InternationalSettlements授課教師:李歡麗InternationalSettlements授課教師:1

1.1.Welcome!1.1.Welcome!21.2.AbouttheteacherName:李歡麗(Ashley)E-mailAdd:Ashley0708@QQ:52096307Office:1419Officetime:8:00am-4:30pmTelephone:372151971.2.AbouttheteacherName:李歡麗31.3.CourseOverview

1.3.CourseOverview4Part1:FinancialInstruments

1)billofexchange2)promissorynote3)checkmoney?FunctionsandActsoffinancialinstrumentswillbediscussedtherelativelawsconcerningthefinancialinstrumentwillbeintroduced.Part1:FinancialInstruments5QuestionHowmanypartieswillbeinvolvedininternationaltrade?BuyerSellerBuyer’sbankSeller

’sbankQuestionHowmanypartieswill6Part2:IntrnationalSettlementMethods1)Remittance:byT/T電匯byM/T信匯byD/D票匯2)Collection:ByD/Patsight即期付款交單ByD/Paftersight遠(yuǎn)期付款交單ByD/A承兌交單Part2:IntrnationalSettlement7

3)LetterofCredit

3)LetterofCredit8Question1.settlementoncommercialcredit基于商業(yè)信用的結(jié)算2.settlementonbankcredit基于銀行信用的結(jié)算Ifyouarethebuyer/seller,whichsettlementmethodwillbeyourfavorite?Question1.settlementoncomme9Part3,Thedocumentsunderletterofcredit

1)commercialinvoice2)transportdocuments:B/L3)insurancedocumentsGoods?Part3,Thedocumentsunderle101.3.CourseOverview1.3.CourseOverview111.4.Schedule①1周:課程簡介,國際結(jié)算概述②2-4周:信用工具③5-6周:國際銀行匯兌④7,8,9周:托收結(jié)算方式⑤10-15：信用證結(jié)算方式⑥16-17：信用證下的單據(jù)⑦期末復(fù)習(xí)1.4.Schedule①1周:課程簡介,國際結(jié)算概述121.5Reference1.課本(1)蘇宗祥,《國際結(jié)算》，中國金融出版社(附全英文練習(xí)及答案);(2)張燕玲,《國際結(jié)算業(yè)務(wù)指南》，中國工商聯(lián)合出版社(3)<美>愛德華.G.辛克爾曼,顧繼紅,周林譯,《國際結(jié)算》，經(jīng)濟科學(xué)出版社(4)高程德，《國際票據(jù)管理》，北京大學(xué)出版社(5)《票據(jù)結(jié)算與托收法律風(fēng)險防范》2.網(wǎng)站(1)/(2)/(3)/(4)/(5)/(6)/3.雜志(1)對外經(jīng)貿(mào)實務(wù),武漢(2)中國外匯管理1.5Reference131.6Theobjectivesofthecourse.UnderstandthetermsandconnectionsamongdifferenttermsGraspthediagramofeachsettlementmethodCanfill/telex/faxandexaminetheapplication,letter,cable,SWIFT,etc.Understandinternationalcustomsandpracticeforinternationalsettlements.1.6Theobjectivesofthecour14

Thankyou!

Isincerelyhopethatyouputforwardsomecriticismandvaluablesuggestions.

Thankyou!Isincerelyho15第一章序論：國際結(jié)算簡介第一章序論：國際結(jié)算簡介16

1.1.Definition定義1.2.Evolution演變1.3.Characteristics性質(zhì)1.4.MajorPointsConcerning應(yīng)注意的主要問題1.5.CorrespondentBankingRelationship代理行關(guān)系1.1.Definition定義172.1.Definition

國際結(jié)算是國際間由于經(jīng)濟、文化、科技交流而產(chǎn)生的以貨幣表示的債權(quán)債務(wù)的清償行為。

2.1.Definition國際結(jié)算是18指以①銀行為中介進行②國際間資金調(diào)撥，以結(jié)算位于不同國家和地區(qū)之間的兩個或兩個以上當(dāng)事人間債權(quán)債務(wù)的一種活動。幣種?如何產(chǎn)生?流程?指以①銀行為中介進行②國際間資金調(diào)撥，以結(jié)算位于不同國家和地19Importer/BuyerExporter’sbankFundsGoods/commoditiesExporter/SellerImporter’sbank①國際結(jié)算基本流程ShippingCo.instrumentsFundsdocumentsGoodsImporter/Exporter’sFundsGoods20國際通用貨幣完全可自由兌換的貨幣有限自由兌換的貨幣完全不可自由兌換的貨幣????2.如何選擇幣種?國際通用完全有限自由完全????2.如何選擇幣種?21Currency1.currencyoftheexporter’scountry:______2.currencyoftheimporter’scountry:______3.currencyofathirdcountry:GBP

PrincipleforInternationalsettlementsEachcurrencyisclearedwithintheboundaryoftheissuingcountry.任何貨幣的清算都必須在該貨幣發(fā)行國ACo.(exporter)USABCo.(importer)JapanChemicalBankUSASumitomoBankJapanCurrencyPrinciplefo22(1)Convertiblecurrencyoftheexporter’scountry(2)Convertiblecurrencyoftheimporter’scountry(3)Convertiblecurrencyofathirdcountry既要考慮到兌換性,又要考慮到安全性.如果是第三國的貨幣,選軟貨幣,還是硬幣?(1)Convertiblecurrencyofth23

Mostinternationalsettlementsoriginatefromtransactionintheworldtrade.Howmanyinternationaltransactionscanyoulist?3.債權(quán)債務(wù)是如何產(chǎn)生的呢?Mostinternationalsettlement24

經(jīng)常項目:1.visibletrade有形貿(mào)易2.invisibletrade無形貿(mào)易:patent專利copyrightcontract版權(quán)合同technologytransfer技術(shù)轉(zhuǎn)讓3.others1)overseasremittances海外匯款

2)educationalexpenses教育開支3)inheritances遺產(chǎn)繼承資本和金融項目:financialtransaction金融交易?foreignexchangemarkettransactions金融市場交易?exportcredits出口信貸?syndicatedloans辛迪加貸款?internationalbond國際債券經(jīng)常項目:25經(jīng)常賬戶/經(jīng)常項目CurrentAccount1.貨物和服務(wù)Goods&Servicea.貨物Goods有形貿(mào)易貿(mào)易結(jié)算b.服務(wù)Serviced無形貿(mào)易非貿(mào)易結(jié)算2.收入Income3.經(jīng)常轉(zhuǎn)移CurrentTransfer/UnilateralCurrentTransfer資本和金融賬戶CapitalandFinancialAccount1.資本賬戶CapitalAccount2.金融賬戶FinancialAccount(1)直接投資DirectInvestment(2)間接投資IndirectInvestment(3)證券投資PortfolioInvestment(4)其它投資OtherInvestment

國際儲備InternationalReserve凈誤差與遺漏NetError&Omission160,818,31162.963,91658,862,124經(jīng)常賬戶/經(jīng)常項目CurrentAccount1.貨物和服261.2.Evolution演變1.2.1從現(xiàn)金結(jié)算演變?yōu)榉乾F(xiàn)金結(jié)算1.2.2商品買賣發(fā)展到單據(jù)買賣1.2.3從買賣雙方直接結(jié)算發(fā)展到買賣通過銀行結(jié)算

1.2.Evolution演變1.2.1從現(xiàn)金結(jié)算演27Bartertransaction6centuryB.C.5centuryB.C.coinsbarsbullionsPreciousmetals13centuryA.D.Barter6century5centuryc28BillofexchangeForeignexchangebank13centuryA.D.endof18centuryA.D.ForeignexchangemarketBillofexchangeForeignexchan291.3.Characteristicsofthemoderninternationalsettlements1、國際結(jié)算中的非信用證結(jié)算方式正取代信用證結(jié)算方式。（買方市場）2、國際結(jié)算單據(jù)日趨多樣化、復(fù)雜化。3、國際結(jié)算走向電子化、標(biāo)準(zhǔn)化，提高了結(jié)算效率。4、國際貿(mào)易結(jié)算的法律規(guī)范日益健全，國際慣例、公約在結(jié)算中起著重要作用。1.3.Characteristicsofthemo30DomesticSettlement

InternationalsettlementssettlementInternationalTradeSettlementInternationalNon-TradeSettlementInstrumentsMethodsDocumentsRulesExchangeMainmethodsOthermethodsbasicAdditionalPromissorynoteCheckRemittanceLetterofcreditCollectionFactoringLetterofguaranteeForfeitingStandbyletterofcreditInvoiceBillofLadingInsurancedocumentsPackinglistWeightmemoCertificateofOriginal

AllkindsofCertificatesURGUCPURCExperimentalbookP1DomesticSettlementInternatio311.4

CorrespondentBankingRelationship1.4.1Definitionofcorrespondentbank代理行Abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.Thebankmayopendepositaccountswith,andentrustbusinesstoeachotheronareciprocalbasis.互惠的,相應(yīng)的1.4CorrespondentBankingRel32Whenselectingabankasacorrespondentbank,whatfactorsshouldbetakenintoaccount?⑴Thereputationofthebank;銀行資信⑵Sizeofthebank;規(guī)模⑶Locationofthebank;位置⑷Servicesofferedbythebank;服務(wù)⑸Fundamentalpoliciesandstrengthofthebank;基本政策和優(yōu)勢⑹Physicalfeaturesandpersonnel;特點及員工⑺Momentumofearlystart,etc.發(fā)展勢頭Whenselectingabankasacor33AgencyarrangementControldocumentsHowtoestablishacorrespondentrelationshipbetweentwobanks?AgencyarrangementControldocu341.4

CorrespondentBankingRelationship1.4.2ControlDocuments控制文件?Listsofspecimenofauthorizedsignatures印鑒往來信函的核對?Telegraphictestkeys密押往來電文的核對?Termsandconditions費率表收費標(biāo)準(zhǔn)?SWIFTauthentickey驗證碼1.4CorrespondentBankingRel352.4

CorrespondentBankingRelationship2.4.3Inter-bankaccount（1）Nostro往賬我行在它行開立的存款賬戶。2.4CorrespondentBankingRel36（2）Vostroaccount來賬它行在我行開立的存款賬戶。（2）Vostroaccount來賬37Nostroaccount:istheforeigncurrencyaccount(duefromaccount)ofamajorbankwiththeforeignbanksabroadtofacilitateinternationalsettlements.FromthepointofBankofChina,anostroaccountisourbank’saccountinthebooksofanoverseasbank,denominatedinforeigncurrency.USDAccountBankofNewYorkBankofChina往賬Nostroaccount:istheforeign38Vostroaccount:isthedomesticcurrencyaccount(duetoaccount)heldbyabankonbehalfofacorrespondentbank.FromthepointofviewofBankofChina,avostroaccountisanoverseasbank’saccountwithus,denominatedinRMB.BankofChinaHongkongandShanghaiBankingCorporation,Ltd.,HongKongRMBAccount來賬Vostroaccount:isthedomesti39ABankBBankCurrenta/cXXXBBank’scurrencyA/CXXXisABank’s__________________a/c,isBBank’s______________a/c.ABankBBankCurrenta/cXXXB40ABankBBankCurrenta/cXXXABank’scurrencyA/CXXXisABank’s__________________a/c,isBBank’s______________a/c.現(xiàn)金賬戶ABankBBankCurrenta/cXXXA41DepositorBankCurrenta/cXXXDepositorBankCurrenta/cXXXDepositoryBank賬戶行開戶行存款客戶賬戶行DepositorBankCurrenta/cXXXDe42(2)Samplesofreimbursementmethods?Incover,wehavecreditedthesumtoyouraccountwithus.?Pleasedebit

thesumtoouraccountwithyou.?Incover,wehaveauthorizedThebankofTokyo,NewYorktodebitouraccountandcredityouraccountwiththem.?Incover,pleasereimburseyourselvestothedebitingofouraccountwithTheBankofTokyo,NewYork.貸記借記頭寸accountingbankcorrespondentbank(2)Samplesofreimbursementm431.4

CorrespondentBankingRelationship1.4.4Servicesprovidedbycorrespondents(1)Collectingchecks,drafts,andothercreditinstruments;(2)Makingloanorinvestmentsasagentfortheircustomerbanks;(3)Makingcreditinvestigationsoffirmsthatborrowintheopenmarket;(4)Providingbankswithforeignexchangefacilities,includingcommercialandtraveler’schecks;(5)Providingbankswithfunds/loansincaseofneed.1.4CorrespondentBankingRel44InternationalSettlements授課教師:李歡麗InternationalSettlements授課教師:45

1.1.Welcome!1.1.Welcome!461.2.AbouttheteacherName:李歡麗(Ashley)E-mailAdd:Ashley0708@QQ:52096307Office:1419Officetime:8:00am-4:30pmTelephone:372151971.2.AbouttheteacherName:李歡麗471.3.CourseOverview

1.3.CourseOverview48Part1:FinancialInstruments

1)billofexchange2)promissorynote3)checkmoney?FunctionsandActsoffinancialinstrumentswillbediscussedtherelativelawsconcerningthefinancialinstrumentwillbeintroduced.Part1:FinancialInstruments49QuestionHowmanypartieswillbeinvolvedininternationaltrade?BuyerSellerBuyer’sbankSeller

’sbankQuestionHowmanypartieswill50Part2:IntrnationalSettlementMethods1)Remittance:byT/T電匯byM/T信匯byD/D票匯2)Collection:ByD/Patsight即期付款交單ByD/Paftersight遠(yuǎn)期付款交單ByD/A承兌交單Part2:IntrnationalSettlement51

3)LetterofCredit

3)LetterofCredit52Question1.settlementoncommercialcredit基于商業(yè)信用的結(jié)算2.settlementonbankcredit基于銀行信用的結(jié)算Ifyouarethebuyer/seller,whichsettlementmethodwillbeyourfavorite?Question1.settlementoncomme53Part3,Thedocumentsunderletterofcredit

1)commercialinvoice2)transportdocuments:B/L3)insurancedocumentsGoods?Part3,Thedocumentsunderle541.3.CourseOverview1.3.CourseOverview551.4.Schedule①1周:課程簡介,國際結(jié)算概述②2-4周:信用工具③5-6周:國際銀行匯兌④7,8,9周:托收結(jié)算方式⑤10-15：信用證結(jié)算方式⑥16-17：信用證下的單據(jù)⑦期末復(fù)習(xí)1.4.Schedule①1周:課程簡介,國際結(jié)算概述561.5Reference1.課本(1)蘇宗祥,《國際結(jié)算》，中國金融出版社(附全英文練習(xí)及答案);(2)張燕玲,《國際結(jié)算業(yè)務(wù)指南》，中國工商聯(lián)合出版社(3)<美>愛德華.G.辛克爾曼,顧繼紅,周林譯,《國際結(jié)算》，經(jīng)濟科學(xué)出版社(4)高程德，《國際票據(jù)管理》，北京大學(xué)出版社(5)《票據(jù)結(jié)算與托收法律風(fēng)險防范》2.網(wǎng)站(1)/(2)/(3)/(4)/(5)/(6)/3.雜志(1)對外經(jīng)貿(mào)實務(wù),武漢(2)中國外匯管理1.5Reference571.6Theobjectivesofthecourse.UnderstandthetermsandconnectionsamongdifferenttermsGraspthediagramofeachsettlementmethodCanfill/telex/faxandexaminetheapplication,letter,cable,SWIFT,etc.Understandinternationalcustomsandpracticeforinternationalsettlements.1.6Theobjectivesofthecour58

Thankyou!

Isincerelyhopethatyouputforwardsomecriticismandvaluablesuggestions.

Thankyou!Isincerelyho59第一章序論：國際結(jié)算簡介第一章序論：國際結(jié)算簡介60

1.1.Definition定義1.2.Evolution演變1.3.Characteristics性質(zhì)1.4.MajorPointsConcerning應(yīng)注意的主要問題1.5.CorrespondentBankingRelationship代理行關(guān)系1.1.Definition定義612.1.Definition

國際結(jié)算是國際間由于經(jīng)濟、文化、科技交流而產(chǎn)生的以貨幣表示的債權(quán)債務(wù)的清償行為。

2.1.Definition國際結(jié)算是62指以①銀行為中介進行②國際間資金調(diào)撥，以結(jié)算位于不同國家和地區(qū)之間的兩個或兩個以上當(dāng)事人間債權(quán)債務(wù)的一種活動。幣種?如何產(chǎn)生?流程?指以①銀行為中介進行②國際間資金調(diào)撥，以結(jié)算位于不同國家和地63Importer/BuyerExporter’sbankFundsGoods/commoditiesExporter/SellerImporter’sbank①國際結(jié)算基本流程ShippingCo.instrumentsFundsdocumentsGoodsImporter/Exporter’sFundsGoods64國際通用貨幣完全可自由兌換的貨幣有限自由兌換的貨幣完全不可自由兌換的貨幣????2.如何選擇幣種?國際通用完全有限自由完全????2.如何選擇幣種?65Currency1.currencyoftheexporter’scountry:______2.currencyoftheimporter’scountry:______3.currencyofathirdcountry:GBP

PrincipleforInternationalsettlementsEachcurrencyisclearedwithintheboundaryoftheissuingcountry.任何貨幣的清算都必須在該貨幣發(fā)行國ACo.(exporter)USABCo.(importer)JapanChemicalBankUSASumitomoBankJapanCurrencyPrinciplefo66(1)Convertiblecurrencyoftheexporter’scountry(2)Convertiblecurrencyoftheimporter’scountry(3)Convertiblecurrencyofathirdcountry既要考慮到兌換性,又要考慮到安全性.如果是第三國的貨幣,選軟貨幣,還是硬幣?(1)Convertiblecurrencyofth67

Mostinternationalsettlementsoriginatefromtransactionintheworldtrade.Howmanyinternationaltransactionscanyoulist?3.債權(quán)債務(wù)是如何產(chǎn)生的呢?Mostinternationalsettlement68

經(jīng)常項目:1.visibletrade有形貿(mào)易2.invisibletrade無形貿(mào)易:patent專利copyrightcontract版權(quán)合同technologytransfer技術(shù)轉(zhuǎn)讓3.others1)overseasremittances海外匯款

2)educationalexpenses教育開支3)inheritances遺產(chǎn)繼承資本和金融項目:financialtransaction金融交易?foreignexchangemarkettransactions金融市場交易?exportcredits出口信貸?syndicatedloans辛迪加貸款?internationalbond國際債券經(jīng)常項目:69經(jīng)常賬戶/經(jīng)常項目CurrentAccount1.貨物和服務(wù)Goods&Servicea.貨物Goods有形貿(mào)易貿(mào)易結(jié)算b.服務(wù)Serviced無形貿(mào)易非貿(mào)易結(jié)算2.收入Income3.經(jīng)常轉(zhuǎn)移CurrentTransfer/UnilateralCurrentTransfer資本和金融賬戶CapitalandFinancialAccount1.資本賬戶CapitalAccount2.金融賬戶FinancialAccount(1)直接投資DirectInvestment(2)間接投資IndirectInvestment(3)證券投資PortfolioInvestment(4)其它投資OtherInvestment

國際儲備InternationalReserve凈誤差與遺漏NetError&Omission160,818,31162.963,91658,862,124經(jīng)常賬戶/經(jīng)常項目CurrentAccount1.貨物和服701.2.Evolution演變1.2.1從現(xiàn)金結(jié)算演變?yōu)榉乾F(xiàn)金結(jié)算1.2.2商品買賣發(fā)展到單據(jù)買賣1.2.3從買賣雙方直接結(jié)算發(fā)展到買賣通過銀行結(jié)算

1.2.Evolution演變1.2.1從現(xiàn)金結(jié)算演71Bartertransaction6centuryB.C.5centuryB.C.coinsbarsbullionsPreciousmetals13centuryA.D.Barter6century5centuryc72BillofexchangeForeignexchangebank13centuryA.D.endof18centuryA.D.ForeignexchangemarketBillofexchangeForeignexchan731.3.Characteristicsofthemoderninternationalsettlements1、國際結(jié)算中的非信用證結(jié)算方式正取代信用證結(jié)算方式。（買方市場）2、國際結(jié)算單據(jù)日趨多樣化、復(fù)雜化。3、國際結(jié)算走向電子化、標(biāo)準(zhǔn)化，提高了結(jié)算效率。4、國際貿(mào)易結(jié)算的法律規(guī)范日益健全，國際慣例、公約在結(jié)算中起著重要作用。1.3.Characteristicsofthemo74DomesticSettlement

InternationalsettlementssettlementInternationalTradeSettlementInternationalNon-TradeSettlementInstrumentsMethodsDocumentsRulesExchangeMainmethodsOthermethodsbasicAdditionalPromissorynoteCheckRemittanceLetterofcreditCollectionFactoringLetterofguaranteeForfeitingStandbyletterofcreditInvoiceBillofLadingInsurancedocumentsPackinglistWeightmemoCertificateofOriginal

AllkindsofCertificatesURGUCPURCExperimentalbookP1DomesticSettlementInternatio751.4

CorrespondentBankingRelationship1.4.1Definitionofcorrespondentbank代理行Abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.Thebankmayopendepositaccountswith,andentrustbusinesstoeachotheronareciprocalbasis.互惠的,相應(yīng)的1.4CorrespondentBankingRel76Whenselectingabankasacorrespondentbank,whatfactorsshouldbetakenintoaccount?⑴Thereputationofthebank;銀行資信⑵Sizeofthebank;規(guī)模⑶Locationofthebank;位置⑷Servicesofferedbythebank;服務(wù)⑸Fundamentalpoliciesandstrengthofthebank;基本政策和優(yōu)勢⑹Physicalfeaturesandpersonnel;特點及員工⑺Momentumofearlystart,etc.發(fā)展勢頭Whenselectingabankasacor77AgencyarrangementControldocumentsHowtoestablishacorrespondentrelationshipbetweentwobanks?AgencyarrangementControldocu781.4

CorrespondentBankingRelationship1.4.2ControlDocuments控制文件?Listsofspecimenofauthorizedsignatures印鑒往來信函的核對?Telegraphictestkeys密押往來電文的核對?Termsandconditions費率表收費標(biāo)準(zhǔn)?SWIFTauthentickey驗證碼1.4CorrespondentBankingRel792.4

CorrespondentBankingRelationship2.4.3Inter-bankaccount（1）Nostro往賬我行在它行開立的存款賬戶。2.4CorrespondentBankingRel80（2）Vostroaccount來賬它行在我行開立的存款賬戶。（2）Vostroaccount來賬81Nostroaccount:istheforeigncurrencyaccount(duefromaccount)ofamajorbankwiththeforeignbanksabroadtofacilitateinternationalsettlements.FromthepointofBankofChina,anostroaccountisourbank’saccountinthebooksofanoverseasbank,denominatedinfo