國際結算知識點總結（單選25，判斷15，實務60）三次作業1、Pleasedrawadraftaccordingtothefollowingmaterial:

NativeProductImp.andExp.CorporationJiangsubranchsoldsomegoods

valuedGBP54,000.00toPolarFursLID,London.Forsettlement,theexporterdrewadraftontheimporteronFeb20,2010,askingthelattertopay

100%oftheproceedstotheorderof

exporter30daysafterthedateof

issue.Accordingtotheinstructionoftheimporter,thedraftwillbepaidactuallyatBarclaysBank,PLC,London.

ExchangeforGBP54,000.00

Jiangsu

20thFeb.2010at30daysafterdatepaytotheorderofNativeProductsImp.andExp.Corporation,Jiangsu

thesumofPoundsFiftyFourThousandonlyToPolarFursLID，London

ForNativeProductsPayablebyBarclaysBank,PLC,Imp.andExp.Corporation,

London

Jiangsu

authorizedsignature2、Readthefollowingdraftandgiveyouranswertoeachofthefollowingquestions.

ExchangeforUSD50,000.00

Jan15,2010At60daysafterdatepaythisfirstbill(Secondunpaid)totheorderofBankofchinathesumofFiftyThousandUSDollarsonly.

To:ABCcompany

For

ChinaNationalCrafts

NewYork

Import&ExportCorporation,ShanghaiBranch.

(signed)

1.Whoisthedrawer?ChinaNationalCraftsImport&ExportCorporation,S.B.2.Whoisthedrawee?ABCcompanyNewYork3.Whoisthepayee?TheorderofBankofchina4.Isthisademanddraftoratenordraft?Atenordraft5.Isthisasolobillorabillofexchangeintwosets?Abillofexchangeintwosets6.Whereisthebilldrawn?Shanghai7.Whenisthebilldrawn?Jan15,20108.Onwhichdatewillthebillmature?Mar16,20103、Pleasecompletethefollowingsentencewithpropercontentsaccordingtothefollowingdraft.

ExchangeforUS$100,000.00

NewYork,10th

Aug,2010

At60daysaftersightpaytoBrown&ThomasInc.N.Y.ororder

thesumofU.S.dollarsonehundredthousandonly

To:IrvingTrustcompany

London

ForGeorgeAndersonInc.

NewYork

authorizedsignaturethebillforUS$100,000.00(thesumofU.S.dollarsonehundredthousandonly)isdrawnbyGeorgeAndersonInc.NewYorkonIrvingTrustcompanyLondonpayableat60daysaftersighttoBrown&ThomasInc.N.Y.ororderdated10thAug,2010信用證審核（課本129頁——139頁）問題條款共20處，粗體字顯示。（是否有問題條款，為什么有問題，如矛盾條款，不利條款）SALESCONTRACTContractNo.:08SGQ468001Date:APR.22,2008Seller:GUANGDONGLIGHTELECTRICALAPPLANCESCO.,LTDAddress:52DEZHENGROADSOUTHBuyer:ABCCORP.Address:AKEDSANTERINKAUTOP.O.BOX9,ThisS/CismadebyandbetweentheSellerandtheBuyer,wherebytheSelleragreestosellandtheBuyeragreestobuytheunder-mentionedgoodsaccordingtothetermsandconditionsstipulatedbelow:NameofCommodityandSpecificationsQuantityUnitpriceAmountHALOGENFITTINGW5009,600PCSCIFHELSINKIUSD36,480.00USD3.80/PCTotalAmountUSD36,480.00Packing:12PCSINACARTONDeliveryfromGUANGZHOUtoHELSINKITimeofShipment:Within30daysafterissuedateofL/CallowingtransshipmentandpartialshipmentTermsofPayment:By100%ConfirmedirrevocableLetterofCreditinfavoroftheSellertobeavailablebysightdraft.L/CshouldbeopenedandreachChinabeforeMAY1,2008andremainvalidinChinauntilthe15thdayaftertheforesaidtimeofshipment.L/Cmustmentionthiscontractnumber.L/CshouldbeadvisedbyBANKOFCHINA,GUANGZHOUBRANCH.Insurance:TobeeffectedbySellerfor110%offullinvoicevaluecoveringALLRISKSuptoHELSINKITheSellerThebuyer(authorizedsign.)(authorizedsign.)DocumentaryCreditissuedbytelexIssuingbank:METITABANKLTD.,FINLANDAdvisingbank:BANKOFCHINA,GUANGZHOUBRANCHDoc.creditform:REVOCABLE(1)Creditnumber:LRT0702457Dateofissue:MAY4,2008（2）Expiry:DATEMAY25,2008(3)PLACEFINLAND(4)Applicant:ABCCO.(5)AKEKSANTERINK(6)AUTOP.O.BOX9,Beneficiary:GUANGDONGLIGHTELECTRICALAPPLANCESCO.,LTD52DEZHENGROADSOUTHAmount:USD36400,00(SAYUSDOLLARSTHIRTYSIXTHOUSANDFOURHUNDREDONLY)(7)Availablewith/by:ANYBANKINCHINABYNEGOTIATIONDraftat..:AT20DAYSSIGHT(8)FORFULLINVOICEVALUEDrawee:APPLICANT（9）Partialshipments:NOTALLOWED(10)Transshipment:ALLOWEDLoadingincharge:ANYPORTINCHINAFortransportto:HELSINKIShipmentperiod:ATTHELATEST:MAY20,2008(11)Descriptionofgoods:960PCS(12)OFHALOGENFITTINGW500,USD3,80PERPCASPERSALESCONTRACTNO.08SG468001(13)DATED22APR.2008CIFHESINKI(14)Documentsrequired:*COMMERCIALINVOICE1SIGNEDORIGINALAND5COPIES*PACKINGLIST1SIGNEDORIGINALAND5COPIES*FULLSETOFCLEANONBOARDMARINEBILLSOFLADING,MADEOUTTOORDER,MARKED“FREIGHTPREPAID”,ANDNOTIFYAPPLICANT*CERTIFICATEOFORIGIN,CERTIFYINGGOODSOFORIGININCHINA,ISSUEDBYCOMPETENTAUTHORITIES*INSURANCEPOLICY/CERTIFICATECOVERINGALLRISKSANDWARRISKS(15)OFPICCUPTOFINALDESTINATIONATHELSINKI,FORATLEAST120PCT(16)OFFULLINVOICEVALUE.Presentationperiod:10DAYS(17)AFTERISSUANCEDATEOFSHIPPINGDOCUMENTSCharges:ALLBANKCHARGESAREFORBENEFICIARY’SACCOUNT.（18）Confirmation:WITHOUT(19)Instructions:UPONRECEIPTOFTHEDRAFTSANDDOCUMENTSINORDER,WEWILLTRANSFERTHEPROCEEDSASINSTRUCTEDBYTHENEGOTIATINGBANKApplicablerules:UCP600(20)（原信用證中不含此項，此項一定要標明）信用證條款Creditmeansanyarrangement,howevernamedordescribed,thatisirrevocableandtherebyconstitutesadefiniteundertakingoftheissuingbanktohonouracomplyingpresentation.信用證意指一項約定，無論其如何命名或描述，該約定不可撤銷并因此構成開證行對于相符提示予以兌付的確定承諾。UCP600Art.2Complyingpresentationmeansapresentation(ofdocuments)thatisinaccordancewiththetermsandconditionsofthecredit,theapplicableprovisionsoftheserulesandinternationalstandardbankingpractice.相符提示意指與信用證中的條款及條件、本慣例中所適用的規定及國際標準銀行實務相一致的（單據）提示。Apresentationincludingoneormoreoriginaltransportdocumentssubjecttoarticles19,20,21,22,23,24or25mustbemadebyoronbehalfofthebeneficiarynotlaterthan21calendardaysafterthedateofshipmentasdescribedintheserules,butinanyeventnotlaterthantheexpirydateofthecredit.提示若包含一份或多份按照本慣例第19條、20條、21條、22條、23條、24條或25條出具的正本運輸單據，則必須由受益人或其代表按照相關條款在不遲于裝運日后的二十一個日歷日內提交，但無論如何不得遲于信用證的到期日。Ifthereisnoindicationinthecreditoftheinsurancecoveragerequired,theamountofinsurancecoveragemustbeatleast110%oftheCIForCIPvalueofthegoods.如果信用證對投保金額未作規定，投保金額須至少為貨物的CIF或CIP價格的110%。Atleastoneoriginalofeachdocumentstipulatedinthecreditmustbepresented.信用證中規定的各種單據必須至少提供一份正本。UCP600Art.2Honourmeans:a.topayatsightifthecreditisavailablebysightpayment.b.toincuradeferredpaymentundertakingandpayatmaturityifthecreditisavailablebydeferredpayment.c.toacceptabillofexchange(“draft”)drawnbythebeneficiaryandpayatmaturityifthecreditisavailablebyacceptance.兌付（承付）意指：a.對于即期付款信用證即期付款。b.對于延期付款信用證發出延期付款承諾并到期付款。c.對于承兌信用證承兌由受益人出具的匯票并到期付款。UCP600Art.2Negotiationmeansthepurchasebythenominatedbankofdrafts(drawnonabankotherthanthenominatedbank)and/ordocumentsunderacomplyingpresentation,byadvancingoragreeingtoadvancefundstothebeneficiaryonorbeforethebankingdayonwhichreimbursementisduetothenominatedbank.議付意指被指定銀行在其應獲得償付的銀行日或在此之前，通過向受益人預付或者同意向受益人預付款項的方式對相符提示項下的匯票（匯票付款人為被指定銀行以外的銀行）及/或單據做出的購買行為。anunconditionalorderinwriting,addressedbyonepersontoanother,signedbythepersongivingit,requiringthepersontowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedperson,ortobearer.(theUKBillsofExchangeActof1882)匯票是一人給另一人的書面無條件命令，由給出命令的人簽發，要求接受命令的人即期、定期或在可確定的將來時間支付確定的貨幣金額給一個指明的人，或指明人的指定人，或來人。a.Collectionshouldnotcontainbillsofexchangepayableatafuturedatewithinstructionthatcommercialdocumentsaretobedeliveredagainstpayment.托收不應含有遠期匯票而又同時規定商業單據要在付款時才交付。結算方式流程（中英文均可）信用證applicant（申請人/進口商）beneficiary（受益人/出口商）issuingbank（開證行/進口地銀行）advisingbank（通知行）（檢驗真偽，無審證責任）nominatedbank/claimingbank（被指定銀行/索償行）payingbank（付款行）acceptingbank（承兌行）negotiatingbank（議付行）reimbursingbank（償付行）（無審單責任）confirmingbank（保兌行）Step1（簽訂合同）Step2（申請開證）Step3（開立信用證）Step4（通知信用證）Step5（審證發貨）Step6（簽發提單）Step7（提交單據）Step8（審單兌付）Step9（寄單索匯）Step10（審單償付）Step11（單到通知）Step12（付款贖單）Step13（交付單據）Step14（提示提單）Step15（交付貨物）匯款remitter（匯款人/進口商）remittingbank（匯出行）payingbank（匯入行/解付行）payee(beneficiary)（收款人/出口商）信匯流程匯款人提交匯款申請、款項、支付傭金匯出行向匯款人提供回執匯出行通過信匯方式向匯入行發出支付命令或通知，指示匯入行向收款人支付款項接到支付命令并核對、認證，通知收款人收款人提供收據支付匯入行發送借記報單、收據給匯出行托收principal（委托人/出票人/出口商）drawee（付款人/受票人/進口商）remittingbank（托收行）collectingbank（代收行）presentingbank（提示行）case-of-need（需要時代理）簽訂銷售合同出口商發貨，獲取運輸單據，向進口商簽發匯票出口商將單據和匯票交給托收行進行托收托收行將單據、匯票以及托收指示發給代收行代收行或提示行通知進口商進口商支付或承兌代收行將單據交給進口商代收行向托收行支付款項托收行貸記出口商賬戶保函1.theprincipal(applicant)andthebeneficiarysignaunderlyingcontractspecifyingaL/Gtobeissued.（簽訂合同）2.theprincipalappliesforissuingadirectL/GoracounterL/G（申請保函或反擔保函）3.theprincipal’bankissuesadirectL/GoracounterL/G（開立直接保函或反擔保函）4.thebeneficiary’sbankadvisesthedirectL/GorissuesaL/GagainstthecounterL/Gtothebeneficiary（通知或開立保函）5.thebeneficiaryclaimspaymentbypresentingawrittendemandtogetherwithrequireddocstothebeneficiary’sbank（交單索付）6.thebeneficiary’sbanktransmitsthedocstotheprincipal’sbankforpaymentoreffectspaymenttothebeneficiaryandclaimsreimbursementfromtheprincipal’sbank（寄單索付或付款后索償）7.theprincipal’sbankeffectspaymenttothebeneficiarythroughthebeneficiary’bankorreimbursestothebeneficiary’sbank（付款或償付）8.theprincipal’sbankasksforreimbursementfromtheprincipal（向申請人索償）保理Overallagreementoffactoringbetweentheexporterandfactor（簽訂保理總協議）Applyingforimporter’screditline（申請買方信用額度）Requestofcreditapproval（委托批準信用額度）Investigationofimporter’screditandapprovingthecredi