保函 Advanced Payment Gurantee质量保函Quality Gurantee关税保付保函 Customs Gurantee付款保函 Payment Gurantee延期付款保行 Defeerd Payment Gurantee补偿贸易保函 Compensation Gurantee来料加工保函 Processing Gurantee租赁保函 Lease Gurantee借款保函 Loan Gurantee保释金保函 Bail Bond票据保付保函Gurantee For Bill费用保付保函 Payment Gurantee for Commission 备用信用证 Stand-by Letter of Credit单据 Documents商业发票 Commercail Invoice首文 Heading正文Body海关发票 Customs Invoice形式发票 Proforma Invoice领事发票 Consular Invoice样品发票 Sample Invoice广商发票 Manufacturer Invoice证实发票 Certified Invoice货物运输单据 Transport documents海运提单Marine Bill of Loading托运人 Shipper/Consignor承运人 Carrier收货人 Consignee受让人 Transferee or Assignee已装船提单 Shipped on Board待运提单 Received for Shipment直达提单Direct B/L转船提单 Transshipmen B/L联运提单 Through B/L清洁提单 Clean B/L不清洁提单 Unclean B/L记名提单 Straight B/L不记名提单 Open B/L指示性提单 Order B/L简式提单 Short Form B/L全式提单 Long Form B/L班轮提单 Liner B/L租船提单 Charter B/L运输代理行提单 Horse B/L过期提单 Stale B/L倒签提单Anti-dated B/L集装箱运输提单 Container B/L多式运输 Multimodal Transport多是运输单据Multimodal Transport Document不可流通转让的海运单 Non-negotiable Sea Waybill租船合约提单 Charter Party Bill of Lading航空运单 Airway Bill基本险 Chief Risk一般附加险 Additional Risk特殊附加险 Special Additional Risk保险单 Insurance Policy预约保险单Open Policy of Open Cover保险凭证 Insurance Certificate保险声明 Insurance Declaration联合凭证 Combined Certificate暂保单 Cover Note商品验证说明 Inspection Certificate产地证明书 Certificate of Origin包装单据 Packing Document装货箱 Packing List重量单 Weight List打包贷款 Packing Credit/Loan出口押汇 Outward Bill质押书 Letter of Hypothecation出口托收押汇 Advance against Documentary Collection 银行承兑 Bank’s Acceptance票据贴现 Bill Discount出口发票 Invoice Discounting进口开证额度 Limits for Issuing of Credit信托收据 Trust Receipt, T.R, T/R留置权书 Letter of Lien进口押汇 Inward Bills进口信用证押汇 Inward Bill Receivables买房远期信用证 Buyer’s Usance L/C提货担保 Delivery against Bank Guarantee国际保理 International Factoring销售分户账管理 Maintenance of The Sales Ledger债款回收 Collection from Debtors信用销售控制 Credit Control坏账担保 Full Protection Against Bad Debts贸易融资 Trade Financing福费廷 Forfaiting贴现率 Discount Rate承诺费 Commitment Fee利息补贴 Interest Make-up侨汇 Overseas Chinese Remittance外币兑换业务 Exchange of Foreign Currency旅行支票 Traveler’s Cheque信用卡 Credit Card万事达卡 Master Card维萨卡 VISA Card运通卡 American Express Card大莱卡 Diners Club Car国际贸易结算：以票据为基础，单据为条件，银行为中枢，结算与融资相结合的非现金结算体系。

International Settlements termsChapter 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multi—modal transportation多式联运percentage of insurance投保比率force majeure不可抗力opposing party对方delivery arrangement交货安排sales contract销售合同respective obligation各自的责任International Chamber of Commerce国际商会(1920年在巴黎设立的重要工商组织，1946年成为联合国经社理事会的咨询机构，下设许多机构从事有关金融、贸易、税收、运输、商务仲裁、工业产权保护等专门研究。

《国际结算》作业题参考答案一、名词解释：1、国际结算：即International Settlement，是指国际间由于经济、政治等各方面交往而引起的、以货币所表现的债券债务结算。

2、代理行：即Correspondent Banks，是指两家银行通过签订协议，建立委托代理关系，互相委办诸如国际结算、出口信贷、银团贷款等业务或提供服务。

这样的两家银行互称代理行。

3、控制文件：即control Documents,两家建立代理行关系在银行在互相委办业务或提供服务时所相互交换的用以明确关系和方便业务的文件，包括密押、印鉴、和费率表等。

4、CHIPS：即美国纽约票据交换所银行同业支付系统，有纽约清算协会于1971年成立，专门用于全球美元清算，是一个实时的、银行对银行交易的终局性付款系统。

目前全球大约95%的美元支付都是通过这一系统处理完成的。

5、SWIFT：即环球银行间金融电讯协会，成立于1973年，总部设在比利时的布鲁塞尔，其创建之目的在于创造一个全球共享的使用统一语言的数据处理和通讯网络体系，一边于所有的国际金融交易。

现有设在荷兰、香港、英国和美国的四个基地，主要向全球7000多家会员提供资金划拨、国际贸易支付、国债、证券、外汇交易等服务。

6、CHAPS：即英国伦敦票据交换所银行同业支付系统，成立于1984年，是银行间即日电子支付系统，与英格兰银行合作提供收付和清算服务，它同时是世界上最大的全国性清算系统之一，1999年1月起在运行原有英镑清算系统的同时开始运行欧元清算系统。

7、TARGET：即欧元自动拨付与清算系统，位于德国法兰克福欧洲中央银行总部，与1999年1月4里开始运行。

由15个欧盟成员国的全国实时清算系统和欧洲中央银行的支付系统组成，以提供公共平台便利各成员国之间的跨境支付。

8、存放国外同业：即NOSTRO,代理行之间建立的账户关系之一，属资产类科目，即借方记录资产的增加、负债的减少，贷方记录资产的减少、负债的增加。

名词解释1联行：是一家银行的分行、支行之间以及分支行间的关系。

2代理行：两家不同国籍的银行通过相互委托办理代理业务建立往来关系称为代理关系，建立代理关系的银行互为代理行；3账户行：代理行之间单方或双方相互在对方银行开立了账户的银行4价格术语：也称贸易术语，是规定价格的构成及买卖双方各自应承担的责任、费用、风险以及确定货物所有权转移时限的专门术语；5SWIFT:环球银行金融电讯协会，Society for Worldwide Interbank FinancialTelecommunication,简称环球电协，一个国际银行间的非盈利合作组织，实质上是世界各国银行间的高速电讯网络；6国际结算惯例：在长期的国际贸易和结算实践中逐渐形成的一些通用的习惯做法和普遍规则。

7票据：是出票人委托他人或承诺自己在特定时期向指定人或持票人无条件支付一定款项的书面证据，它是以支付金钱为目的的特定证券8付对价：给付票据双方当事人认可的相对应的代价，这些代价可以是一定价值的货物、服务及货币9善意持票：受让人在支付对价后取得了表面完整、合格并且未过期的票据，而且他并未发现票据本身或票据转让人的权利有缺陷或有任何可疑之处，则为善意持票；10正当持票人：是指善意并付对价的票据受让人11票据权利：是指依票据而行使的，以取得票据金额为直接母的的权利。

票据权利是基于票据行为人的票据行为而发生的，是与票据义务而相对存在的12票据义务：是指票据债务人依票据上所载文义支付票据金额及其他金额的义务13汇票：汇票是出票人签发的，委托付款人在见票时或者指定日期无条件支付确定的金额给收款人或者持票人的票据14承兑汇票：即需要承兑的汇票，付款人在汇票上签章表示承诺将来在汇票到期时承担付款义务的远期汇票15银行承兑汇票（B/A）：是指由公司、企业或个人开立的以银行为付款人并经付款银行承兑的远期汇票。

16跟单汇票：是指附带有关单据的汇票，跟单汇票一般为商业汇票。

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＿＿＿。

（完整版）国际结算名词解释1、Bill of exchange(汇票): an unconditional order in writing addressed by one person toanother, signed by the drawer, requiring the drawee 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.2、Sight bill（demand bill, or sight draft即期汇票）：is payable at sight, on demand, or onpresentation.3、Usance bill (time draft , or term draft 远期汇票)：is payable at a fixed or determinablefuture time.4、promissory note(本票): an unconditional promise in writing made by one person toanother, signed by the maker,engaging 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.5、Trader’s note(商业本票): The maker is a trader, say, an individual or an enterprise.6、Banker’s note（银行本票）：It is made by a bank, usually on demand.7、Check(支票)：an unconditional order in writing, signed by the person giving it, requiringthe drawee bank to whom it is addressed to pay on demand a sum certain in money to, or the order of a specified person or the bearer.8、Crossed check（划线支票）: It means the check bearing two parallel lines on the face. It mustbe paid into a bank account and cannot be cashed over the counter.9、Uncrossed check(open check 非划线支票)：Those bearing no crossing on the face are calleduncrossed checks.10、Certified check（保兑支票）：It is a check that is certified by the drawee bank. Once it is certified, all other obligors on the check will be discharged of the liability of payment.11、Collection(托收)：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 bank located in the domicile of the buyer.12、Clean collection(光票托收)：a collection on financial documents without being accompanied commercial documents such as invoices, bill of lading, insurance policy, etc.13、Documentary collection(跟单托收)：a collection on financial instruments being accompanied by commercial documents or collection on commercial documents without being accompanied by financial documents.14、Factoring（保理）：A factoring contract means a contract pursuant （依照）to which a supplier （供应商）may or will assign accounts receivable （应付账款）to a facto r for ledgering receivables（计应收款分类账）, collecting proceeds and / or protecting against bad debts. 15、Forfeiting（票据包买业务）：is the business of discounting medium-term and long-term promissory note or drafts without recourse related to an international trade transaction. The promissory notes or drafts are accepted by the importer and guaranteed b y an importer’sbank ensuring the holder that the importer will pay it at maturity.16、Letter of credit（信用证）: is a letter written by a bank to the beneficiary, informing the beneficiary that the bank will pay a sum certain in money to the beneficiary if the beneficiary provides the bank with certain described documents within a prescribed time period.17、Acceptance credit(承兑信用证)：the acceptance credit is one that indicates a bank which is called accepting bank, be it the issuing bank or another nominated bank, to accept and pay the face value of draft drawn on this bank at maturity.中心汇票汇款（票汇的一种）寄售consignment 预付payment in advance 赊销open account跟单托收documentary collection 备用信用证standby letters of credit代理行correspondent bank 控制文件control documents费率表schedule of terms and condition 密押telegraphic test keysSwift 核实押swift authentic key 签字样本specimen of authorized signatures我账（往账）Nostro account 你账（来账）vostro account对价持票人Holder for value 正当持票人，善意持票人holder in due course 退票通知Notice of Dishonor 拒绝证书protest （由notary public开立）追索权Right of recourse 远期本票（见票后定期付需要“签见”) 光票托收clean collection买单Bill purchased 托收贷款advance against collections信托收据trust receipt 进口押汇import bill advance担保放货Release of goods against guarantee 偿付行reimbursement bank索偿行claiming bank 光票信用证clean credit跟单信用证documentary credit 保兑信用证confirmed credit 不保兑信用证Unconfirmed credit 即期信用证sight credit延期信用证deferred credit 承兑信用证acceptance credit （包含seller's usance credit和buyer’s usance credit)议付信用证Negotiation credit(自由议付信用证free negotiation credit和限制议付信用证restricted negotiation credit) 预支信用证anticipatory credit可装让信用证transferable credit 背对背信用证Back to back credit对开信用证reciprocal credit 循环信用证revolving credit海运提单marine bills of lading 承运人carrier托运人shipper/consignor 收货人consignee被通知人notify party 已装船提单shipped on board bill of lading备运提单received for shipment B/L 清洁提单clean B/L不清洁提单Unclean B/L 直达提单direct B/L转船提单transshipment B/L 联运提单through B/L记名提单named consignee B/L 指示提单order B/L全式提单long form B/L 简式提单short form B/L班轮提单liner B/L 租船提单charter party B/L集装箱提单container B/L 甲板提单on deck B/L空运单airway bill 铁路运单railway bill多式联运单据Multimodal transport document 保险单insurance policy保险凭证insurance certificate 暂保单cover note 预约保单open account原产地证明certificate of origin 产品检验证书inspection certificate装箱单和重量单packing list and weight list 打包贷款packingloan出口汇押/信用证项下议付negotiation under L/C 汇票贴现bill account投标包含tender guarantee/bill bond 履约保函performance guarantee还贷保函repayment guarantee 预付款保函advance payment guarantee透支保函overdraft guarantee 维修保单maintenance guarantee保函letter of guarantee 国际保理international factoring快邮收据courier receipt。

一，名词解释第一章International Settlement（国际结算）：International Settlement is defined as financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another, in order to settle accounts, debts, claims and etc.Negotiable instruments（可转让票据）：A negotiable instrument is an instrument the titles on which can be transferred easily from one party to another, which is a kind of financial documents.Drawer（出票人）drawee（付款人）payee（收款人）endorse（背书）letter of credit（信用证）Standby letter of credit（备用信用证）guarantee（保函）international factoring（国际保理）international forfaiting（国际无追索权买断）Marine Bill Of Lading（海运提货单）Airway Bill（空运提单）Insurance Policy（保险单）Customs Invoice（海关发票）International Cargo Trade Settlement（国际货物贸易结算）：The financial activity arising from international cargo merchandise trade is called international cargo trade settlement.International Service Trade Settlement（国际服务贸易结算）：International service trade settlement refers to the settlement related to the cross-border services providing.General Agreement on Trade in Service（服务贸易总协定）：a treaty of the World Trade Organization, covers four modes of supply for the delivery of services in cross-border trade.Cross-border supply（跨境交付）：refer to the services delivered within the territory of the member, from the territory of another member. It is the services but not the people or material that crosses the border.Consumption abroad（境外消费）：Consumption abroad is the services delivered outside the territory of the member, in the territory of another member, to a service consumer of themember.Commercial presence（商业存在）：Commercial presence is the services delivered within the territory of the member, through the commercial presence of the supplier.Presence of natural person（自然人流动）：Presence of natural person is services delivered within the territory of the member, with supplier presenting as a natural person.International Non-trade Settlement（国际非贸易结算）：International Non-Trade Settlement refers to financial activities that are generated in the course of other cross-border economic (excluding international trade), political and cultural contacts.Cash on Delivery（货到付款）Document against payment（付款交单）clearing systems（清算系统）Clearing House Inter-bank Payment System(CHIPS) 紐約清算所銀行同業支付系統Clearing House Automated Payment System(CHAPS) 自動支付清算系統negotiating bank（议付银行）accepting bank（承兑银行）reimbursement bank（偿付银行）confirming bank（保兑银行）International Trade Customs and Practices（国际贸易惯例）：International customs and practices are the habitual patterns rules and regulations recognized by international community. They are formed in long-term international communication and practice.UK Bill of Exchange Act of 1882（汇票法）US Uniform Commercial Code of 1952（统一商法典）Correspondent Bank（关系银行）：When a local bank and a foreign bank provide agency services for each other under an agreement, the two banks become correspondent banks in international settlement mutually.Depository Bank（保管银行）Non- depository Bank（非保管银行）第二章Bill of Exchange（汇票）：Bill of Exchange is “an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person or to the bearer.”Promissory Note（本票）：A promissory note is an unconditional promise in writing made byone person to another signed by the maker, engaging 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.Cheque（支票）：it is “an bill of exchange drawn on a banker payable on demand” It is an unconditional order in writing, signed by the person giving it, requiring the banker to whom it is addressed to pay on demand a sum certain in money to, or to the order of, a specified person or to bearer.Non-causative Nature（无因性）：means when the creditor exercises his right (ask the payer for payment), he needn’t indicates the payer the reason.General acceptance（一般承兑）：It means the acceptor signs on the face of the draft, accepting the drawer’s order without restrictive statementQualified acceptance（条件承兑）：It means the acceptor signs on the face of the draft, using specific wording to change the effect after acceptance.Dishonor（拒付）：Act of dishonor is a failure or refusal of acceptance or payment of a bill of exchange when presented.Right of Recourse（追索权）：Recourse refers to act of the holder to demand for paymentfrom the drawer and endorser in case that the draft has been dishonored.Crossed cheque（划线支票）is the cheque with the two parallels on the face, it can be used only for account transferOpen cheque（普通支票）：is the cheque without the two parallels on the face, it can be used for cash withdrawal and account transferCertified cheque（保付支票）：is one that is certified by the drawee bank. Once a cheque is certified by the drawee bank, all other obligors on the cheque would be discharged from the liability of payment.Uncertified cheque（未证明支票）：is the counter example of certified cheque.cheque payable to bearer（无记名支票）：When the payee of a cheque is the bearer. It can be transferred against delivery.cheque payable to order（记名支票）：When the payee of a cheque is a nominated person.第三章：Remittance（汇付）：refers to funds transfer from one party to another among different countries.Remitting Bank（汇出行）：Remitting Bank is the bank that transfers funds at the request of remitter to its correspondent or branch in another country and instructs the latter to pay a certain amount of money to the beneficiaryBeneficiary（收款人）Paying Bank（付款行）：Paying bank is the bank that is entrusted in the payment instruction by the remitting bank to pay a certain amount of money to the payee or the beneficiary.Telegraphic Transfer(T/T)：电汇：Telegraphic transfer means the remitting bank sends its payment order to the paying bank by cable/telex/SWIFT. It is the most efficient and safest way to transfer fund.Mail Transfer (M/T)：信汇：Mail transfer means that the remitting bank, on the request of the remitter, transfers the funds by mailing a payment order or mail transfer advice, authorizing the paying bank to make payment to the payee or the beneficiaryDemand Draft (D/D)：即期汇票/票汇：Demand draft is a remittance that the remitting bank , at the request of the remitter , draws a demand draft on the paying bank , ordering the latter to pay a certain sum of money to the beneficiary(the payee of the draft) on presentation.Remittance Reimbursement（回款）：When the paying bank effects payment to the payee according to the remitting bank's instruction, the paying bank will be paid the same amount from the remitting bank.Cancellation of Remittance（取消汇款）：means the remittance can be canceled before its payment It can be done by either the remitter or the beneficiary.第四章collection（托收）：It means when exporter (or the creditor) has shipped the ordered goods or provided the regulated services, he will submit financial documents or commercial documents or both, which evidence the fulfillment of the contract obligation and claim thereto, to his bank, request his bank, to entrust the importer’s bank ( normally the exporter bank’s correspondent bank ) to present the document to the importer (or the debtor), and to collect money for goods or service from the importer.Financial documents（金融单据）：bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment.Commercial documents（商业单据）：invoices, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financialdocuments.Principal（委托人）：It is a party that entrusts the bank to handle collection business. He hands commercial documents or financial instruments or both to the bank, instructing the remitting bank to collect money for goods or service for him.Clean Collection（光票托收）：It is collection of financial documents not accompanied by commercial documents.Documentary Collection（跟单托收）：It refers to the process by which the principal submits financial documents accompanied by commercial documents or commercial documents only to remitting bank for collecting proceeds from the draweeDocuments against Payment (D/P)：付款交单：D/P means documents will be released only against paymentDocuments against Acceptance (D/A)：承兑交单：means that the collecting bank isallowed to release the documents to the drawee against the drawee’s acceptance of a draftDirect Collection（直接托收）：Direct collection is an arrangement which the principal obtains remitting bank’s pre-numbered direct collection instruction, which is filled by the principal himself enabling him to send the documents directly to collecting bank for collection.第五章：letter of credit（信用证）：a letter of credit is an undertaking at the request of the applicant, written by the issuing bank to the beneficiary, informing it that the bank will pay a sum certain in money, if it provides complying documents within a prescribed time of period.。