Chapter4国际结算业务

1、Chapter 4 国际结算业务 背对背跟单信用证背对背跟单信用证 代收行；收款行代收行；收款行 承兑交单或付款交单承兑交单或付款交单 可转让跟单信用证可转让跟单信用证 通知行通知行 汇款，汇付汇款，汇付 拒付通知拒付通知 议付跟单信用证议付跟单信用证 托收委托书托收委托书 跟单信用证跟单信用证 开证行开证行 跟单托收跟单托收 不可撤销保兑跟单信用证不可撤销保兑跟单信用证 议付行议付行托收行，委托行；汇款行，托收行，委托行；汇款行， 汇出行汇出行 汇入行汇入行 电汇和票汇电汇和票汇2010年7月1Classify the above technical terms in Column A in

2、to the following three categories.Note: 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、3、8、10、12、15、Words & 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 r

3、eceiving 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

4、.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 Ind

5、emnity 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 set

6、tlement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 t

7、o 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

8、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

9、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在信用证加具保兑后，必须承担付款或议付的责任。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

10、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

11、 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 advisin

12、g 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 advi

13、sing bank to the beneficiary. Continue Continue Back Back Irrevocable Letter of CreditUnconfirmed Documentary Letter of CreditPayment Documentary Letter of CreditSight Documentary Letter of CreditClean Letter of CreditContinueContinue Transferable Documentary Letter of CreditBack-to-Back Documentary

14、 Letter of CreditStandby Letter of CreditAnticipatory Letter of Credit (Red Clause Credit)Reciprocal Letter of CreditRevolving Letter of CreditContinueContinue T r y t o d e s c r i b e t h e procedure of an L/C b u s i n e s s i n g r o u p s according to the given flow chart. Back Back ImporterIss

15、uing 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 documentsShipp

16、ing CompanyFlow Chart of the Procedure for L/C Business: Back Back Role-play a conversation in pairs according to the situation and tasks given below.Back Back 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

17、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

18、 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:JohnsonDetai

19、led 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

20、 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 issuan