Chapter4国际结算业务

Chapter4国际结算业务背对背跟单信用证代收行；收款行承兑交单或付款交单可转让跟单信用证通知行汇款，汇付拒付通知议付跟单信用证托收委托书跟单信用证开证行跟单托收不可撤销保兑跟单信用证议付行托收行，委托行；汇款行，汇出行汇入行电汇和票汇documentarycollectionadvisingbankD/AorD/Pissuingbankirrevocableconfirmeddocumentarycreditremittancedocumentaryletterofcreditnoticeofdishonornegotiatingbankremittingbanknegotiationdocumentarycreditcollectingbanktransferabledocumentarycreditback-to-backdocumentarycreditcollectionorderT/TandD/Dpayingbank2010年7月1ClassifytheabovetechnicaltermsinColumnAintothefollowingthreecategories.LetterofCreditCollectionRemittanceNote:Remittance汇款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。Continue

6、10、16、172、4、5、7、9、11、13、141、3、8、10、12、15、Words&Sentences1.收款行receivingbankQ:WhatisT/T?A:T/Tisactuallyaciphertelegramsentbytheremittingbanktothereceivingbank.电汇实际上是汇出行拍发给汇入行的加密电报。2.汇票draftQ:WhatisD/D?A:It'sshortforDemandDraft.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:WhencouldweapplyforD/D?A:Beforeyourjourneytotheforeigncountry,youcanapplyforD/D,whichmeansadomesticbankdrawsasightbillonthisforeigncorrespondentbank.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。Youshouldwritetheamountbothinwordsandfigures.4.退款refund您需要我们将退款存入您的账户吗？Wouldyoulikeustocredittherefundtoyouraccount?5.保证函（损害补偿保证书）LetterofIndemnity6.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。TheLetterofIndemnitystatesthatyouwillreimburseusifthebeneficiaryclaimedthemoney.7.付款交单D/P=documentsagainstpayment8.承兑交单D/A=documentsagainstacceptance9.跟单托收documentarycollection10.光票托收cleancollection汇票已经交银行按光票托收。Thedrafthasbeenhandedtothebankoncleancollction.11.国际结算internationalsettlement实现effect我来办理国际结算。我们公司想要在信用证下付汇。I’mhereforaninternationalsettlement.OurcompanywilleffectapaymentunderaL/C.12.财政状况financeposition您可以调查一下我的客户PB公司的财务状况吗？Couldyoumakeaninvestigationofthefinancepositionofourcustomer,PBcompany?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。I’mgladtoinformyouthatyourpartnerisajointventurewithgoodreputation,andhasneveranybadrecord.13.担保人underwriter中国企业进行国际贸易时我们充当其担保人。WeactasanunderwriterforChineseenterpriseswhentheyhaveinternationaltrade.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。Theexchangerateisthepriceofonecurrencyintermsofanother.Itfluctuatesallthetime,accordingtothesupplyanddemand.ThepartiesconcernedinanL/C

开证申请人applicant开证行issuing/openingbank

通知行advising/notifyingbank

受益人beneficiary

保兑行confirmingbank:根据开证行的要求，在信用证上加具保兑的银行。保兑行在信用证加具保兑后，必须承担付款或议付的责任。

议付行negotiatingbank: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，收回垫款的银行。

转递行transmittingbank:将开证行开立的信用证原件转给受益人的银行。

付款行payingbank: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。

偿付行reimbursingbank:指接受开证行的委托，代开证行偿还议付垫款的银行。

1.HowmanypartiesareinvolvedinthedocumentaryL/Cbusiness?2.Whichdoyouthinkmostprobablyactsasaconfirmingbank,issuingbankoradvisingbank?Fourbasicparties:anapplicant,abeneficiary,anissuingbank,anadvisingbank.Theadvisingbank.Theissuingbankmayprobablyrequesttheadvisingbanktoadditsconfirmationtothecreditiftheapplicantgivessuchinstructions.3.Bywhomandtowhomwilltheadviceoftheletterofcreditbesent?4.Trytogivethecounterpartofeachofthelettersofcreditgiveninthetable.Theadviceoftheletterofcreditwillbesentbytheadvisingbanktothebeneficiary.Continue

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RevocableLetterofCreditConfirmedDocumentaryLetterofCreditNegotiationDocumentaryLetterofCreditUsanceDocumentaryLetterofCreditAcceptanceDocumentaryLetterofCreditDocumentaryLetterofCreditIrrevocableLetterofCreditUnconfirmedDocumentaryLetterofCreditPaymentDocumentaryLetterofCreditSightDocumentaryLetterofCreditCleanLetterofCreditContinue

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TransferableDocumentaryLetterofCreditBack-to-BackDocumentaryLetterofCreditStandbyLetterofCreditAnticipatoryLetterofCredit(RedClauseCredit)ReciprocalLetterofCreditRevolvingLetterofCreditContinue

Task4GroupdiscussionTrytodescribetheprocedureofanL/Cbusinessingroupsaccordingtothegivenflowchart.Back

ImporterIssuingBankAdvisingBank1.SalesContract2.ApplicationforanL/C11.Paymentagainstdocuments6.Presentingforpayment4.AdviceoftheL/C7.ForwardingdocumentsandL/C3.IssuanceoftheL/C8.Makingpayment5.ShipmentofGoods12.DeliveryofGoods9.MakingpaymentExporter10.AdvisingdocumentsShippingCompanyFlowChartoftheProcedureforL/CBusiness:Back

Task4Role-PlayingRole-playaconversationinpairsaccordingtothesituationandtasksgivenbelow.Back

Situation:Johnsonisayoungmerchant.Hehastohavealetterofcreditasthemeansofpaymentaccordingtothesalescontractwiththeseller,buthedoesnotknowhowtoapplyforanL/CandwhatarerequiredfortheissuanceofanL/C.SohecomestoconsultMr.Zhang,anexperiencedclerkfromtheDepartmentofSettlement,GuangdongBranchofBankofChina.2010年7月1Back

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Tasksofeachrole:SayhellotoMr.Zhang;Presentthesignedsalescontractandapplyforissuanceofanirrevocableconfirmednegotiationdocumentarycredit;Givedetaileddescriptionofthetransactiontobesettled:Promisetousedocumentsoftitletothegoods(billoflading)assecurityorcollateral;GiveinstructionsfortheL/C:JohnsonDetaileddescriptionofthetransaction:Thetypeandquantityofthegoodspurchased;Theunitpriceandtotalamountofthetransaction;Theshipmentdateandthepriceterms;InstructionsfortheL/C:Thenamedbeneficiary;Thesuggestedadvisingbankandnegotiatingbank;Theexpirydate;Thelatestshipmentdate;Thedocumentsrequired;Thedraweeofthesightdraftunderthecredit;Thetotalamountandthecurrency.Continue

Mr.ZhangExchangegreeting;Readthesalescontractandaskaboutthedetailedinformationofthetransaction:TellabouttherequirementsfortheapplicationfortheL/C:ValidID;theinformationofthebankaccount;thedocumentsoftitleassecurity;Tellwhatshouldbedonebeforefillingintheapplicationform:Signareimbursementcontractwiththebank;Signasecurityagreementwiththebank;Confirmthefollowi