进出口企业结算.docx

进出口企业结算.docx

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进出口企业结算

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一、

2.Settlementoncommercialcreditusuallyincludespaymentinadvance,openaccount,remittanceandcollection.

3.Settlementsonbankcreditincludeletterofcreditandbankguarantee.

6.Paymentinadvanceismostadvantageoustotheseller.

7.Openaccountisleastadvantageoustotheseller.

8.Collectioncanbedividedintodocumentarycollectionandcleancollection.

二

4.Nostroaccountmeansouraccount.

5.Vostroaccountmeansyouraccount.

6.ToBankofChina,aRMBaccountheldbyBankofEnglandiscalledvostroaccount.

7.IfaBritishbankhasanaccountinPariswithaFrenchbank,itwillrefertothataccountasnostroaccount.

8.Controldocumentsarelistsofspecimenofauthorizedsignatures,telegraphictestkeys,termsandconditionsandSWIFTauthentickey.

三、

1.Ifthepayingbankmaintainstheremittingbank’saccount,thereimbursementmaybeeffectedby.

四、

9.Ifthepayingbankmaintainstheremittingbank’saccount,thereimbursementmaybeeffectedby“Pleasedebitthesumtoouraccountwithyou/Youareauthorizedtodebitthesumtoouraccountwithyou.”

五、

1.Ifthecollectingbankisnotlocatedneartheimporter,itwouldsendthedocumentstoapresentingbankintheimporter’scity.

2.Inadocumentarycollection,thebankactingastheexporter’sagent,regulatesthetimingandsequenceoftheexchangeofgoodsforvaluebyholdingthetitledocumentsuntiltheimportereitherpaysthedraftoracceptstheobligationtodoso.

4.Underdocumentsagainstacceptance,afteracceptance,thebuyergainspossessionofthegoodsbeforethepaymentismadeandisabletodisposeofthegoodsashewishes.

3.Inwardcollectionisabankingbusinessinwhichabankactingasthecollectingbankreceivesthedraftwithorwithoutshippingdocumentsattachedaswellastheinstructionfromabankabroadandendeavorstocollectthepaymentorobtaintheacceptancefromtheimporter.

4.Collectionbillpurchasedinvolvesgreatrisksforremittingbank,sotheyareseldomwillingtodoso.

5.Underdocumentsagainstpaymentatsightthesellerissuesadraft.Thecollectingbankpresentsthedrafttothebuyer.Whenthebuyerseesithemustpaythemoneyatonce,thenhecangettheshippingdocuments.

6.Theremittingbanksendsdocuments,draft,andcollectionordertothecollecting/presentingbankintheimporter’scountrythatnotifiestheimporter.

7.Underdocumentsagainstacceptance,afteracceptance,thebuyergainspossessionofthegoodsbeforepayments.

8.Thecollectingbankauthorizingthereleaseoftitledocumentontrustreceiptmustrealizethatthisfinancingrequiresagreatdegreeofconfidenceinthereputation,honesty,andintegrityofthecustomeractingastrustee.

六、

七、

1.Whenthebeneficiarypresentsthedocumentstohisbank,hemustfollowthe“3Cprinciple”inhisdocumentation,the“3C”representscompleteness,correctness,consistency.

2.Ifaletterofcreditisissuedbyairmail,itoughttobeauthenticatedbyauthorizedsignatureandwhenissuedbycable/telexitisauthenticatedbytestkey.

3.Thedocumentsofthecreditmustbecompliedwiththetermsandconditionsoftheletterofcreditontheonehandandtheymustbeconsistencewitheachotherontheotherhand.

八、

选择

一、

1.Totheexporter,thefastestandsafestmethodofsettlementis.

A.Letterofcredit

B.cashinadvance

C.openaccount

D.banker’sdraft

2.Totheimporter,thefastestandsafestmethodofsettlementis.

A.Letterofcredit

B.cashinadvance

C.openaccount

D.collection

3.Underaletterofcredit,theexportercanreceivethepaymentonlywhen.

A.hehasshippedthegoods

B.hehaspresentedthedocuments

C.thedocumentspresentedcomplywiththecreditterms

D.theimporterhastakendeliveryofthegoods

4.Settlementbydocumentarycreditisfairto.

A.thebanksinvolved

B.thetradingcompaniesconcerned

C.theshippingcompany

D.alloftheabove

5.Anadditionalriskbornebythesellerwhengrantingacredittothebuyeristhatthelatterwillnot.

A.acceptthebill

B.takeupthedocuments

C.takedeliveryofthegoods

D.makepaymentatmaturity

6.isacompromisedmethodbetweenopenaccountandcashinadvance.

A.letterofguarantee

B.remittance

C.treasurybill

D.documentarycollection

7.Whichofthefollowingisbasedoncommercialcredit?

A.Letterofcredit

B.Bankletterofguarantee

C.Collection

D.Insurancepolicy

8.Incredittransactions,thegoodsandthedocumentsaresenttotheimporter.

A.Indifferentways

B.Indifferentdirections

C.Inthesameway

D.Atonetime

9.Indocumentarycollection,afterthegoodshavebeenshipped,theexporterpresentsthedocumentsto.

A.Thecollectingbank

B.Thereimbursingbank

C.Theremittingbank

D.Theopeningbank

10.Theinstructionsforcollectionaremainly.

A.Thosegiveninthecontract

B.Writtenonthebillofexchange

C.Givenbytheimporter

D.Givenbytheexporter

二、

1.FromthepointofviewofaChinesebank,isourbank’saccountinthebooksofanoverseasbank,denominatedinforeigncurrency.

A.Avostroaccount

B.Anostroaccount

C.Amirroraccount

D.Arecordaccount

2.Therearefourmainmethodsofsecuringpaymentininternationaltrade:

paymentunder①documentarycredit,②openaccount,③collection,and④paymentinadvance.Fromanexporter’spointofview,theorderofpreferenceis.

A.①,②,③,④

B.④,③,①,②

C.④,①,③,②

D.②,④,①,③

3.Thecollectionprovidesthesellerwithagreaterdegreeofprotectionthanshippingon.

A.Documentarycredit

B.Banker’sletterofguarantee

C.Banker’sdraft

D.Openaccount

4.Foreigntradecanbeconductedonthefollowingtermsexceptfor.

A.Openaccount

B.Documentarycollection

C.Documentarycredit

D.publicbonds

5.IfBankofChinainstructsBankofAmericatopayasumofUSD1,000,000.00toMidland,itsnostroaccountwillbe.

A.Credited

B.Debited

C.Increased

D.Decreased

三、

1.Thepersonpayingthemoneyisaofacheck.

A.Payee

B.Endorser

C.Drawee

D.endorsee

2.Acheckisvalidformonthsfromthedateofissue,unlessashorterperiodiswrittenonthefaceofit.

A.Six

B.Nine

C.Three

D.one

3.Ifacheckdated1stFeb.,2008waspresentonthe5thNov.,2007,itwouldbe.

A.Pre-dated

B.Outofdate

C.Postdated

D.undated

4.Ifacheckdated1stFeb.,2008waspresentonthe5thOct.,2008,itwouldbe.

A.Pre-dated

B.Outofdate

C.Postdated

D.undated

5.Theeffectofablankendorsementistomakethecheckpayabletothe.

A.Orderofaspecifiedperson

B.Specifiedperson

C.bearer

D.Namedperson

6.Banksusuallyaskforendorsementwhenchecksinfavorofpayeesarecreditedtoaaccount.

A.Jointjoint

B.Jointsole

C.Solejoint

D.Solesolo

7.PayeeJamesSmithendorsed“JamesSmithpaytoL.Green”,thisisaendorsement

A.Special

B.Blank

C.General

D.restrictive

8.Ifabillispayable“60daysafterdate”,thedateofpaymentisdecidedaccordingto.

A.Thedateofacceptance

B.Thedateofpresentation

C.Thedateofthebill

D.Thedateofmaturity

9.Acarriescomparativelylittlerisksandcanbediscountedatthefinestrateofinterest.

A.Sight

B.Bankdraft

C.Commercialbill

D.Tradebill

10.Atermbillmaybeacceptedbythe.

A.Drawer

B.Drawee

C.Holder

D.Payee

11.Thepartytowhomthebillisaddressediscalledthe

A.Drawer

B.Drawee

C.Holder

D.Payee

12.Whenfinancingiswithoutrecourse,thismeansthatthebankhasnorecoursetotheifsuchdraftaredishonored.

A.Payer

B.Drawee

C.Payee

D.Drawer

13.Apromissorynoteis“inchoate”untilithasbeendelivertothe.

A.Payerorbearer

B.Payeeordrawee

C.Payeeorbearer

D.Holderordrawer

14.Theofapromissorynotehasprimeliabilitywhiletheotherpartieshavesecondaryliability.

A.Holder

B.Drawee

C.Maker

D.Acceptor

15.Anacceptancewiththewording“payableondeliveryofbilloflading”is.

A.Ageneralacceptance

B.Qualifiedacceptance

C.Nonacceptance

D.Partialacceptance

16.Mustbeacceptedbythedraweebeforepayment.

A.Asightbill

B.Abillpayablexxdaysaftersight

C.Apromissorynote

D.Abillpayablexxdaysafterdate

17.A（n）isafinancialdocument.

A.Billofexchange

B.Billoflading

C.Insurancepolicy

D.Commercialinvoice

18.Inordertoretaintheliabilitiesofotherparities,abillthathasbeendishonoredmustbe.

A.Protested

B.Giventotheacceptor

C.Retainedinthefiles

D.Presentedtotheadvisingbank

19.“AcheckpayabletoABCcompanyiscreditedtothepersonalaccountofMr.Li”,thebank.

A.Iscorrectincreditingtheaccount

B.Ismerelydoingwhatisrequestedbyitscustomer

C.Hascommittedanactofnegligence

D.Willmakeaclaimonitsprincipal

四、

1、Apaymentorder,mailadviceorcreditadvice/pleasedebitadviceisanauthenticatedorderinwritingaddressedbyonebanktoanotherinstructingthelattertopayasumcertaininmoneytoaspecifiedpersonora____________namedthereon.

A.bank

B.beneficiary

C.remitter

D.acceptor

2.T和onlymeansofauthenticatingacabletransferisthe____________.

A.SWIFTauthentickey

B.paymentorder

C.testkey

D.authorizedsignatures.

3._______isoftenusedwhentheclientwantstotransferthefundstohisbeneficiaryhimself.

A.Demanddraft

B.Mailtransfer

C.Telegraphictransfer

D.RemittancebySWIFT.

4.Ifthepayingbankopensacurrentaccountwiththeremittingbank,thereimbursementmaybeeffectedby__________.

A.instructingthepayingbanktoclaimreimbursementfromanotherbranchofthesamebankoranotherbankwithwhichtheremittingbankopensanaccount

B.debitingremittingba