国际结算期末终结版.

国际结算期末考试（希望大家喜欢）D/P documents against payment 付款交单D/A documents against acceptance 承兑交单T/R Trust Receipt 信托收据B/L bill of lading 提单L/C Letter of Credit 信用证FCA Free Carrier 货交承运人FAS Free Alongside Ship 装运港船边交货FOB Free On Board 装运港船上交货CFR Cost and Freight 成本加运费CIF Cost Insurance and Freight 成本加运费、保险费CPT Carriage Paid to 运费付至CIP Carriage Insurance Paid to 运费、保险费付至DAF Delivered At frontier 边境交货DES Delivered Ex Ship 目的港船上交货DEQ Delivered Ex Quay 目的港码头交货DDU Delivered Duty Unpaid 未完税交货DDP Delivered Duty Paid 完税后交货EXW EX Works 工厂交货T/T Telegraphic Transfer 电汇汇款M/T Mail Transfer 信汇汇款D/D Remittance by Banker’s Demand Draft 票汇汇款URC Uniform Rules for Collection 托收统一规则M.T.D Multi-modal transport document 多式联运提单UCP The Uniform Customs and Practice for Documentary Credits 跟单信用证统一惯例ICC International Chamber of Commerce 跟单信用证项下银行偿付统一规则名词解释：国际结算：International payments and settlements are financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another in order to clear relations of debts.汇票：A bill of exchange is defined officially as an unconditional order in writing , addressed by one person to another, signed by the first person, requiring the second person to whom it is addressed to pay on demand, or at a fixed or determinable future time, a certain amount of money, to, or to the order of, a specified person or to the bearer.本票：A promissory note is an unconditional promise in writing made by one person (the maker) to another (the payee or the holder), 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 ofa specified person or to bearer.信用证：A letter of credit is a written undertaking by a bank(issuing bank)given to the seller (beneficiary) at the request ,and on the instruction, of the buyer(applicant)to pay at sight or at a determinable future date up to a stated sum of money, within a prescribed time limit and against stipulated documents which complied with the terms and conditions of the credit.支票：A check is an unconditional order in writing addressed by the customer to a bank signed by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer.汇付：Remittance refers to the transfer of funds from one party to another among different countries through banks. At the request of its customer, a bank transfers a certain sum of money to its overseas branches or correspondent banks and instructs them to pay a named person or corporation domiciled in that country.托收：Collection is an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and/or shipping documents are forwarded to the seller’s bank with clear instructions for collection through one of its corres pondent bank located in the domicile of the buyer.一、The Amount the Exporter Can Get? P44Suppose an accepted bill for USD50, 000 falls due on June 30 and the exporter takes it to a discount bank on April 6. If the discount rate is 10%, the discount interest is?Issue：July 30Value：50000 USDInterest rate：Tenor：Accept：Discount rate：10 %二、The Amount the Exporter Can Get? P45Issue：July 30 2008Value：10000 RMBInterest rate：8 %Tenor：3 monthsAccept：August 27Discount rate：10 %三、Suppose an accepted bill for USD80, 000 falls due on July 12 and the exporter takes it to adiscount bank on March 9. If the discount rate is 5%(year), what would be the discount interest and how much can the payee get?贴现日：3.9 到期日：7.12 天数：125天到期价值＝（80000×5％×125）/ 360＝1388.89元The Payee Can Get＝80000﹣1388.89＝78611.11元1.信汇、电汇、票汇的特点●Telegraphic Transfer, T/T (电汇汇款)1)It is a kind of remittance(顺汇).2)It is the fastest type but the charges are higher.3)In bank remittance, the T/T is in preference to others. It is dealt on the same day and thebank can’t use the funds under way.4)It is safe and creditable.●Mail Transfer, M/T (信汇汇款)1）It is a kind of remittance(顺汇).2）The charge is low.3）It is the slower type and because of mail, it will spend more time to receive the money.4）Bank can occupy the funds under way for a short time.●Demand Draft, D/D (票汇)1)The paying bank is flexible.2)The draft can replace the cash to be negotiated.3)The draft is carried by the remitter himself or is posted by the remitter to the payee.4)The paying bank needn’t notifies the beneficiary and the latter will come to receive themoney.2.Chapter of COVERNostro Account 往账：A bank account conducted by a British bank with a foreign bank, usually in the foreign currency.Vostro Account 来账：A bank account held by a foreign bank with a British bank, usually in sterling.Reimbursement Methods拨头寸的方法（课堂要求掌握前两种，余下四种看课件）1.Crediting vostro account of the paying bank主动贷记：如果汇入行在汇出行开有账户，汇出行应主动将相应头寸贷记该账户。