国际结算重点总结

国际结算知识点总结（单选25，判断15，实务60）三次作业1、Pleasedrawadraftaccordingtothefollowingmaterial:

NativeProductImp.andExp.CorporationJiangsubranchsoldsomegoods

valuedGBP54,000.00toPolarFursLID,London.Forsettlement,theexporterdrewadraftontheimporteronFeb20,2010,askingthelattertopay

100%oftheproceedstotheorderof

exporter30daysafterthedateof

issue.Accordingtotheinstructionoftheimporter,thedraftwillbepaidactuallyatBarclaysBank,PLC,London.

ExchangeforGBP54,000.00

Jiangsu

20thFeb.2010at30daysafterdatepaytotheorderofNativeProductsImp.andExp.Corporation,Jiangsu

thesumofPoundsFiftyFourThousandonlyToPolarFursLID，London

ForNativeProductsPayablebyBarclaysBank,PLC,Imp.andExp.Corporation,

London

Jiangsu

authorizedsignature2、Readthefollowingdraftandgiveyouranswertoeachofthefollowingquestions.

ExchangeforUSD50,000.00

Jan15,2010At60daysafterdatepaythisfirstbill(Secondunpaid)totheorderofBankofchinathesumofFiftyThousandUSDollarsonly.

To:ABCcompany

For

ChinaNationalCrafts

NewYork

Import&ExportCorporation,ShanghaiBranch.

(signed)

1.Whoisthedrawer?ChinaNationalCraftsImport&ExportCorporation,S.B.2.Whoisthedrawee?ABCcompanyNewYork3.Whoisthepayee?TheorderofBankofchina4.Isthisademanddraftoratenordraft?Atenordraft5.Isthisasolobillorabillofexchangeintwosets?Abillofexchangeintwosets6.Whereisthebilldrawn?Shanghai7.Whenisthebilldrawn?Jan15,20108.Onwhichdatewillthebillmature?Mar16,20103、Pleasecompletethefollowingsentencewithpropercontentsaccordingtothefollowingdraft.

ExchangeforUS$100,000.00

NewYork,10th

Aug,2010

At60daysaftersightpaytoBrown&ThomasInc.N.Y.ororder

thesumofU.S.dollarsonehundredthousandonly

To:IrvingTrustcompany

London

ForGeorgeAndersonInc.

NewYork

authorizedsignaturethebillforUS$100,000.00(thesumofU.S.dollarsonehundredthousandonly)isdrawnbyGeorgeAndersonInc.NewYorkonIrvingTrustcompanyLondonpayableat60daysaftersighttoBrown&ThomasInc.N.Y.ororderdated10thAug,2010信用证审核（课本129页——139页）问题条款共20处，粗体字显示。（是否有问题条款，为什么有问题，如矛盾条款，不利条款）SALESCONTRACTContractNo.:08SGQ468001Date:APR.22,2008Seller:GUANGDONGLIGHTELECTRICALAPPLANCESCO.,LTDAddress:52DEZHENGROADSOUTHBuyer:ABCCORP.Address:AKEDSANTERINKAUTOP.O.BOX9,ThisS/CismadebyandbetweentheSellerandtheBuyer,wherebytheSelleragreestosellandtheBuyeragreestobuytheunder-mentionedgoodsaccordingtothetermsandconditionsstipulatedbelow:NameofCommodityandSpecificationsQuantityUnitpriceAmountHALOGENFITTINGW5009,600PCSCIFHELSINKIUSD36,480.00USD3.80/PCTotalAmountUSD36,480.00Packing:12PCSINACARTONDeliveryfromGUANGZHOUtoHELSINKITimeofShipment:Within30daysafterissuedateofL/CallowingtransshipmentandpartialshipmentTermsofPayment:By100%ConfirmedirrevocableLetterofCreditinfavoroftheSellertobeavailablebysightdraft.L/CshouldbeopenedandreachChinabeforeMAY1,2008andremainvalidinChinauntilthe15thdayaftertheforesaidtimeofshipment.L/Cmustmentionthiscontractnumber.L/CshouldbeadvisedbyBANKOFCHINA,GUANGZHOUBRANCH.Insurance:TobeeffectedbySellerfor110%offullinvoicevaluecoveringALLRISKSuptoHELSINKITheSellerThebuyer(authorizedsign.)(authorizedsign.)DocumentaryCreditissuedbytelexIssuingbank:METITABANKLTD.,FINLANDAdvisingbank:BANKOFCHINA,GUANGZHOUBRANCHDoc.creditform:REVOCABLE(1)Creditnumber:LRT0702457Dateofissue:MAY4,2008（2）Expiry:DATEMAY25,2008(3)PLACEFINLAND(4)Applicant:ABCCO.(5)AKEKSANTERINK(6)AUTOP.O.BOX9,Beneficiary:GUANGDONGLIGHTELECTRICALAPPLANCESCO.,LTD52DEZHENGROADSOUTHAmount:USD36400,00(SAYUSDOLLARSTHIRTYSIXTHOUSANDFOURHUNDREDONLY)(7)Availablewith/by:ANYBANKINCHINABYNEGOTIATIONDraftat..:AT20DAYSSIGHT(8)FORFULLINVOICEVALUEDrawee:APPLICANT（9）Partialshipments:NOTALLOWED(10)Transshipment:ALLOWEDLoadingincharge:ANYPORTINCHINAFortransportto:HELSINKIShipmentperiod:ATTHELATEST:MAY20,2008(11)Descriptionofgoods:960PCS(12)OFHALOGENFITTINGW500,USD3,80PERPCASPERSALESCONTRACTNO.08SG468001(13)DATED22APR.2008CIFHESINKI(14)Documentsrequired:*COMMERCIALINVOICE1SIGNEDORIGINALAND5COPIES*PACKINGLIST1SIGNEDORIGINALAND5COPIES*FULLSETOFCLEANONBOARDMARINEBILLSOFLADING,MADEOUTTOORDER,MARKED“FREIGHTPREPAID”,ANDNOTIFYAPPLICANT*CERTIFICATEOFORIGIN,CERTIFYINGGOODSOFORIGININCHINA,ISSUEDBYCOMPETENTAUTHORITIES*INSURANCEPOLICY/CERTIFICATECOVERINGALLRISKSANDWARRISKS(15)OFPICCUPTOFINALDESTINATIONATHELSINKI,FORATLEAST120PCT(16)OFFULLINVOICEVALUE.Presentationperiod:10DAYS(17)AFTERISSUANCEDATEOFSHIPPINGDOCUMENTSCharges:ALLBANKCHARGESAREFORBENEFICIARY’SACCOUNT.（18）Confirmation:WITHOUT(19)Instructions:UPONRECEIPTOFTHEDRAFTSANDDOCUMENTSINORDER,WEWILLTRANSFERTHEPROCEEDSASINSTRUCTEDBYTHENEGOTIATINGBANKApplicablerules:UCP600(20)（原信用证中不含此项，此项一定要标明）信用证条款Creditmeansanyarrangement,howevernamedordescribed,thatisirrevocableandtherebyconstitutesadefiniteundertakingoftheissuingbanktohonouracomplyingpresentation.信用证意指一项约定，无论其如何命名或描述，该约定不可撤销并因此构成开证行对于相符提示予以兑付的确定承诺。UCP600Art.2Complyingpresentationmeansapresentation(ofdocuments)thatisinaccordancewiththetermsandconditionsofthecredit,theapplicableprovisionsoftheserulesandinternationalstandardbankingpractice.相符提示意指与信用证中的条款及条件、本惯例中所适用的规定及国际标准银行实务相一致的（单据）提示。Apresentationincludingoneormoreoriginaltransportdocumentssubjecttoarticles19,20,21,22,23,24or25mustbemadebyoronbehalfofthebeneficiarynotlaterthan21calendardaysafterthedateofshipmentasdescribedintheserules,butinanyeventnotlaterthantheexpirydateofthecredit.提示若包含一份或多份按照本惯例第19条、20条、21条、22条、23条、24条或25条出具的正本运输单据，则必须由受益人或其代表按照相关条款在不迟于装运日后的二十一个日历日内提交，但无论如何不得迟于信用证的到期日。Ifthereisnoindicationinthecreditoftheinsurancecoveragerequired,theamountofinsurancecoveragemustbeatleast110%oftheCIForCIPvalueofthegoods.如果信用证对投保金额未作规定，投保金额须至少为货物的CIF或CIP价格的110%。Atleastoneoriginalofeachdocumentstipulatedinthecreditmustbepresented.信用证中规定的各种单据必须至少提供一份正本。UCP600Art.2Honourmeans:a.topayatsightifthecreditisavailablebysightpayment.b.toincuradeferredpaymentundertakingandpayatmaturityifthecreditisavailablebydeferredpayment.c.toacceptabillofexchange(“draft”)drawnbythebeneficiaryandpayatmaturityifthecreditisavailablebyacceptance.兑付（承付）意指：a.对于即期付款信用证即期付款。b.对于延期付款信用证发出延期付款承诺并到期付款。c.对于承兑信用证承兑由受益人出具的汇票并到期付款。UCP600Art.2Negotiationmeansthepurchasebythenominatedbankofdrafts(drawnonabankotherthanthenominatedbank)and/ordocumentsunderacomplyingpresentation,byadvancingoragreeingtoadvancefundstothebeneficiaryonorbeforethebankingdayonwhichreimbursementisduetothenominatedbank.议付意指被指定银行在其应获得偿付的银行日或在此之前，通过向受益人预付或者同意向受益人预付款项的方式对相符提示项下的汇票（汇票付款人为被指定银行以外的银行）及/或单据做出的购买行为。anunconditionalorderinwriting,addressedbyonepersontoanother,signedbythepersongivingit,requiringthepersontowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedperson,ortobearer.(theUKBillsofExchangeActof1882)汇票是一人给另一人的书面无条件命令，由给出命令的人签发，要求接受命令的人即期、定期或在可确定的将来时间支付确定的货币金额给一个指明的人，或指明人的指定人，或来人。a.Collectionshouldnotcontainbillsofexchangepayableatafuturedatewithinstructionthatcommercialdocumentsaretobedeliveredagainstpayment.托收不应含有远期汇票而又同时规定商业单据要在付款时才交付。结算方式流程（中英文均可）信用证applicant（申请人/进口商）beneficiary（受益人/出口商）issuingbank（开证行/进口地银行）advisingbank（通知行）（检验真伪，无审证责任）nominatedbank/claimingbank（被指定银行/索偿行）payingbank（付款行）acceptingbank（承兑行）negotiatingbank（议付行）reimbursingbank（偿付行）（无审单责任）confirmingbank（保兑行）Step1（签订合同）Step2（申请开证）Step3（开立信用证）Step4（通知信用证）Step5（审证发货）Step6（签发提单）Step7（提交单据）Step8（审单兑付）Step9（寄单索汇）Step10（审单偿付）Step11（单到通知）Step12（付款赎单）Step13（交付单据）Step14（提示提单）Step15（交付货物）汇款remitter（汇款人/进口商）remittingbank（汇出行）payingbank（汇入行/解付行）payee(beneficiary)（收款人/出口商）信汇流程汇款人提交汇款申请、款项、支付佣金汇出行向汇款人提供回执汇出行通过信汇方式向汇入行发出支付命令或通知，指示汇入行向收款人支付款项接到支付命令并核对、认证，通知收款人收款人提供收据支付汇入行发送借记报单、收据给汇出行托收principal（委托人/出票人/出口商）drawee（付款人/受票人/进口商）remittingbank（托收行）collectingbank（代收行）presentingbank（提示行）case-of-need（需要时代理）签订销售合同出口商发货，获取运输单据，向进口商签发汇票出口商将单据和汇票交给托收行进行托收托收行将单据、汇票以及托收指示发给代收行代收行或提示行通知进口商进口商支付或承兑代收行将单据交给进口商代收行向托收行支付款项托收行贷记出口商账户保函1.theprincipal(applicant)andthebeneficiarysignaunderlyingcontractspecifyingaL/Gtobeissued.（签订合同）2.theprincipalappliesforissuingadirectL/GoracounterL/G（申请保函或反担保函）3.theprincipal’bankissuesadirectL/GoracounterL/G（开立直接保函或反担保函）4.thebeneficiary’sbankadvisesthedirectL/GorissuesaL/GagainstthecounterL/Gtothebeneficiary（通知或开立保函）5.thebeneficiaryclaimspaymentbypresentingawrittendemandtogetherwithrequireddocstothebeneficiary’sbank（交单索付）6.thebeneficiary’sbanktransmitsthedocstotheprincipal’sbankforpaymentoreffectspaymenttothebeneficiaryandclaimsreimbursementfromtheprincipal’sbank（寄单索付或付款后索偿）7.theprincipal’sbankeffectspaymenttothebeneficiarythroughthebeneficiary’bankorreimbursestothebeneficiary’sbank（付款或偿付）8.theprincipal’sbankasksforreimbursementfromtheprincipal（向申请人索偿）保理Overallagreementoffactoringbetweentheexporterandfactor（签订保理总协议）Applyingforimporter’screditline（申请买方信用额度）Requestofcreditapproval（委托批准信用额度）Investigationofimporter’screditandapprovingthecredi