第一讲 国际结算概述

1、2020/7/4,国际结算,Internationalsettlements,GuangxiUniversityforNationalitiesXuligui,Chapter1、2、12,IntroductiontoInternationalsettlements,2020/7/4,国际结算,2020/7/4,国际结算,LearningObjectives,1.WhatisInternationalSettlements2.EvolutionofInternationalSettlements3.ResearchObjectsofInternationalSettlements4.Charac

2、teristicsofInternationalSettlements5.GeneralknowledgeofInternationalSettlements,2020/7/4,国际结算,Whichnewsreportsareassociatedwithinternationalsettlements？,Report1,中美签单386亿美元新能源等成合作重点,2020/7/4,国际结算,Report2,外国11月增持美国国债801亿美元,2020/7/4,国际结算,Report3,中国红十字会再次向日本地震灾区捐款500万元,2020/7/4,国际结算,Report4,欧元区财长会议决定向希腊

3、发放贷款,2020/7/4,国际结算,2020/7/4,国际结算,1.WhatisInternationalsettlements?,Internationalsettlements:arefinancialactivities,inwhichfundsaretransferredfromonecountrytoanotherinordertosettleaccounts,debts,claims,etc.,2020/7/4,国际结算,Typesofinternationalsettlements：tradesettlements:visibletradeNon-tradesettlement

4、s:Invisibletrade:transportation,insurance,etc.Financialtransaction：foreignexchangemarkettransactions,internationallending,etc.others：overseasremittances,2020/7/4,国际结算,2.EvolutionofInternationalSettlements,(1)cashsettlementnon-cashsettlement(2)settlementsagainstgoodssettlementsagainstdocuments,2020/7

5、/4,国际结算,(3)directpaymentmadebetweeninternationaltraderspaymenteffectedthroughbanks(4)internationalsettlementsarecombinedwithtradefinancing,2020/7/4,国际结算,(1)Fromcashsettlementtonon-cashsettlement,Cashsettlement-coins,bars,bullions.Risks-high,costs-high,speed-lownon-cashsettlement-billofexchanges,etc.

6、,2020/7/4,国际结算,Exchangesettlement,Newyork,A,London,B,London,D,goods,goods,Paycash,draft,Presentthedraft,Paycash,draft,Newyork,C,2020/7/4,Internationalsettlements,(2)Fromsettlementsagainstgoodstosettlementsagainstdocuments,settlementsagainstgoods：,Inspection,shipment,2020/7/4,国际结算,settlementsagainstd

7、ocumentsindustryspecialization：shippingindustry,insuranceindustrydocuments：billoflading,insurancepolicy,2020/7/4,国际结算,(3)Fromdirectpaymentmadebetweeninternationaltraderstopaymenteffectedthroughbanks,Settlementsbybanks:safe,speedy,2020/7/4,国际结算,(4)internationalsettlementsarecombinedwithtradefinancing

8、,Backgrounds：DevelopmentofScience&TechnologyO/AandmethodsofpaymentoncommercialcreditareusedmoreandmorewidelyThesellerneedsmoremoneyininternationaltrade,2020/7/4,国际结算,Newtypesofinternationalpaymentmethods：InternationalFactoringForfaiting,3.ResearchObjectsofInternationalSettlements,(1)instruments:bill

9、ofexchange,promissory,check(2)methodsofInternationalSettlements：Remittance,collection,letterofcredit,2020/7/4,国际结算,(3)documentsunderinternationalsettlements：Invoice,transportdocuments,insurancedocuments,certificateoforigin,etc.(4)Methodsassociatedwithbanksguarantee:factoring,bankguarantee,forfaiting

10、,etc.,2020/7/4,国际结算,2020/7/4,国际结算,4.CharacteristicsofInternationalSettlements,Settlementsaresubjecttointernationaluniformrules,customsandpracticesVehiclecurrenciesaremorediversifiedFundsaretransferredbypaymentsysterm.,2020/7/4,国际结算,Internationalrules（1）,国际贸易术语解释通则，2010年(internationalrulesfortheinter

11、pretationoftradeterms,简称INCOTERMS，2010）托收统一规则（uniformrulesforcollections，简称URC522）跟单信用证统一惯例（uniformcustomsandpracticefordocumentarycredits,ICCPublicationNo.600,简称UCP600）跟单信用证项下银行偿付统一规则（uniformrulesforbank-to-bankreimbursementsunderdocumentarycredits，简称URR725）,2020/7/4,国际结算,Internationalrules（2）,见索即付

12、保函统一规则（uniformrulesfordemandguarantees,ICCPublicationNo.758,简称URDG758）国际备用证惯例（internationalstandbypractices，简称ISP98）国际保理通则（Generalrulesforinternationalfactoring),2020/7/4,国际结算,Paymentsysterm,SWIFT（societyforworldwideinterbankfinancialtelecommunication）：环球同业银行金融电讯协会CHIPS（clearinghouseinterbankpayment

13、ssystem）：纽约“清算所银行同业支付系统”CHAPS（clearinghouseautomatedpaymentssystem）：伦敦“清算所自动支付系统”TARGET（Trans-EuropeanAutomatedReal-timeGrosssettlementsExpressTransferSystem）：欧洲间实时全额自动清算系统,2020/7/4,国际结算,WhatareSWIFTCODE,ABAROUTINENO.,UIDNO.,AnAmericanclientsentanemail：“Ijustgotacallfrommybank.Thebankneedstherouting

14、numbertocompletethetransaction.TheystatethatUSAbankdoesnotuseswiftcode.Pleaseinquireaboutthistocompletethistransaction.”,2020/7/4,国际结算,Bankofchinaanswered：THRUBANKOFCHINANEWYORKBRANCHVIACHIPS(ABANO.0326)FORCREDITOURA/C(UIDNO.138679)。,2020/7/4,国际结算,SWIFTCODE：各银行在SWIFT系统中的代码ABAROUTINGNUMBER和UIDNUMBER参

15、加CHIPS的银行必须向纽约清算所申请，经该所批准后接收为CHIPS会员银行，每个会员银行均有一个美国银行公会号码（AmericanBankersAssociationNumber），即ABA号码，作为参加CHIPS清算时的代号。每个CHIPS会员银行所属客户在该行开立的账户，由清算所发给通用认证号码（UniversalIdentificationNumber），即UID号码，作为收款人（或收款行）的代号。,2020/7/4,国际结算,5.BasisandConditionsofInternationalSettlements,currenciesTradetermsGeneralknowle

16、dgeofbanks,2020/7/4,国际结算,Currencies,2020/7/4,国际结算,Generalknowledgeofbanks,overseassisterbank/branch,sub-branch：联行,2020/7/4,国际结算,correspondentbank:代理行,Correspondentbank:abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.Controldocuments：specimensignature:印鉴样本testkey:密押termsandconditions:费率表SWIFTauthentickey:SWIFT密押,2020/7/4,国际结算,Accountingbank:账户行,Accountingbanks:whenabankopensanaccountinitscorrespondentbank,theyareaccountingbanks.