国际结算复习课件(2014) 下载本文

汇出行 汇入行

(1)买卖双方签订合同,约定以票汇结算; (2)汇款人到汇出行填写汇款申请书;

(3)汇出行收妥汇款和费用后,签发一张即期汇票给汇款人,要求汇入行将款项支付给收款人。

性质:银行汇票,出票人:汇出行;受票人:汇入行;收款人:收款人 (4)汇款人将汇票交给收款人;

(5)汇出行将汇款通知书寄给汇入行,汇入行凭借其与收款人提交的汇票核对; (6)收款人拿到汇票,到汇入行进行提示;

(7)汇入行借记汇出行账户,解付汇款给收款人; (8)汇入行将借记通知书寄给汇出行,该项业务结束;

Chapter Review

1. 汇款业务中,汇入行在收到汇出行头寸拨付通知后,方可向收款人解付汇款.

答案:正确 2.In the three types of remittance, T/T is reverse remittance while M/T is remittance.在汇款的三种方式中,电汇是逆汇,信汇是顺汇。

答案:错误,电汇和信汇流程时差不多的,所以他们应该都是顺汇或逆汇。 3. DD stands for Demand Draft. DD代表票汇。 答案:正确 M/T代表信汇, T/T代表电汇。

4.MT is a quicker method of payment than a demand draft. 信汇比票汇的速度更加快一些

答案:正确 成本:电汇》信汇》票汇 速度:电汇》信汇》票汇

5.Among TT,MT and DD, TT is the cheapest method of payment. ( ) 在电汇、信汇、票汇三种方式中,电汇是最便宜的一种支付方式。 答案:错误

6.In the case of MT, the remitting bank issues a draft to its customer, and directs

its foreign branch or correspondent by mail to make the payment to the beneficiary. ( )

在信汇的流程中,汇出行开出一张汇票给他的客户,而且通过航空邮件的方式指示他的国外分行向受益人支付货款。 答案:错误

题目中讲的应该是票汇,而不是信汇。

7.The operations of telegraphic transfer is the same as the mail transfer. 电汇的流程和信汇的流程是一样的。 答案:错误

电汇和信汇的流程大部分是相同的,只有两点不同:(1)合同中的约定;(2)汇出行通知汇

入行汇款委托书的方式。

8.There are three types of remittance in inter-national settlement, they are (T/T )、(M/T) and (D/D) , while ( T/T) is the fastest.

9.According to the direction of the funds flow and instruments, international exchange can be divided into (remittance) and(reverse remittance). 根据资金与结算工具的方向,国际汇兑可以分为(顺汇)和(逆汇)。

10.In the business of remittance, the bank which pays the beneficiary is called (paying bank).在汇款业务中,付钱给受益人(收款人)的银行叫做(汇入行)。 11.Which of the following do not belong to the basic party of remittance ` A. remitter; B. beneficiary; C. endorser; D. remitting bank E. paying bank 下列不属于汇款的当事人有( C ) A.汇款人 B.收款人

C.背书人 D.汇出行 E.汇入行 12.电汇汇款的英文缩写为( C ) A.(D/D) B.(M/T) C.(T/T) D.(T/D) 13.If Barclays instructs Citibank to pay a sum of US100 to Midland, Barclays’ nostro accoount should be ____

A. Credited; B. Debited; C. Increased; D. Decreased; B银行要C银行付100美元给M,那么B的往帐应该被(BD)

B汇出行,C汇入行,M收款人,B,要给钱给C,所以B在C银行的账户(往帐)应该被借记(或者减少);

A. 贷; B. 借; C. 增加; D减少;

14.In the process of mail transfer, remitting bank sent information to its correspondent bank by ____, unless otherwise instructed by clients. (C) A. by courier service; B. by ordinary mail; C. by airmail; D. by sea mail;

在信汇的流程当中,汇出行通过(航空邮件)的方式将信息传给他的往来银行,除非客户另有指示。

15.If a importer asks his bank to make a telegraphic transfer to an exporter abroad, he should______(AB)

A. Pay the home currency equivalent of the sum in foreign currency; B. Pay the banks commission;

C. Get a permission from the authorities; D. Pay the bank in foreign currency.

如果一个进口商要求他的银行向出口商通过电汇的方式支付一笔货款,那么他会

A. 支付与外币等额的本币; B支付银行手续费; C从管理当局获得允许; D.支付银行外币;

支付货币:汇款人给汇出行:本币。汇出行给汇入行:外币 汇出行给受益人:外币 16.The difference between T/T and M/T are _______

A. The method by which the overseas bank is advised about the transfer;

B. The method by which the beneficiary is advised about the transfer; C. The speed; D. The beneficiary; 电汇和信汇的区别是(AC)

A.海外银行是如何被告知汇款; B.受益人是如何得知汇款; C.速度; D受益人

二.Application of remittance 汇款的具体应用 1.Payment in advance/Prepaid 预付

(1)Payment with order 随订单预付

(2)Payment before shipment装运前天付款 (3)Payment after shipment装运后天付款

Question: comparision of three payment 思考:三种预付方式的异同点 Commonness 共同点

Before the buyer pays the money, the seller controls the goods and documents.

买方付清货款前,卖方掌握货物或货运单据; Difference: The risk to both of the party 不同点:对于双方的风险 To the buyer对于买方

(1)The highest; (2)High; (3)Lowest (1)最大,(2)其次,(3)最小;

2.Payment on delivery 到付

(1)售定:卖方装运货物---将全套单据给买方---规定期限内买方 付清全部的货款(不管是否已经将货物售出);

(2)寄售(consignment):卖方装运货物---将全套单据给买方---买方仅将售出的货款付给卖方,对于未售完的可以退货或者继续协商销售;

Question: Comparision 思考:两种到付方式的异同 Commonness共同点

Before the buyer pays the money, he already has the goods and documents. 买方付清货款前,已经掌握货物或货运单据; Difference: The risk 不同点:风险 To the buyer:对于买方

(1)high; (2)low.(1)风险高;(2)风险低

According to the five above mentioned payment, the risk for the seller was __ A __ gradually.

A. Increased; B. Decreased;

C. The first three increased, latter two decreased; D. The first three decreased, latter two increased. 根据以上五种支付方式,对于卖方而言,他的风险是 A增加;B 减少; C前三种增加,后两种减少; D前三种减少,后两种增加

一、Definition of collection 托收的定义

出口商(或者债权人)开立金融票据或商业单据或者两者皆有,委托托收行通过其联行或代理行向进口商(或者债务人)收取货款或者劳务费用的结算方式。

二、Parties of collection 托收的主要当事人 1.委托人 Principal:一般为出口商

2.托收行 Remitting Bank:出口商往来银行 3.代收行 Collecting Bank:进口商往来银行 4.付款行 Drawee:一般为进口商

三、Types of collection 托收的种类

1.Clean bill for collection

光票托收:出口商仅开立汇票而不附任何商业单据委托银行收取货款的一种托收方式。 2.Documentary bill for collection

跟单托收:出口商开立汇票并附商业单据,委托银行收取货款的一种托收方式。

Clean bill for exchange can be divided into: 光票托收又分为: (1)Sight bill for exchange;采用即期汇票; (2)Time bill for exchange;采用远期汇票;

Documentary bill for exchange can be divided into跟单托收又分为 D/P; (2)D/A

(1)付款交单 (2)承兑交单

D/P can be divided into

D/P at sight: 即期付款交单 D/P after sight: 远期付款交单

四、Procedures of collection托收的业务程序

第四章 信用证

1.The withdraw of money is called cancellation of remittance, it is a taking-back of fund before its payment. But once the paying bank has paid money, It can’t be cancelled.

汇款的退回即退汇,它是解付以前的汇回。一旦汇入行已解付汇款,则不能退汇。 答案:正确 2.Payment on delivery is beneficial to the exporter, while bad to the importer. 货到付款是一种对出口商有利,对进口商不利的结算方式。