国际结算.docx
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国际结算
Translation
1.无追索权的withoutrecourse
2.投标保函TenderGuarantee
3.备用信用证stand-bycredit
4.托收出口押汇collectionbillpurchased
5.善意持票人bona-fideholder
6.信托收据Trustreceipt
7.承兑交单documentsagainstacceptance
8.拒付通知noticeofdishonor
9.循环信用证RevolvingCredit
10.空白背书blankendorsement
1.Acceptanceforhonor参加承兑
2.Aftersight见票即付
3.Shortformbilloflading简式提单
4.Mailremittance信汇
5.Countermandofpayment止付
6.Clearingbank清算银行
7.Proformainvoice形式发票
8.Subsequentholder后手
9.Disclosedfactoring公开保理
10.Shippingmark唛头
1.CIF到岸价
2.Advancepayment预付款
3.Correspondentbank代理银行
4.Testkey密押
5.Confirmedletterofcredit保兑信用证
6.Subsequentendorser后手
7.Directguarantee直接担保
8.Deferredcredit延期付款信用证
9.Insurancecertificate保险证书，小保单
10.Cleanbilloflading清洁提单
1.原产地证书certificateoforiginal
2.经常账户currentaccount
3.金融单据financialdocument
4.参加承兑人acceptorforhonor
5.商业发票commercialinvoice
6.承兑交单documentsagainstacceptance
7.账户关系
8.贷记通知creditadvice
9.电汇telegraphictransfer
10.银行信用thereputationofthebank
MultipleChoice
1.IfbankofchinainstructsbankofAmericatopayasumofUSD1,000,000.00toMidland,itsnostroaccountwillbe
A.credited
B.debited
C.increased
D.decreased
Nostroaccount往账，我行在他行开立的存款账户
2.ifabillispayable“60daysafterdate”,thedateofpaymentiddecidedaccordingto
A.thedateofacceptance
B.thedateofpresentation
C.thedateofthebill
D.thedateofmaturity
Atdays/month（s）afterdate
出票后若干天、月付款
3.A（n）______isafinancialdocument.
A.billofexchange
B.billoflading
C.insurancepolicy
D.commercialinvoice
“FinancialDocuments”meansbillsofexchange,promissorynotes,cheques,orothersimilarinstrumentsusedforobtainingthepaymentofmoney.
“CommercialDocuments”meansinvoices,transportdocumentsoftitleorothersimilardocuments,oranyotherdocumentswhatsoever,notbeingfinancialdocuments.
4.Thepartytowhomthebillisaddressediscalledthe______
A.drawer
B.drawee
C.payee
D.drawer
5.Totheimporter,thefastestandsafestmethodofsettlementis
A.letterofcredit
B.cashinadvance
C.openaccount
D.collection
Openaccountbusiness赊账业务
PaymentafterArrivaloftheGoodswhichisadoptedininternationaltradeisusuallyeffectedbyremittancetoo,andisadvantageoustoimporter
6.Whichofthefollowingisbasedoncommercialcredit?
A.letterofcredit
B.bankletterofguarantee
C.collection
D.insurance
7.Whichtypeofcollectionoffersgreatestsecuritytotheexporter?
A.Documentsagainstacceptance
B.Documentsagainstpayment
C.Cleancollection
D.AcceptanceD/P
8.Theprincipalisgenerallythecustomerofabankwhopreparesdocumentationandsubmitsthemtothe_____bankwithacollectionorderforpaymentfromthebuyer（drawee）.
A.remitting
B.collecting
C.presenting
D.correspondent
9.Aletterofcreditis_______
A.aformalguaranteeofpayment
B.aconditionalundertakingtomakepayment
C.anunconditionalundertakingtomakepayment
D.atwobankguaranteeofpayment
Thedocumentarycredit跟单信用证orletterofcreditisanundertaking（保证）issuedbyabankfortheaccountofthebuyer（theapplicant）orforitsownaccount,topaythebeneficiarythevalueofthedraftand/ordocumentsprovidedthatthetermsandconditionsofthedocumentarycreditarecompliedwith完全符合.
10.FromthepointofviewofaChinese,_____isourbank’saccountinthebooksofanoverseasbank,denominatedinforeigncurrency.
A.avostroaccount
B.anostroaccount
C.amirroraccount
D.arecordaccount
11.Ifabillispayable“120daysafterdate”,thedateofpaymentiddecidedaccordingto
A.thedateofacceptance
B.thedateofpresentation
C.thedateofthebill
D.thedateofmaturity
12.A（n）_____isacommercialdocument.
A.billofexchange
B.billoflading
C.promissorycheck
D.check
“FinancialDocuments”meansbillsofexchange,promissorynotes,cheques,orothersimilarinstrumentsusedforobtainingthepaymentofmoney.
“CommercialDocuments”meansinvoices,transportdocumentsoftitleorothersimilardocuments,oranyotherdocumentswhatsoever,notbeingfinancialdocuments.
13.Thepartytowhomthebillisaddressediscalledthe_____
A.drawer
B.drawee
C.payee
D.payer
14.Whichofthefollowingisbasedonbanker’scredit?
A.Letterofcredit
B.D/P
C.D/A
D.T/T
15._____isacompromisedmethodbetweenopenaccountandcashinadvance.
A.Letterofguarantee
B.remittance
C.treasurybills
D.Documentarycollection
16.Thevariousmethodsofsettlementallinvolvethesamebookkeeping记账.Theonly
Differenceis
A.themethodbywhichtheoverseasbankisadvisedaboutthetransfer
B.themethodbywhichthebeneficiaryisadvisedaboutthetransfer
C.thespeed
D.thebeneficiary
17.IfaLondonBankmakesapaymenttoacorrespondentabroad,_____
A.itwillremitthesumabroad
B.theforeignbank’svostroaccountwillbecredited
C.theLondonbank’snostroaccountwillbecredited
D.eitherAorB
18.Whichtypeofcollectionoffersthegreatestsecuritytotheimporter?
A.Documentsagainstacceptance
B.Documentsagainstpayment
C.Cleancollection
D.AcceptanceD/P
19.Theprincipalisgenerallythecustomerofabankwhopreparesdocumentationandsubmitsthemtothe_____bankwithacollectionorderforpaymentfromthebuyer（drawee）.
A.remitting
B.collecting
C.presenting
D.correspondent
20.IfthecreditstipulatesshipmentonoraboutDecember18,2012,thenthedateofonboardbillofladingmaybe_____
A.December28,2012
B.December12,2012
C.December18,2012
D.BorC
1.Pleasestatethesimplifiedremittancediagram
2.Pleasestatethedifferencebetweendocumentsagainstpaymentanddocumentsagainstacceptance
3.PleasestatethesimplifiedD/Adiagram
4.Pleaseillustratesthedocumentsagainstpaymenttransactionflow.
5.Comparewiththeback-to-backL/CandtransferableL/C,explaintheirsimilarityanddifference
Similarities:
1.Bothofthemhavemiddlemenandsecondbeneficiaries.Andmiddlemancangetpricedifferencebykeepingbusinesssecrets.
2.Middlemenbearthecost.
3.Theamount,unitcost,shipmentdateonlettersofcreditcanbeamendedbymiddlemen.
Differences:
1.TransferableL/Cinvolvesanapplicant,aissuingbank,aletterofcreditwhileback-to-backL/Cinvolvestwoapplicants,twoissuingbanks,twolettersofcredit.
2.Transferablecredit:
theoriginalissuingbanktakesresponsibilityforthecredit
Back-to-backcredit:
theoriginalissuingbankdoesn’ttakeresponsibilityforthenewcredit.
3.Transferablecredit:
thecreditcan’tbetransferredwithouttheexpresscontentof
issuingbank.
Back-to-backcredit:
thenewcreditcanbeopenedbymiddlemenwithouttheoriginalbank’sconsentandevenwithoutpriornoticetotheoriginalbank
4.Transferablecredit:
themiddlemanbecomesthefirstbeneficiaryfromthebeneficiary
Back-to-backcredit:
themiddlemanbecomestheapplicantfromthebeneficiary.
6.Explaintheroleofcommercialinvoices
1.The commercial invoice is the key accounting document describing the commercial transaction between the buyer and the seller. It is a document giving details of goods, service, price, quantity, settlement terms and shipment.
2.It make it is convenient for importers to check whether the delivered goods is corresponded to the contract.
3.It can be viewed as accounting basis for importers and exporters.
4.It can be basis of calculating customs duty for export place and import place.
mercial invoice can be used to be the basis of payment to take the place of draft.
（1）商业发票是全部单据的中心，是出口商装运货物并表明是否履约的总说明。
（2）便于进口商核对已发货物是否符合合同条款的规定。
（3）作为出口商和进口商记帐的依据。
（4）在出口地和进口地作为报关缴税的计算依据。
（5）在不用汇票的情况下，发票替代汇票作为付款的依据。
7.ComparewiththeStandbyL/CandL/G,explaintheirsimilarityanddifference
Similarities:
1.Theybothhavestandbycharacteristics.
2.Whenpresentdocuments,theybothneedtopresentclaimsstatement.
Differences:
1.L/GandstandbyL/Carerestrictedbydifferencesinternationalconventions.
L/G’sinternationalconventionis<>
StandbyL/C’sconventionis<>.
1.Accordingto<>,therightofclaimforthebeneficiaryundertheL/Gitemsisnon-transferable,whiletherearesomeprovisionandclausesabouttransferablerightsin<>,whichmeansthatstandbyL/Cisallowedtotransfer,.
2.L/Ghascounterguaranteetoguarantee,whilestandbyL/Chasnosuchitems.
3.TheobligationofL/GisPrimaryobligationorsecondaryobligation,whilestandbyL/Calwayshasprimaryobligation.
相同之处：
1、两者都是备用性质的。
2、在要求提交的单据方面，都要求提交索偿声明。
不同之处：
首先，保函与备用证受到不同的国际惯例的约束。
保函的国际惯例有《见索即付保函统一规则》（国际商会458号出版物）。
备用证的国际惯例如前所介绍是《国际备用证惯例ISP98》。
其次，《见索即付保函统一规则》（国际商会458号出版物）规定保函项下受益人索赔的权利不可转让；而《国际备用证惯例ISP98》中订有备用证受益人的提款权利转让办法的有关条款，意味了备用证是允许转让的。
第三，保函有反担保作保证。
备用证方式下无此项目。
第四，保函有负第一性付款责任的，也有负第二性付款责任的，而备用信用证总是负第一性付款责任的。
8.PleasestatethedifferencebetweenDraftandCheck
1.Abillofexchangemaybepayableatsightoratfutureday，checkmustbepaidatsight
2.Abillofexchangemaybedrawnuponanyperson,whereasacheckmustbedrawnuponabanker.
3.Unlessabillispayableondemand,itisusuallyaccepted,whereupontheacceptoristheprimarilyliableparty.Acheckneednotbeacceptedforitispayableonlyondemandandthedraweristhepartyprimarilyliable.
4.Abillmustbepresentedforpaymentwhendue,orelsethedrawerwillbedischarged.Acheckmustbepresentedforpaymentwithinareasonabletimeorwithinacertaintime.Suchas30daysaccordingtotheregulationsofthecountryconcerned.Thedrawe
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