Chapter4国际结算业务.pptx

Chapter4Chapter4国际结算业务A.背对背跟单信用证背对背跟单信用证B.代收行；收款行代收行；收款行C.承兑交单或付款交单承兑交单或付款交单D.可转让跟单信用证可转让跟单信用证E.通知行通知行F.汇款，汇付汇款，汇付G.拒付通知拒付通知H.议付跟单信用证议付跟单信用证I.托收委托书托收委托书J.跟单信用证跟单信用证K.开证行开证行L.跟单托收跟单托收M.不可撤销保兑跟单信用证不可撤销保兑跟单信用证N.议付行议付行O.托收行，委托行；汇款行，托收行，委托行；汇款行，汇出行汇出行P.汇入行汇入行Q.电汇和票汇电汇和票汇1.documentary collection 2.advising bank 3.D/A or D/P 4.issuing bank 5.irrevocable confirmed documentary credit 6.remittance 7.documentary letter of credit8.notice of dishonor9.negotiating bank10.remitting bank11.negotiation documentary credit12.collecting bank13.transferable documentary credit14.back-to-back documentary credit15.collection order 16.T/T and D/D 17.paying bank2010年7月1Classify the above technical terms in Column A into the following three categories.Letter of CreditCollectionRemittanceNote:Remittance 汇款汇款 既是国际结算的一种方式，既是国际结算的一种方式，在信用证和托收业务中也是或不可缺的。在信用证和托收业务中也是或不可缺的。ContinueContinue 6、10、16、172、4、5、7、9、11、13、141、38、10、12、15、Words&SentencesWords&Sentences1.收款行receiving bankQ:What is T/T?A:T/T is actually a cipher telegram sent by the remitting bank to the receiving bank.电汇实际上是汇出行拍发给汇入行的加密电报。2.汇票draftQ:What is D/D?A:Its short for Demand Draft.它是即期汇票的简称。它是用银行的即期汇票汇款的一种方式。Q:When could we apply for D/D?A:Before your journey to the foreign country,you can apply for D/D,which means a domestic bank draws a sight bill on this foreign correspondent bank.去国外旅行前您可以申请票汇，也就是说国内银行会为您签发一张国外合作银行的即期汇票。3.金额figure您应该用数字和文字两种方式填写金额。You should write the amount both in words and figures.4.退款refund您需要我们将退款存入您的账户吗？Would you like us to credit the refund to your account?5.保证函（损害补偿保证书）Letter of Indemnity6.赔偿reimburse保证函规定如果收款人兑现即期汇票，将由您来偿付该笔款项。The Letter of Indemnity states that you will reimburse us if the beneficiary claimed the money.7.付款交单D/P=documents against payment8.承兑交单D/A=documents against acceptance9.跟单托收documentary collection10.光票托收clean collection汇票已经交银行按光票托收。The draft has been handed to the bank on clean collction.11.国际结算international settlement实现effect我来办理国际结算。我们公司想要在信用证下付汇。Im here for an international settlement.Our company will effect a payment under a L/C.12.财政状况finance position您可以调查一下我的客户PB公司的财务状况吗？Could you make an investigation of the finance position of our customer,PB company?很高兴地告知您，您的贸易伙伴是一家声誉很好的合资公司，没有任何不良记录。Im glad to inform you that your partner is a joint venture with good reputation,and has never any bad record.13.担保人underwriter中国企业进行国际贸易时我们充当其担保人。We act as an underwriter for Chinese enterprises when they have international trade.14.波动，涨落fluctuate汇率是指一种货币用另一种货币表示的价格。它总是根据供需情况在不断波动。The exchange rate is the price of one currency in terms of another.It fluctuates all the time,according to the supply and demand.The parties concerned in an L/CThe parties concerned in an L/C q开证申请人开证申请人 applicantapplicantq开证行开证行 issuing/opening bankissuing/opening bank q通知行通知行 advising/notifying bankadvising/notifying bank q受益人受益人 beneficiarybeneficiary 保兑行保兑行confirming bank:confirming bank:根据开证行的要求，在信用证上加具保兑根据开证行的要求，在信用证上加具保兑的银行。保兑行的银行。保兑行 在信用证加具保兑后，必须承担付款或议付的责任。在信用证加具保兑后，必须承担付款或议付的责任。议付行议付行negotiating bank:negotiating bank:应信用证受益人的请求，依据信用证规应信用证受益人的请求，依据信用证规定条款，审核无误后予以议付，然后将单据寄给开证行或指定银行，定条款，审核无误后予以议付，然后将单据寄给开证行或指定银行，收回垫款的银行。收回垫款的银行。转递行转递行transmitting bank:transmitting bank:将开证行开立的信用证原件转给受益人将开证行开立的信用证原件转给受益人的银行。的银行。付款行付款行 paying bank:paying bank:在收到开证行的信用证后，以自己的通知书在收到开证行的信用证后，以自己的通知书格式照录后通知受益人。格式照录后通知受益人。偿付行偿付行reimbursing bankreimbursing bank:指接受开证行的委托，代开证行偿还议指接受开证行的委托，代开证行偿还议付垫款的银行。付垫款的银行。1.How many parties are involved in the documentary L/C business?2.Which do you think most probably acts as a confirming bank,issuing bank or advising bank?Four basic parties:an applicant,a beneficiary,an issuing bank,an advising bank.The advising bank.The issuing bank may probably request the advising bank to add its confirmation to the credit if the applicant gives such instructions.3.By whom and to whom will the advice of the letter of credit be sent?4.Try to give the counterpart of each of the letters of credit given in the table.The advice of the letter of credit will be sent by the advising bank to the beneficiary.Continue Continue Back Back Revocable Letter of CreditConfirmed Documentary Letter of CreditNegotiation Documentary Letter of CreditUsance Documentary Letter of CreditAcceptance Documentary Letter of CreditDocumentary Letter of CreditIrrevocable Letter of CreditUnconfirmed Documentary Letter of CreditPayment Documentary Letter of CreditSight Documentary Letter of CreditClean Letter of CreditContinueContinue 可转让跟单信用证背对背跟单信用证备付信用证预付信用证对开信用证循环信用证Transferable Documentary Letter of CreditBack-to-Back Documentary Letter of CreditStandby Letter of CreditAnticipatory Letter of Credit(Red Clause Credit)Reciprocal Letter of CreditRevolving Letter of CreditContinueContinue Task 4 Group discussionTry to describe the procedure of an L/C business in groups according to the given flow chart.Back Back ImporterIssuing BankAdvising Bank1.Sales Contract2.Application for an L/C11.Payment against documents6.Presenting for payment4.Advice of the L/C7.Forwarding documents and L/C3.Issuance of the L/C8.Making payment5.Shipment of Goods12.Delivery of Goods9.Making paymentExporter10.Advising documentsShipping CompanyFlow Chart of the Procedure for L/C Business:Back Back Task 4 Role-PlayingRole-play a conversation in pairs according to the situation and tasks given below.Back Back Situation:Johnson is a young merchant.He has to have a letter of credit as the means of payment according to the sales contract with the seller,but he does not know how to apply for an L/C and what are required for the issuance of an L/C.So he comes to consult Mr.Zhang,an experienced clerk from the Department of Settlement,Guangdong Branch of Bank of China.2010年7月1Back Back Continue Continue Tasks of each role:Say hello to Mr.Zhang;Present the signed sales contract and apply for issuance of an irrevocable confirmed negotiation documentary credit;Give detailed description of the transaction to be settled:Promise to use documents of title to the goods(bill of lading)as security or collateral;Give instructions for the L/C:JohnsonDetailed description of the transaction:The type and quantity of the goods purchased;The unit price and total amount of the transaction;The shipment date and the price terms;Instructions for the L/C:The named beneficiary;The suggested advising bank and negotiating bank;The expiry date;The latest shipment date;The documents required;The drawee of the sight draft under the credit;The total amount and the currency.Continue Continue Mr.ZhangExchange greeting;Read the sales contract and ask about the detailed information of the transaction:Tell about the requirements for the application for the L/C:Valid ID;the information of the bank account;the documents of title as security;Tell what should be done before filling in the application form:Sign a reimbursement contract with the bank;Sign a security agreement with the bank;Confirm the following items for the L/C issuance:The named beneficiary;The suggested advising bank and negotiating bank;The expiry date;The latest shipment date;The documents required;The drawee of the sight draft under the credit;The total amount and the currency.More InformationMore InformationBack Back For Reference:The necessary documents presented for payment by the beneficiary 要求受益人提示付款的单据，除提单（bill of lading）以 外，一 般 还 有 商 业 发 票（commercial invoice），原产地证明（certificate of origin），检验证明（certificate of inspection），保单（insurance policy）或保险证明（certificate of insurance）等等。The drawee of the bill of exchange under the credit 信用证项下的汇票受票人，直接付款信用证项下的受票人一般是开证行，议付信用证项下的受票人一般是议付行。The expiry date of the credit 信用证的到期日（效期），信用证的效期至少是货物的最迟装运日期的15天以后，便于受益人准备信用证要求的单据。