International-Settlements-国际结算-教学课件-诸论

InternationalSettlements授课教师:李欢丽InternationalSettlements授课教师:1

1.1.Welcome!1.1.Welcome!21.2.AbouttheteacherName:李欢丽(Ashley)E-mailAdd:Ashley0708@QQ:52096307Office:1419Officetime:8:00am-4:30pmTelephone:372151971.2.AbouttheteacherName:李欢丽31.3.CourseOverview

1.3.CourseOverview4Part1:FinancialInstruments

1)billofexchange2)promissorynote3)checkmoney?FunctionsandActsoffinancialinstrumentswillbediscussedtherelativelawsconcerningthefinancialinstrumentwillbeintroduced.Part1:FinancialInstruments5QuestionHowmanypartieswillbeinvolvedininternationaltrade?BuyerSellerBuyer’sbankSeller

’sbankQuestionHowmanypartieswill6Part2:IntrnationalSettlementMethods1)Remittance:byT/T电汇byM/T信汇byD/D票汇2)Collection:ByD/Patsight即期付款交单ByD/Paftersight远期付款交单ByD/A承兑交单Part2:IntrnationalSettlement7

3)LetterofCredit

3)LetterofCredit8Question1.settlementoncommercialcredit基于商业信用的结算2.settlementonbankcredit基于银行信用的结算Ifyouarethebuyer/seller,whichsettlementmethodwillbeyourfavorite?Question1.settlementoncomme9Part3,Thedocumentsunderletterofcredit

1)commercialinvoice2)transportdocuments:B/L3)insurancedocumentsGoods?Part3,Thedocumentsunderle101.3.CourseOverview1.3.CourseOverview111.4.Schedule①1周:课程简介,国际结算概述②2-4周:信用工具③5-6周:国际银行汇兑④7,8,9周:托收结算方式⑤10-15：信用证结算方式⑥16-17：信用证下的单据⑦期末复习1.4.Schedule①1周:课程简介,国际结算概述121.5Reference1.课本(1)苏宗祥,《国际结算》，中国金融出版社(附全英文练习及答案);(2)张燕玲,《国际结算业务指南》，中国工商联合出版社(3)<美>爱德华.G.辛克尔曼,顾继红,周林译,《国际结算》，经济科学出版社(4)高程德，《国际票据管理》，北京大学出版社(5)《票据结算与托收法律风险防范》2.网站(1)/(2)/(3)/(4)/(5)/(6)/3.杂志(1)对外经贸实务,武汉(2)中国外汇管理1.5Reference131.6Theobjectivesofthecourse.UnderstandthetermsandconnectionsamongdifferenttermsGraspthediagramofeachsettlementmethodCanfill/telex/faxandexaminetheapplication,letter,cable,SWIFT,etc.Understandinternationalcustomsandpracticeforinternationalsettlements.1.6Theobjectivesofthecour14

Thankyou!

Isincerelyhopethatyouputforwardsomecriticismandvaluablesuggestions.

Thankyou!Isincerelyho15第一章序论：国际结算简介第一章序论：国际结算简介16

1.1.Definition定义1.2.Evolution演变1.3.Characteristics性质1.4.MajorPointsConcerning应注意的主要问题1.5.CorrespondentBankingRelationship代理行关系1.1.Definition定义172.1.Definition

国际结算是国际间由于经济、文化、科技交流而产生的以货币表示的债权债务的清偿行为。

2.1.Definition国际结算是18指以①银行为中介进行②国际间资金调拨，以结算位于不同国家和地区之间的两个或两个以上当事人间债权债务的一种活动。币种?如何产生?流程?指以①银行为中介进行②国际间资金调拨，以结算位于不同国家和地19Importer/BuyerExporter’sbankFundsGoods/commoditiesExporter/SellerImporter’sbank①国际结算基本流程ShippingCo.instrumentsFundsdocumentsGoodsImporter/Exporter’sFundsGoods20国际通用货币完全可自由兑换的货币有限自由兑换的货币完全不可自由兑换的货币????2.如何选择币种?国际通用完全有限自由完全????2.如何选择币种?21Currency1.currencyoftheexporter’scountry:______2.currencyoftheimporter’scountry:______3.currencyofathirdcountry:GBP

PrincipleforInternationalsettlementsEachcurrencyisclearedwithintheboundaryoftheissuingcountry.任何货币的清算都必须在该货币发行国ACo.(exporter)USABCo.(importer)JapanChemicalBankUSASumitomoBankJapanCurrencyPrinciplefo22(1)Convertiblecurrencyoftheexporter’scountry(2)Convertiblecurrencyoftheimporter’scountry(3)Convertiblecurrencyofathirdcountry既要考虑到兑换性,又要考虑到安全性.如果是第三国的货币,选软货币,还是硬币?(1)Convertiblecurrencyofth23

Mostinternationalsettlementsoriginatefromtransactionintheworldtrade.Howmanyinternationaltransactionscanyoulist?3.债权债务是如何产生的呢?Mostinternationalsettlement24

经常项目:1.visibletrade有形贸易2.invisibletrade无形贸易:patent专利copyrightcontract版权合同technologytransfer技术转让3.others1)overseasremittances海外汇款

2)educationalexpenses教育开支3)inheritances遗产继承资本和金融项目:financialtransaction金融交易•foreignexchangemarkettransactions金融市场交易•exportcredits出口信贷•syndicatedloans辛迪加贷款•internationalbond国际债券经常项目:25经常账户/经常项目CurrentAccount1.货物和服务Goods&Servicea.货物Goods有形贸易贸易结算b.服务Serviced无形贸易非贸易结算2.收入Income3.经常转移CurrentTransfer/UnilateralCurrentTransfer资本和金融账户CapitalandFinancialAccount1.资本账户CapitalAccount2.金融账户FinancialAccount(1)直接投资DirectInvestment(2)间接投资IndirectInvestment(3)证券投资PortfolioInvestment(4)其它投资OtherInvestment

国际储备InternationalReserve净误差与遗漏NetError&Omission160,818,31162.963,91658,862,124经常账户/经常项目CurrentAccount1.货物和服261.2.Evolution演变1.2.1从现金结算演变为非现金结算1.2.2商品买卖发展到单据买卖1.2.3从买卖双方直接结算发展到买卖通过银行结算

1.2.Evolution演变1.2.1从现金结算演27Bartertransaction6centuryB.C.5centuryB.C.coinsbarsbullionsPreciousmetals13centuryA.D.Barter6century5centuryc28BillofexchangeForeignexchangebank13centuryA.D.endof18centuryA.D.ForeignexchangemarketBillofexchangeForeignexchan291.3.Characteristicsofthemoderninternationalsettlements1、国际结算中的非信用证结算方式正取代信用证结算方式。（买方市场）2、国际结算单据日趋多样化、复杂化。3、国际结算走向电子化、标准化，提高了结算效率。4、国际贸易结算的法律规范日益健全，国际惯例、公约在结算中起着重要作用。1.3.Characteristicsofthemo30DomesticSettlement

InternationalsettlementssettlementInternationalTradeSettlementInternationalNon-TradeSettlementInstrumentsMethodsDocumentsRulesExchangeMainmethodsOthermethodsbasicAdditionalPromissorynoteCheckRemittanceLetterofcreditCollectionFactoringLetterofguaranteeForfeitingStandbyletterofcreditInvoiceBillofLadingInsurancedocumentsPackinglistWeightmemoCertificateofOriginal

AllkindsofCertificatesURGUCPURCExperimentalbookP1DomesticSettlementInternatio311.4

CorrespondentBankingRelationship1.4.1Definitionofcorrespondentbank代理行Abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.Thebankmayopendepositaccountswith,andentrustbusinesstoeachotheronareciprocalbasis.互惠的,相应的1.4CorrespondentBankingRel32Whenselectingabankasacorrespondentbank,whatfactorsshouldbetakenintoaccount?⑴Thereputationofthebank;银行资信⑵Sizeofthebank;规模⑶Locationofthebank;位置⑷Servicesofferedbythebank;服务⑸Fundamentalpoliciesandstrengthofthebank;基本政策和优势⑹Physicalfeaturesandpersonnel;特点及员工⑺Momentumofearlystart,etc.发展势头Whenselectingabankasacor33AgencyarrangementControldocumentsHowtoestablishacorrespondentrelationshipbetweentwobanks?AgencyarrangementControldocu341.4

CorrespondentBankingRelationship1.4.2ControlDocuments控制文件•Listsofspecimenofauthorizedsignatures印鉴往来信函的核对•Telegraphictestkeys密押往来电文的核对•Termsandconditions费率表收费标准•SWIFTauthentickey验证码1.4CorrespondentBankingRel352.4

CorrespondentBankingRelationship2.4.3Inter-bankaccount（1）Nostro往账我行在它行开立的存款账户。2.4CorrespondentBankingRel36（2）Vostroaccount来账它行在我行开立的存款账户。（2）Vostroaccount来账37Nostroaccount:istheforeigncurrencyaccount(duefromaccount)ofamajorbankwiththeforeignbanksabroadtofacilitateinternationalsettlements.FromthepointofBankofChina,anostroaccountisourbank’saccountinthebooksofanoverseasbank,denominatedinforeigncurrency.USDAccountBankofNewYorkBankofChina往账Nostroaccount:istheforeign38Vostroaccount:isthedomesticcurrencyaccount(duetoaccount)heldbyabankonbehalfofacorrespondentbank.FromthepointofviewofBankofChina,avostroaccountisanoverseasbank’saccountwithus,denominatedinRMB.BankofChinaHongkongandShanghaiBankingCorporation,Ltd.,HongKongRMBAccount来账Vostroaccount:isthedomesti39ABankBBankCurrenta/cXXXBBank’scurrencyA/CXXXisABank’s__________________a/c,isBBank’s______________a/c.ABankBBankCurrenta/cXXXB40ABankBBankCurrenta/cXXXABank’scurrencyA/CXXXisABank’s__________________a/c,isBBank’s______________a/c.现金账户ABankBBankCurrenta/cXXXA41DepositorBankCurrenta/cXXXDepositorBankCurrenta/cXXXDepositoryBank账户行开户行存款客户账户行DepositorBankCurrenta/cXXXDe42(2)Samplesofreimbursementmethods•Incover,wehavecreditedthesumtoyouraccountwithus.•Pleasedebit

thesumtoouraccountwithyou.•Incover,wehaveauthorizedThebankofTokyo,NewYorktodebitouraccountandcredityouraccountwiththem.•Incover,pleasereimburseyourselvestothedebitingofouraccountwithTheBankofTokyo,NewYork.贷记借记头寸accountingbankcorrespondentbank(2)Samplesofreimbursementm431.4

CorrespondentBankingRelationship1.4.4Servicesprovidedbycorrespondents(1)Collectingchecks,drafts,andothercreditinstruments;(2)Makingloanorinvestmentsasagentfortheircustomerbanks;(3)Makingcreditinvestigationsoffirmsthatborrowintheopenmarket;(4)Providingbankswithforeignexchangefacilities,includingcommercialandtraveler’schecks;(5)Providingbankswithfunds/loansincaseofneed.1.4CorrespondentBankingRel44InternationalSettlements授课教师:李欢丽InternationalSettlements授课教师:45

1.1.Welcome!1.1.Welcome!461.2.AbouttheteacherName:李欢丽(Ashley)E-mailAdd:Ashley0708@QQ:52096307Office:1419Officetime:8:00am-4:30pmTelephone:372151971.2.AbouttheteacherName:李欢丽471.3.CourseOverview

1.3.CourseOverview48Part1:FinancialInstruments

1)billofexchange2)promissorynote3)checkmoney?FunctionsandActsoffinancialinstrumentswillbediscussedtherelativelawsconcerningthefinancialinstrumentwillbeintroduced.Part1:FinancialInstruments49QuestionHowmanypartieswillbeinvolvedininternationaltrade?BuyerSellerBuyer’sbankSeller

’sbankQuestionHowmanypartieswill50Part2:IntrnationalSettlementMethods1)Remittance:byT/T电汇byM/T信汇byD/D票汇2)Collection:ByD/Patsight即期付款交单ByD/Paftersight远期付款交单ByD/A承兑交单Part2:IntrnationalSettlement51

3)LetterofCredit

3)LetterofCredit52Question1.settlementoncommercialcredit基于商业信用的结算2.settlementonbankcredit基于银行信用的结算Ifyouarethebuyer/seller,whichsettlementmethodwillbeyourfavorite?Question1.settlementoncomme53Part3,Thedocumentsunderletterofcredit

1)commercialinvoice2)transportdocuments:B/L3)insurancedocumentsGoods?Part3,Thedocumentsunderle541.3.CourseOverview1.3.CourseOverview551.4.Schedule①1周:课程简介,国际结算概述②2-4周:信用工具③5-6周:国际银行汇兑④7,8,9周:托收结算方式⑤10-15：信用证结算方式⑥16-17：信用证下的单据⑦期末复习1.4.Schedule①1周:课程简介,国际结算概述561.5Reference1.课本(1)苏宗祥,《国际结算》，中国金融出版社(附全英文练习及答案);(2)张燕玲,《国际结算业务指南》，中国工商联合出版社(3)<美>爱德华.G.辛克尔曼,顾继红,周林译,《国际结算》，经济科学出版社(4)高程德，《国际票据管理》，北京大学出版社(5)《票据结算与托收法律风险防范》2.网站(1)/(2)/(3)/(4)/(5)/(6)/3.杂志(1)对外经贸实务,武汉(2)中国外汇管理1.5Reference571.6Theobjectivesofthecourse.UnderstandthetermsandconnectionsamongdifferenttermsGraspthediagramofeachsettlementmethodCanfill/telex/faxandexaminetheapplication,letter,cable,SWIFT,etc.Understandinternationalcustomsandpracticeforinternationalsettlements.1.6Theobjectivesofthecour58

Thankyou!

Isincerelyhopethatyouputforwardsomecriticismandvaluablesuggestions.

Thankyou!Isincerelyho59第一章序论：国际结算简介第一章序论：国际结算简介60

1.1.Definition定义1.2.Evolution演变1.3.Characteristics性质1.4.MajorPointsConcerning应注意的主要问题1.5.CorrespondentBankingRelationship代理行关系1.1.Definition定义612.1.Definition

国际结算是国际间由于经济、文化、科技交流而产生的以货币表示的债权债务的清偿行为。

2.1.Definition国际结算是62指以①银行为中介进行②国际间资金调拨，以结算位于不同国家和地区之间的两个或两个以上当事人间债权债务的一种活动。币种?如何产生?流程?指以①银行为中介进行②国际间资金调拨，以结算位于不同国家和地63Importer/BuyerExporter’sbankFundsGoods/commoditiesExporter/SellerImporter’sbank①国际结算基本流程ShippingCo.instrumentsFundsdocumentsGoodsImporter/Exporter’sFundsGoods64国际通用货币完全可自由兑换的货币有限自由兑换的货币完全不可自由兑换的货币????2.如何选择币种?国际通用完全有限自由完全????2.如何选择币种?65Currency1.currencyoftheexporter’scountry:______2.currencyoftheimporter’scountry:______3.currencyofathirdcountry:GBP

PrincipleforInternationalsettlementsEachcurrencyisclearedwithintheboundaryoftheissuingcountry.任何货币的清算都必须在该货币发行国ACo.(exporter)USABCo.(importer)JapanChemicalBankUSASumitomoBankJapanCurrencyPrinciplefo66(1)Convertiblecurrencyoftheexporter’scountry(2)Convertiblecurrencyoftheimporter’scountry(3)Convertiblecurrencyofathirdcountry既要考虑到兑换性,又要考虑到安全性.如果是第三国的货币,选软货币,还是硬币?(1)Convertiblecurrencyofth67

Mostinternationalsettlementsoriginatefromtransactionintheworldtrade.Howmanyinternationaltransactionscanyoulist?3.债权债务是如何产生的呢?Mostinternationalsettlement68

经常项目:1.visibletrade有形贸易2.invisibletrade无形贸易:patent专利copyrightcontract版权合同technologytransfer技术转让3.others1)overseasremittances海外汇款

2)educationalexpenses教育开支3)inheritances遗产继承资本和金融项目:financialtransaction金融交易•foreignexchangemarkettransactions金融市场交易•exportcredits出口信贷•syndicatedloans辛迪加贷款•internationalbond国际债券经常项目:69经常账户/经常项目CurrentAccount1.货物和服务Goods&Servicea.货物Goods有形贸易贸易结算b.服务Serviced无形贸易非贸易结算2.收入Income3.经常转移CurrentTransfer/UnilateralCurrentTransfer资本和金融账户CapitalandFinancialAccount1.资本账户CapitalAccount2.金融账户FinancialAccount(1)直接投资DirectInvestment(2)间接投资IndirectInvestment(3)证券投资PortfolioInvestment(4)其它投资OtherInvestment

国际储备InternationalReserve净误差与遗漏NetError&Omission160,818,31162.963,91658,862,124经常账户/经常项目CurrentAccount1.货物和服701.2.Evolution演变1.2.1从现金结算演变为非现金结算1.2.2商品买卖发展到单据买卖1.2.3从买卖双方直接结算发展到买卖通过银行结算

1.2.Evolution演变1.2.1从现金结算演71Bartertransaction6centuryB.C.5centuryB.C.coinsbarsbullionsPreciousmetals13centuryA.D.Barter6century5centuryc72BillofexchangeForeignexchangebank13centuryA.D.endof18centuryA.D.ForeignexchangemarketBillofexchangeForeignexchan731.3.Characteristicsofthemoderninternationalsettlements1、国际结算中的非信用证结算方式正取代信用证结算方式。（买方市场）2、国际结算单据日趋多样化、复杂化。3、国际结算走向电子化、标准化，提高了结算效率。4、国际贸易结算的法律规范日益健全，国际惯例、公约在结算中起着重要作用。1.3.Characteristicsofthemo74DomesticSettlement

InternationalsettlementssettlementInternationalTradeSettlementInternationalNon-TradeSettlementInstrumentsMethodsDocumentsRulesExchangeMainmethodsOthermethodsbasicAdditionalPromissorynoteCheckRemittanceLetterofcreditCollectionFactoringLetterofguaranteeForfeitingStandbyletterofcreditInvoiceBillofLadingInsurancedocumentsPackinglistWeightmemoCertificateofOriginal

AllkindsofCertificatesURGUCPURCExperimentalbookP1DomesticSettlementInternatio751.4

CorrespondentBankingRelationship1.4.1Definitionofcorrespondentbank代理行Abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.Thebankmayopendepositaccountswith,andentrustbusinesstoeachotheronareciprocalbasis.互惠的,相应的1.4CorrespondentBankingRel76Whenselectingabankasacorrespondentbank,whatfactorsshouldbetakenintoaccount?⑴Thereputationofthebank;银行资信⑵Sizeofthebank;规模⑶Locationofthebank;位置⑷Servicesofferedbythebank;服务⑸Fundamentalpoliciesandstrengthofthebank;基本政策和优势⑹Physicalfeaturesandpersonnel;特点及员工⑺Momentumofearlystart,etc.发展势头Whenselectingabankasacor77AgencyarrangementControldocumentsHowtoestablishacorrespondentrelationshipbetweentwobanks?AgencyarrangementControldocu781.4

CorrespondentBankingRelationship1.4.2ControlDocuments控制文件•Listsofspecimenofauthorizedsignatures印鉴往来信函的核对•Telegraphictestkeys密押往来电文的核对•Termsandconditions费率表收费标准•SWIFTauthentickey验证码1.4CorrespondentBankingRel792.4

CorrespondentBankingRelationship2.4.3Inter-bankaccount（1）Nostro往账我行在它行开立的存款账户。2.4CorrespondentBankingRel80（2）Vostroaccount来账它行在我行开立的存款账户。（2）Vostroaccount来账81Nostroaccount:istheforeigncurrencyaccount(duefromaccount)ofamajorbankwiththeforeignbanksabroadtofacilitateinternationalsettlements.FromthepointofBankofChina,anostroaccountisourbank’saccountinthebooksofanoverseasbank,denominatedinfo