application for remittance
汇款和托收2
（√）
4.MT is a quicker method of payment than a
demand draft.
（√）
5.Among TT,MT and DD, TT is the cheapest
method of payment.
（×）
6.In the case of MT, the remitting bank issues a
A. Pay the home currency equivalent of the sum in foreign currency;
B. Pay the banks commission;
C. Get a permission from the authorities;
D. Pay the bank in foreign currency.
Chapter Review
1.汇款业务中 ,汇入行在收到汇出行汇款委托书后 ,
方可向收款人解付汇款 .
（√）
2.In the three types of remittance, T/T is reverse
remittance while M/T is remittance.
（×）
3. DD stands for Demand Draft.
accoount should be _B、D_
A. Credited; 贷记 B. Debited; 借记
C. Increased;
D. Decreased;
14.In the process of mail transfer, remitting bank sent
information to its correspondent bank by _C_, unless
商务商业英语词汇
[精彩]商务商业英语词汇商务英语词汇(A)abandonment charge 背弃费用 absolute par of exchange 绝对外汇平价arbitrage rate 套汇汇率above par 超过票面价值acceptance commission 承兑手续费 acceptance fee 认付费acceptance for honor 参加承兑 acceptance house 期票承兑行 acceptor for honor 参加承兑人 accepting bank 承兑银行accepting charge 承兑费accident beyond control 非人为事故account payable 应收帐，应付未付账 account purchase 赊买account receivable 应收账款，应收未收帐 account sales 销货帐，销货清单 account of goods sold 销货帐目 account of receipts and payments 收支帐目 account year 会计年度accounting statement 会计报表 accounting unit 会计单位 accrued expense 应计费用 accrued item 应计项目accumulation of capital 资本积累 acknowledgement 回单acknowledgement of orders 订单确认 act of God 天灾acting manager 代理经理active demand 畅销actual cost 实际成本actual liabilities 实际负债 actual price 实际价additional expense 追加费用 additional order 追加订货 additional premium 追加保费 adjustment of exchange rate 调整汇价 advalorem duty 从价税advance in price 涨价advance payment 预付款advance price 增价advance sample 预样advance settlement of exchange 预交外汇 advance surrender of export exchange 预交出口外汇advice of arrival 到货通知 advice of charge 付款通知书 advice of shipment 货运通知 advice of drawing 支票通知书 advising bank (notifying bank) 通知银行 advertisement matter 广告邮件 advertising agency 广告社、广告代理 advertising expense 广告费 advertising media 广告媒体 affiliated company 附属公司，联盟公司 after charge 附加费率after date 日后，发票后after sight 见票后照付affidavit of export 出口宣誓书 A grade 甲级(货品)against all risks 保全险 agency agreement 代理协议 agency contract 代理契约 agent service 代理服务 agreed upon 同意，商定 agricultural products 农产品 air-borne goods 空运货物 air freight 航空运费 air mail 航空邮件air-mail service 航空运寄 air transportation insurance 空运保险all risk 全险all round price 包括一切费用价格 all sorts of goods in stock 各种货物齐备allied company 联营公司 alongside delivery 船边交货 allowance on sales 销货折口 alter an agreement 变约 amicable allowance 友好让价amicable settlement 友好解决 amount insured 保险金额 amount of exports 输出额 amount of imports 输入额 analysis certificate 化验证书 analysis report 化验报告 announcing removal 迁移通知 annual income 年收入annual interest 年息，年利 annual production 年产量 annual report 年报，决算书，年度财务报告anticipated buying 预期购买applicant for the credit 信用证申请人 application fee 申请费application for conversion 折换申请书 application for export permit 出口许可证申请书 application for import of foreign goods 外货进口报单application for importation of controlled commodities 管制货物进口申请书application for letter of credit 开发信用证申请书application for negotiation of draft under letter of credit出口押汇申请书application for freight space舱位申请书 application to pass goods through the custom 报关单apply by letter 通信申请apply in person 亲自申请apply for a position 申请职位 apply for information 探询消息 apply for remittance 托汇appointed store 指定商店appreciation of money 货币增值 arbitrage of exchange 套汇arbitration clause 仲裁条款 arbitration of exchange 汇兑率裁定army supplies 军需品arrival at port 入港arrival notice 到达通知articles made to order 订制品 articles of luxury 奢侈品artificial flower 人造花as agreed (contracted) 按照合同 as per sample 与样品相同 Asian-dollar market 亚洲美元市场 ask the price of 询价assignment clause 转让条款 assignment of policy 保险单转让assistant manager 协理，副经理 as soon as possible shipment 立即送运 at a discount 折扣at a premium 超过票面之价值 at a profit 获利，赚钱at sight 见票即付，即期 at the market 照市价at par 平价auction price 拍卖价authority to purchase 购买委托证 authority to pay 委托付款证average cost 平均成本average tare 平均皮重average unit cost 平均单位成本 average unit price 平均单价average weight 平均重量 award of bid 决标，定标商务英语词汇(B) back to back credit export first 输出为先的对开信用证back to back L/C 对开信用证 back to back credit import first 输入为先的对开信用证back Valvation 倒起息bailee clause 受托人条款balance of payment 收支差额 balance of trade 贸易差额 balance sheet 资产负债表 balance sheet analysis 资产负债俵分析 bale breaking 松包bank acceptance 银行承兑 bank balance 银行(存款)余额 bank bill 银行票，纸币 bank's buying rate 银行购买汇率 bank's letter of credit 银行信用证 bank charges 银行手续费 bank commission 银行佣金 bank draft 银行汇票bank holiday 银行假日 bank hours 银行营业时间 bargain offer 减价优待 bargain sale 大减价barter arrangement 易货协议 barter system 易货交易制 basic price 底价be booked up 预定一空 be booked for 购票be engaged in export 作出口 bank notes 银行兑换票，钞票 Bank of China 中国银行 bank of commerce 商业银行 Bank of Communications 交通银行 Bank of International Settlements (BIS) 国际清算银行Bank of Taiwan 台湾银行 bank rate 银行贴现率bank reference 银行备咨banker's acceptance 银行承兑，银行信用证 banker's credit 银行承兑汇票 be held responsible for 应负赔偿责任 be in default 不履行(契约) be in demand 销路好，有需要 be in vogue 流行中be kept upright 保持正立 bear (short) 空头bear a loss 负担损失bearish market 疲软市场become ( or fall) due 期满 bedrock price 最低价berth terms 定期船条款best in quality 品质最优 best seller 畅销品，畅销书 be out of vogue 不流行be ware of fire 小心火烛 B grade 乙级bid bond 投标押金bid price 标价bid rate 买方出价，投标bilateral clearing 双边清算，记帐协议 bilateral trade 双边贸易bilateral contract 双边契约 bill accompanied by document 跟单汇票 bill at sight 见票即付bill for collection 托收票据 bill of exchange 汇票，押汇，国外汇票bill of landing 货运提单 bill payable 应付帐bill purchased 出口押汇 bill receivable 应收帐 bill unaccompaniedby 光票 bill undue 期票未到bill with letter of credit 凭信用证汇票bill without letter of credit 无信用证汇票blank bill 空白票据blank check 空白支票blank endorsement 空白背书 blank order forms 空白订单 blue chip 上选股票board of administration 董事会 board of directors 董事会 board of supervisors 监事会 bona fide 出于善意bonded warehouse 保税仓库 bonded goods 保税货borrow money 借钱borrow money from (of) 由.....借钱 bottom price 最低价boycott foreign goods 抵制外货 branch office 分公司breach a contract 违约，背约 break an agreement 违约，背约 breakbulk 下货，卸货break even 不赚不赔break even point 损益两平 breat rate 破约汇率breakage 破损brisk (active;lively) 生意兴隆 broker 经纪人brought down 移入下页 brought forward 承上页 bulk cargo 散货bulk sale 大宗卖bull market 上涨行情 business card 商业名片 business circles 商业圈 business correspondence 商业通信 business English 商业英语 business expenses 营业开销 business hours 营业时间 business letters (commercial letters) 商业信函business-like 商业化的 business school 商业学校 business year 商业年度 buy at a bargain 买得便宜 buyer's market 买方市场 buying agent 买方代理人 buying and selling on buying contract 买货契约buying expenses 购买费用 buying price 买价buying power 购买力 buying rate 买入汇率 by mutual consent 双方同意 by parcel post 包裹运寄 by the gross 整批by the hour 按钟点 by weight 按重量商务英语词汇(C)cable address (telegraphic address) 电报挂号cable charge 电报cable cofirmation 电报确认书 cable transfer 电汇calendar year 日历年度 call option 买入期权，看涨期权 can afford to 买得起cancel (write off) 取消 cancel an order 取消订单 capital account 资本帐户 capital in trade 本钱capital market 资本市场 carbon copy 副本card-board box 纸板箱care of (C/O) 转交cargo in bulk 散装货cargo insurence 货物险cargo vessel 货轮carrying charge 储存费用 carrying cost 储存费用 carriage forward运费由收货人支付 carriage paid 运费预付 carton box 硬纸盒，纸箱 cash against delivery 付款交货 cash against document 凭单据付款 cash and carry 现金出货 cash before delivery 付款后交货 cash on arrival 货到付现 cash on delivery(C.O.D) 货到付现 cash price 现金价格cash purchase 现金购买 cash receipts 现金收入cash register 出纳机cash with order 订货付款cashier's check 本票caution mark 小心标志ceiling price 最高价格Central Bank 中央银行Central Trust of China 中央信托局 centralized purchasing 集中采购certificate and list of measurement and/or weight 产量证明书certificate for advance surrender of export xchange 预交出口外汇证明书certificate of analysis 化验证明 certificate of inspection 检验合格证明 certificate of import license 进口证明 certificate of origin 原产地证明书 certificate of shipment 出口证明书 certificate of weight 重量证明书 C grade 丙级(指货品)C.F. price 货价及运费价格 chain stores 连锁商店chairman of board of directors 董事长 chamber of commerce 商会charge for remittance 汇费charges paid 付讫费用charge (a sum) to one's account 记某人帐 charter by time 论时收费charter by voyage 论航次收费 chartered bank 指定银行cheap clearance sale 清仓贱卖 cheap labor 便宜劳力check, cheque 支票，核对 check mark 核对符号check payable to bearer 无记名支票 check to bearer 不记名支票check to order 记名支票 checking account 支票帐户 chemical works 化学工厂 CIF value 到岸价格chief executive 董事长circular letter 传单circular letter of credit 循环信用证 civil commotion 内乱claim for damages 要求赔偿损失 claim for proceeds 应得价款之要求 claim letter 赔偿要求书 classified advertisements 分类广告 clean bill 光票，清洁汇票 clean bill of lading 清洁提单 clean draft 光票，普通汇票 clean floating 清洁浮动 clear a port 出港clear a ship 卸货clearing house 票据交换所 clearance sale 清仓大贱卖 clerical error 记录错误 close an account 结帐close inspection 严格检查 closing quotation 收盘，收市行情 closing rate 收盘汇率closing time 下班时间C.O.D; Cash on delivery 交货收款code number 标号数码code telegram 密电 collated telegram 校对电报collecting agent 代收人collecting bank 代收银行 collecting bill 收款汇票 collection charges 代收费 collection expenses 收款费用 collection fees 收款费collection letter 收帐费collection of bills 代收汇票 combined offer 联合报价come into operation 开始运作 come into the market 进入市场 come into vogue 开始流行 comfirming bank 确认银行 commence business 开始营业 commercial abbreviations 商业略字 commercial agent 代理商commercial agreement 商业合约 commercial attache 商务参事commercial bank 商业银行 commercial center 商业中心 commercial bill 商业票据 commercial credit 商业信用，商业信用证 commercialcorrespondance 商业通讯 commercial documentary letter of credit 跟单信用证commercial letter of credit 商业信用证 commercial paper 商业文件commercial profit 商业利润 commercial relations 商业关系commission agent 代理商commission agency 代理贸易 commission business 委托贸易 commission broker 经纪人commission house 抽佣商行 commission merchant 代理商 commission sale 代售commodity price 商品价格 common carrier 运输业者comparative advantage 比较利益 competitive demands 竞争需求competitive market 竞争市场 competitive price 公开招标价格compilation of statistics 编制统计 complaints and claims 抗议并索赔consecutive numbers 连号condition sale 有条件销售 conditional endorsement 有条件背书conditional acceptance 有条件认付 conditional sales contract 有条件售货契约 conference freight rate 协议运费 coference tariff 公会议决运费表 confirmed letter of credit 保兑信用证 confirmation of order 订货承诺书 confirmatory sample 确认样本 confirming bank 确认银行considerable orders 大量订货 consigned goods 寄售品consignment note 寄售通知书 constructive total loss 推定全损consulate invoice 领事签证发票consular fee 领事签证费consular invoice 领事发票consumer demand 消费者要求，需求 consumer goods 消费品consumer market 消费者市场container service 货柜运输contract for future delivery 订期货 contract for purchase 承买contract goods 契约货品contract of sale 卖契control of foreign exchange 外汇管制 conversion rate 折合率conversion table 换算表convertable currency 自由兑换货币 Co-operative Bank of Taiwan 台湾合作金库 copy of draft 汇票誊本corner the market 垄断市场correspondent bank 往来银行 corrugated paper box 瓦楞纸盒 cost and freight 货价加运费 cost insurance and freight 货价，运费加保险 cost, insurance,freight and commission cost 到岸价格加佣金(包括保险和运费) cost insurance,freight commission and interest 到岸价格加佣金和利息cost, insurance, freight and exchange 到岸价格加兑换费cost control 成本管制cost free 免费奉送cost of goods sold 销货成本 cost of labor 劳工成本cost of living 生活费 cost of living index 生活指数 cost ofmaterial 原料成本 cost of maintenance 维持费 cost of manufacture 制造成本 cost of marketing 销货成本 cost of operation 作业成本 cost of production 生产成本 cost of reproduction 复制成本 cost of sales 销售成本 cost of transfer 转移费用 cost of transportation 运费 counterfeitnote(bill) 伪钞 counterfeit trade-marks 伪商标 counter L/C 对开信用证country of origin 原产地 cover note 担保书cover letter 附信craft, etc. clause 驳船等条款 credit analysis 信用分析 credit card 信用卡credit information 信用报告 credit inquiry 信用调查 credit note 付款票credit sale 赊卖credit side 贷方cross out (off) 注销，取消 cross rate 套汇汇率，套价 cubic foot 立方尺cubic inch 立方寸cubic meter 立方公尺cubic yard 立方码cubic measure 容积，体积 currency areas 货币区域 current information 现行消息 current price 时价current price on market 行市，市场价 current rate 现价，当日汇率current year 本年度custom made 定制customs barrier 关卡 customs broker 报关行 customs clearing charges 报关费 customs duties 关税customs entry 海关手续 customs invoice 海关发票 customs warehouse 海关仓库 customary discount 常例折扣 customers' account 客户帐目 cut down one's expenditures 节省开支cut down the price 减价商务英语词汇(D)daily expenses 每日费用 daily interest 每日利息 daily necessities 日用品 daily pay 日给工资daily reports 日报damaged goods 毁坏物品 dangerous goods 危险货物 date due 到期日date of contract 签约日期 date of delivery 发货日date of draft 发票日期 day of maturity 到期日 dead weight cargo 重量物品 deadweight ton 重量吨 deadweight tonnage 载重吨位 deal on credit 赊帐买卖商人 debit note 帐单debit side 借方debit and credit 借贷 decimal fraction 小数 decimal point 小数点deck cargo 甲板货物 deck rate 甲板运费率 declare at the customs 报关declaration 申报declaration for exportation 出口报关单declaration for importation 进口报关单decreasing cost 递减成本 deduct money 扣钱deferred payment 延期付款 delay in payment 延期支付 delay shipment 延期装船 del credere 买主资力保证费 del credere agents 保证买主资力的代理商decline an order 谢绝订货 deliver the goods 交货，送货 delivery order 提货单 demand bill 即期汇票 demand draft 即期汇票 demand price 需求价格 deposit account 存款帐户deposit at bank 银行存款 deposit certificate 银行存款单 depressed market 市面清淡 deputy manager 副经理 description of goods 货物摘要design of products 产品设计 design paper 图案纸despatch money 快递费 detained goods 扣留货物 developed countries 发达国家 development bank 开发银行 development cost 开发成本 development expenses 发展费用 direct mail advertising 直接邮寄广告 direct price 直接价格 direct quotation 直接报价 direct sales 直接出售 direct trade 直接贸易 director board 董事会 directory of importers and exporters 贸易商名录dirty bill of lading 有债务提单 discharging expenses 卸货费用discount a bill 扣减期 discount rate 贴现率dishonor check 不兑现支票 dishonored bill 退票district bank 区域银行 divisible L/C 可分割信用证 division of labour 分工 division of work 分工document against acceptance 承兑交单 document against payment 付款交单 document of shipping 装货单据 documentary acceptance bill 承兑汇票documentary。
国际结算课件PPTPart 3 Remittance10
paying bank
T/T flowchart Remitter
Funds
Payee
6. Payment 5. receipt
4.Notification of T/T
2.receipt
1.T/T application
remitting bank
3. payment order sent by cable or SWIFT
Advice of M/ T The payment order
Mail Transfer Advice Bank of China, Guangzhou Branch
Please advice and effect the following payment less your charges if any. In cover, we have credit your A/C with us. TO:_______, No. of M/T:______ ,TO be paid to______ Amount:________, Amount in Words:_____________ By order of:_______, Message:___________
TO: the Chase Manhattan Bank N. A., New York
FM: Bank of China, Beijing
DATE: 30 Sep. 2004
TEST x x x OUR REF TT109900/03 PAY USD 200,000.00 VALUE 30 SEP. TO BANQUE NATIONAL DE TUNISIE TUNIS FOR CREDIT OF A/C NO. Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET ELECTRICITE DE CHINE MESSAGE REMIT FOR CUSTOMS DUTY ORDER CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING YOUR CHARGES FOR BENEFICIARY COVER DEBIT US
汇出汇款 金融英文对话
The End
Thank You!
ce 汇出汇款 Payee 收款人 Mode of remittance 汇款方式 Telegraphic transfer(T/T) 电汇 Demand draft(D/D) 票汇，即 期票汇 Application for remittance 汇款申 请 Inward remittance 汇入汇款 Payer 付款人 Mail transfer(M/T) 信汇 Draft 汇票 Bill of exchange(B/E) 汇票
B:Ok.Here are the 1000 pounds,420 yuan,and the completed form. 好的，这是1000英镑、420元以及填好的表。 A:All right.But you haven't indicated how you like to remit the money. 可以。但您没有注明汇款方式。 B:I'm sorry.I left it out.I think I'd like it remitted by M/T. 对不起，我填漏了。我想信汇。 A:That's all right.Here is the receipt.The calculation of exchange is written on it for your reference. 好的。这是收据，上面写有外汇兑换的计算情况供您参考。
A:T/T and D/D,and they are short for Telegraphic Transfer and Demand draft,respectively. T/T和D/D，它们分别是电汇和票汇的简称。 B:What's the difference between them? 这两种方式有什么差别？ A:Remittance by T/T is faster than that by D/D,but commission is higher. 电汇方式比票汇方式快，但手续费也要高一些。 B:I think the payee is not in urgent need. 我想收款人不急需这笔钱。 A:Then I suggest you can take D/D. 那我建议你可以选择票汇。 B:Ok.How much do you charge for the remittance by D/D? 票汇收多少手续费？
ENGLIS
assistant manager 协理，副经理
as soon as possible shipment 立即 送运
at a discount 折扣
at a premium 超过 票面 之 价值
at a profit 获利，赚钱
at sight 见票 即付，即期
at the market 照 市价
bilateral clearing 双边 清算，记帐 协议
bilateral trade 双边 贸易
bilateral contract 双边 契约
account sales 销货帐，销货 清单
account of goods sold 销货 帐目
account of receipts and payments 收支 帐目
account year 会计 年度
accounting statement 会计 报表
accounting unit 会计 单位
advance surrender of export exchange
预交出口外汇
advice of arrival 到货 通知
advice of charge 付款 通知书
advice of shipment 货运 通知
advice of drawing 支票 通知书
be in vogue 流行 中
be kept upright 保持 正立
bear (short) 空头
bear a loss 负担 损失
bearish market 疲软 市场
become ( or fall) due 期满
bedrock price 最低价
汇款申请书
汇款用途 Message
注：此栏目必须填写。填写 内容，简要填写汇款用途， 例如：家用、学费、生活费 等等。
汇款人签名 Signature
注：汇款人 签名，必须 填写！
注： 合计金额 = 汇出 汇款金额 + 手续费。例 日 如：EUR 2515，属选填 期 date 项。
汇 款 申 请 书
Application for remittance 请填写正楷不要草写
收款人姓名 Name of beneficiary 收款人地址 Address
法兰克福分行
BANK OF CHINA FRANKFURT BRANCH
Bockenheimer Landstraße 24, 60323 Frankfurt am Main Tel.069/170090-150/ 160, Fax 069/170090-530 收款人身份证号 ID.No of Beneficiary 是否兑换成人民币汇出 CNY Remittance ( Y / N ) 收款人电话号码 Tel.-No. of Beneficiary
汇款用途 Message
汇款人签名 Signature 日 期 date
汇款申请书 样本
Application for remittance 请填写正楷不要草写
收款人姓名 Name of beneficiary 收款人地址 Address
法兰克福分行
BANK OF CHINA FRANKFURT BRANCH
电汇编号 TT No.
收款人的银行名称 Name of beneficiary’s bank 帐户号 A/C No. 汇款人姓名 Name of remitter 汇款人地址 Address
电汇业务流程
电汇业务流程(总6页)本页仅作为文档封面，使用时可以删除This document is for reference only-rar21year.March操作一2002年12月，杭州商实进出口公司（HANGZHOU SHANGSHI IMP. AND EXP. CORP.)(地址：10,WENYI ROAD,XIHU DISTRICT,HANGZHOU,CHINA）（简称买方）从日本住金物产株式会社(SUMIKIN BUSSAN CORPORATION 3-2 SAKE I-CHOME,OSAKA,JAPAN)（简称卖方）进口一批IBM计算机。
两家长期有业务往来，彼此十分了解和熟悉，并且都有良好的资信。
因此，签订了一个购买价值为80万美元的销售合同，合同中双方商订在货物到达杭州后45天之内采用电汇方式付款，一次付清。
货物到达杭州的日期是2003年4月18日。
杭州商实进出口公司的开户行是中国银行浙江分行（地址是：18,WENYI ROAD,XIHU DISTRICT,HANGZHOU,CHINA），账号是№168-00688。
日本住金物产株式会社的开户行是东京商业银行（地址是：3-8 SAKE I-CHOME,OSAKA,JAPAN），账号是№7245824。
杭州商实进出口公司的业务员于4月16日到中国银行浙江分行办理汇款手续。
汇款申请书（APPLICATION FOR REMITTANCE）BY T/T(电汇) BY M/T(电汇) BY D/D(票汇) DATE(日期)收款人BENEFICIARY 汇款币种及金额AMOUNTUSD 800，000收款人名称及详细地址BNFS NAME&ADDRESSTOKYO COMMERCIALBANK,3-8 SAKE I-CHOME,OSAKA,JAPAN收款人账号及开户行BENEFICIARY’S A/CNO.7245824中间行名称、地址INTERMEDIARY BANK’S NAME &ADDRESS汇款人REMITTER 汇款人名称REMTETER’S NAMEHANGZHOU SHANGSHI IMP.AND EXP. CORP汇款人附言MESSAGE TOBENEFICIARYBANK OF CHINAZHEJIANG BRANCE，168-00688经办人:汇出行受理签章经办人：复核人：电话:汇款行编号REF NO.用电报方式发出的汇款委托书FM：（汇出行名称）BANK OF CHINA ZHEJIANG BRANCE TO：（汇入行名称）TOKYO COMMERCIAL BANKDATE：（发电日期）2002/12TEST（密押）：XXXXOUR REF NO.0-168/7288/888（汇款编号）000 （付款金额AMOUT）VALUE（起息日D CIAL BANK （收款人BENIFICIARY）NO:OF CHINA ZHEJIANG BRANCE，168-00688 （（please debit our a/c with you（（我行不负担费用）用SWIFT方式发出的汇款委托书:F01 .SS.（银行代（银行全称）:100（银行代（银行全称）iod Normal/100 Minutes（只须填以下部分）ANSFEReference number：888TT168168currency code, amount：03.04.16，USD 800000:er （汇款人）：HANGZHOU SHANGSHI IMP. AND EXP. CORP.bank（账户行名称）：BANK OF CHINA ZHEJIANG BRANCEtomer SUMIKIN BUSSAN CORPORATION ，3-2 SAKE I-CHOME,OSAKA,JAPANyment：REMIT FOR CUSTOMER DUTY ETCharges：FOR BENEFICIARYinformation:in cover,please debit our a/c with you用电报方式发出的汇款委托书FM：（汇出行名称）BANK OF CHINA ZHEJIANG BRANCE №23456789TOKYO COMMERCIAL BANK №1234567803.04.16（汇款编号）888TT1681680（付款金额AMOUT）VALUE03.04.16（起息日DA CIAL BANK （收款人BENIFICIARY）NO:23456789（HOU SHANGSHI IMP. AND EXP. CORP（（（我行不负担费用）用SWIFT方式发出的汇款委托书:F01 .SS.（银行代（银行全称）:100（银行代（银行全称）iod Normal/100 Minutes（只须填以下部分）ANSFERMMERCIAL BANKeference number：888TT168168currency code, amount：03.04.16，USD 800000omer （汇款人）：HANGZHOU SHANGSHI IMP. AND EXP. CORPbank（账户行名称）：BANK OF CHINA ZHEJIANG BRANCEtomer（收款人名称地址）：HANGZHOU SHANGSHI IMP. AND EXP. CORP. yment：REMIT FOR CUSTOMER DUTY ETC.harges：FOR BENEFICIARY: 72/bank to bank information: IN COVER,PLEASE DEBIT OUR A/C WITH YOUSWIFT报文 MT202Explanation FormatSender（发报行）Bank of china zhejiang branchMessage Type（电文类型）202Receiver（收报行）Tokyo commercial bankMessage Text（电文内容）Transaction Reference Number（汇款编号）：20 ：888TT168168Value Date/Currency Code/Amount（起息日/货币代号/金：32A ：03.04.16，USD 800000额）Sender’s Correspondent (1)（偿付帐号）：53B/23456789Intermediary：56A ：Account With Institution (2)：57A ：23456789End of Message Text/Trailer（电文结束/报尾）用电报方式发出的汇款委托书BANK OF CHINA, ZHEJIANG BRUNCHTOKYO COMMERCIAL BANK03.04.168168（汇款编号）0（付款金额AMOUT）VALUE03.04.16（起息日D MERCIAL BANK（收款人BENIFICIARY）NO:（HOU SHANGSHI IMP. AND EXP. CORP.（（（我行不负担费用）用SWIFT方式发出的汇款委托书:F01 .SS.（银行代（银行全称）:100TRANSFERSent to : （银行代码）（银行全称）Input time :MIR :Priority/Obsol.Period Normal/100 Minutes（只须填以下部分）MT 100 CUSTOMER TRANSFERDATESent to ：TOKYO COMMERCIAL BANK: 20/transaction reference number：888TT168168: 32A/value date, currency code, amount：003416 ,USD,800000,: 50/ordering customer （汇款人）：HANGZHOU SHANGSHI IMP. AND EXP. CORP.: 57/account with bank（账户行名称）：BANK OF CHINA, ZHEJIANG BRUNCH59/beneficiary customer（收款人名称地址）：SUMIKIN BUSSAN CORPORATION 3-2 SAKE I-CHOME,OSAKA,JAPAN: 70/details of payment：REMIT FOR CUSTOMER DUTY ETC: 71A/details of charges：FOR BENIFICIARY: 72/bank to bank information:IN COVER, PLEASE DEBIT OUR A/C WITH YOUSWIFT报文 MT202Explanation Format Sender（发报行） Bank of china zhejiang branch Message Type（电文类型）202Receiver（收报行） Tokyo commercial bankMessage Text（电文内容）Transaction Reference Number（汇款编号）：20 ：888TT168168Value Date/Currency Code/Amount（起息日/货币代号/金：32A ：003416 ,USD,800000额）Sender’s Correspondent (1)（偿付帐号）：53B/23456789Intermediary：56A ：Account With Institution (2)：57A ：23456789 End of Message Text/Trailer（电文结束/报尾）Sent to : TOKYO COMMERCIAL BANK: 20/transaction reference number: 888TT168168: 32A/value date, currency code, amount：003416 ,USD,800000,: 50/ordering customer （汇款人）：HANGZHOU SHANGSHI IMP. AND EXP. CORP.: 57/account with bank（账户行名称）：BANK OF CHINA, ZHEJIANG BRUNCH 59/beneficiary customer（收款人名称地址）：SUMIKIN BUSSAN CORPORATION 3-2 SAKE I-CHOME,OSAKA,JAPAN: 70/details of payment：REMIT FOR CUSTOMER DUTY ETC: 71A/details of charges：FOR BENIFICIARY: 72/bank to bank information : IN COVER, PLEASE DEBIT OUR A/C WITH YOU。
银行笔试英语单词
银行笔试英语单词主题: 最新商务词汇abandonment charge 背弃费用absolute par of exchange 绝对外汇平价abritrage rate 套汇汇率above par 超过票面价值acceptance commission 承兑手续费acceptance fee 认付费acceptance for honor 参加承兑acceptance house 期票承兑行acceptor for honor 参加承兑人accepting bank 承兑银行accepting charge 承兑费accident beyond control 非人为事故account payable 应收帐，应付未付帐account purchase 赊买account receivable 应收帐款，应收未收帐account sales 销货帐，销货清单account of goods sold 销货帐目account of receipts and payments 收支帐目account year 会计年度accounting statement 会计报表accounting unit 会计单位accrued expense 应计费用accrued item 应计项目accumulation of capital 资本积累acknowledgement 回单acknowledgement of orders 订单确认act of God 天灾acting manager 代理经理active demand 畅销actual cost 实际成本actual liabilities 实际负债actual price 实际价additional expense 追加费用additional order 追加订货additional premium 追加保费adjustment of exchange rate 调整汇价advalorem duty 从价税advance in price 涨价advance payment 预付款advance price 增价advance sample 预样advance settlement of exchange 预交外汇advance surrender of export exchange 预交出口外汇advice of arrival 到货通知advice of charge 付款通知书advice of shipment 货运通知advice of drawing 支票通知书advising bank (notifying bank) 通知银行advertisement matter 广告邮件advertising agency 广告社、广告代理advertising expense 广告费advertising media 广告媒体affiliated company 附属公司，联盟公司after charge 附加费率after date 日后，发票后after sight 见票后照付affidavit of export 出口宣誓书A grade 甲级（货品）against all risks 保全险agency agreement 代理协定agency contract 代理契约agent service 代理服务agreed upon 同意，商定agricultural products 农产品air-borne goods 空运货物air freight 航空运费air mail 航空邮件air-mail service 航空运寄air transportation insurance 空运保险all risk 全险all round price 包括一切费用价格all sorts of goods in stock 各种货物齐备allied company 联营公司alongside delivery 船边交货allowance on sales 销货折口alter an agreement 变约amicable allowance 友好让价amicable settlement 友好解决amount insured 保险金额amount of exports 输出额amount of imports 输入额analysis certificate 化验证书analysis report 化验报告announcing removal 迁移通知annual income 年收入annual interest 年息，年利annual production 年产量annual report 年报，决算书，年度财务报告anticipated buying 预期购买applicant for the credit 信用证申请人application fee 申请费application for conversion 折换申请书application for export permit 出口许可证申请书application for import of foreign goods 外货进口报单application for importation of controlled commodities 管制货物进口申请书application for letter of credit 开发信用证申请书application for negotiation of draft under letter of credit 出口押汇申请书application for outward remittance for application for space 舱位申请书application to pass goods through the custom 报关单apply by letter 通信申请apply in person 亲自申请apply for a position 申请职位apply for information 探询消息apply for remittance 托汇appointed store 指定商店appreciation of money 货币增值arbitrage of exchange 套汇arbitration clause 仲裁条款arbitration of exchange 汇兑率裁定army supplies 军需品arrival at port 入港arrival notice 到达通知articles made to order 订制品articles of luxury 奢侈品artificial flower 人造花as agreed (contracted) 按照合同as per sample 与样品相同Asian-dollar market 亚洲美元市场ask the price of 询价assignment clause 转让条款assignment of policy 保险单转让assistant manager 协理，副经理as soon as possible shipment 立即送运at a discount 折扣at a premium 超过票面之价值at a profit 获利，赚钱at sight 见票即付，即期at the market 照市价at par 平价auction price 拍卖价authority to purchase 购买委托证authority to pay 委托付款证average cost 平均成本average tare 平均皮重average unit cost 平均单位成本average unit price 平均单价average weight 平均重量award of bid 决标，定标back to back credit export first 输出为先的对开信用证back to back L/C 对开信用证back to back credit import first 输入为先的对开信用证back Valvation 倒起息bailee clause 受托人条款balance of payment 收支差额balance of trade 贸易差额balance sheet 资产负债表balance sheet analysis 资产负债俵分析bale breaking 松包bank acceptance 银行承兑bank balance 银行（存款）余额bank bill 银行票，纸币bank's buying rate 银行购买汇率bank's letter of credit 银行信用证bank charges 银行手续费bank commission 银行佣金bank draft 银行汇票bank holiday 银行假日bank hours 银行营业时间bargain offer 减价优待bargain sale 大减价barter arrangement 易货协议barter system 易货交易制basic price 底价be booked up 预定一空be booked for 购票be engaged in export 作出口bank notes 银行兑换票，钞票Bank of China 中国银行bank of commerce 商业银行Bank of Communications 交通银行Bank of International Settlements (BIS) 国际清算银行Bank of Taiwan 台湾银行bank rate 银行贴现率bank reference 银行备咨banker's acceptance 银行承兑，银行信用证banker's credit 银行承兑汇票be held responsible for 应负赔偿责任be in default 不履行（契约）be in demand 销路好，有需要be in vogue 流行中be kept upright 保持正立bear (short) 空头bear a loss 负担损失bearish market 疲软市场become ( or fall) due 期满bedrock price 最低价berth terms 定期船条款best in quality 品质最优best seller 畅销品，畅销书be out of vogue 不流行beware of fire 小心火烛B grade 乙级bid bond 投标押金bid price 标价bid rate 买方出价，投标bilateral clearing 双边清算，记帐协定bilateral trade 双边贸易bilateral contract 双边契约bill accompanied by document 跟单汇票bill at sight 见票即付bill for collection 托收票据bill of exchange 汇票，押汇，国外汇票bill of landing 货运提单bill payable 应付帐bill purchased 出口押汇bill receivable 应收帐bill unaccompanied by 光票bill undue 期票未到bill with letter of credit 凭信用证汇票bill without letter of credit 无信用证汇票blank bill 空白票据blank check 空白支票blank endorsement 空白背书blank order forms 空白订单blue chip 上选股票board of administration 董事会board of directors 董事会board of supervisors 监事会bona fide 出于善意bonded warehouse 保税仓库bonded goods 保税货borrow money 借钱borrow money from (of) 由.....借钱bottom price 最低价oycott foreign goods 抵制外货branch office 分公司breach a contract 违约，背约break an agreement 违约，背约break bulk 下货，卸货break even 不赚不赔break even point 损益两平breat rate 破约汇率breakage 破损brisk (active;lively) 生意兴隆broker 经纪人brought down 移入下页brought forward 承上页bulk cargo 散货bulk sale 大宗卖bull market 上涨行情business card 商业名片business circles 商业圈business correspondence 商业通信business English 商业英语business expenses 营业开销business hours 营业时间business letters (commercial letters) 商业信函business-like 商业化的business school 商业学校business year 商业年度buy at a bargain 买得便宜buyer's market 买方市场buying agent 买方代理人buying and selling on buying contract 买货契约buying expenses 购买费用buying price 买价buying power 购买力buying rate 买入汇率by mutual consent 双方同意by parcel post 包裹运寄by the gross 整批by the hour 按钟点by weight 按重量cable address (telegraphic address) 电报挂号cable charge 电报费cable cofirmation 电报确认书cable transfer 电汇calendar year 日历年度call option 买入期权，看涨期权can afford to 买得起cancel (write off) 取消cancel an order 取消订单capital account 资本帐户capital in trade 本钱capital market 资本市场carbon copy 副本card-board box 纸板箱care of (C/O) 转交cargo in bulk 散装货cargo insurence 货物险cargo vessel 货轮carrying charge 储存费用carrying cost 储存费用carriage forward 运费由收货人支付carriage paid 运费预付carton box 硬纸盒，纸箱cash against delivery 付款交货cash against document 凭单据付款cash and carry 现金出货cash before delivery 付款后交货cash on arrival 货到付现cash on delivery(C.O.D) 货到付现cash price 现金价格cash purchase 现金购买cash receipts 现金收入cash register 出纳机cash with order 订货付款cashier's check 本票caution mark 小心标志ceiling price 最高价格Central Bank 中央银行Central Trust of China 中央信托局centralized purchasing 集中采购certificate and list of measurement and/or weight 产量证明书certificate for advance surrender of export exchange 预交出口外汇证明书certificate of analysis 化验证明certificate of inspection 检验合格证明certificate of import license 进口证明certificate of origin 原产地证明书certificate of shipment 出口证明书certificate of weight 重量证明书C grade 丙级（指货品）C.F. price 货价及运费价格chain stores 连锁商店chairman of board of directors 董事长chamber of commerce 商会charge for remittance 汇费charges paid 付讫费用charge (a sum) to one's account 记某人帐charter by time 论时收费charter by voyage 论航次收费chartered bank 指定银行cheap clearance sale 清仓贱卖cheap labor 便宜劳力check, cheque 支票，核对check mark 核对符号check payable to bearer 无记名支票check to bearer 不记名支票check to order 记名支票checking account 支票帐户chemical works 化学工厂CIF value 到岸价格chief executive 董事长circular letter 传单circular letter of credit 循环信用证civil commotion 内乱claim for damages 要求赔偿损失claim for proceeds 应得价款之要求claim letter 赔偿要求书classified advertisements 分类广告clean bill 光票，清洁汇票clean bill of lading 清洁提单clean draft 光票，普通汇票clean floating 清洁浮动clear a port 出港clear a ship 卸货clearing house 票据交换所clearance sale 清仓大贱卖clerical error 记录错误close an account 结帐close inspection 严格检查closing quotation 收盘，收市行情closing rate 收盘汇率closing time 下班时间C.O.D; Cash on delivery 交货收款code number 标号数码code telegram 密电collated telegram 校对电报collecting agent 代收人collecting bank 代收银行collecting bill 收款汇票collection charges 代收费collection expenses 收款费用collection fees 收款费collection letter 收帐费collection of bills 代收汇票combined offer 联合报价come into operation 开始运作come into the market 进入市场come into vogue 开始流行comfirming bank 确认银行commence business 开始营业commercial abbreviations 商业略字commercial agent 代理商commercial agreement 商业合约commercial attache 商务参事commercial bank 商业银行commercial center 商业中心commercial bill 商业票据commercial credit 商业信用，商业信用证commercial correspondance 商业通讯commercial documentary letter of credit 跟单信用证commercial letter of credit 商业信用证commercial paper 商业文件commercial profit 商业利润commercial relations 商业关系commission agent 代理商commission agency 代理贸易commission business 委托贸易commission broker 经纪人commission house 抽佣商行commission merchant 代理商commission sale 代售commodity price 商品价格common carrier 运输业者comparative advantage 比较利益competitive demands 竞争需求competitive market 竞争市场competitive price 公开招标价格compilation of statistics 编制统计complaints and claims 抗议并索赔consecutive numbers 连号condition sale 有条件销售conditional endorsement 有条件背书conditional acceptance 有条件认付conditional sales contract 有条件售货契约conference freight rate 协议运费coference tariff 公会议决运费表confirmed letter of credit 保兑信用证confirmation of order 订货承诺书confirmatory sample 确认样本confirming bank 确认银行considerable orders 大量订货consigned goods 寄售品consignment note 寄售通知书constructive total loss 推定全损consulate invoice 领事签证发票consular fee 领事签证费consular invoice 领事发票consumer demand 消费者要求，需求consumer goods 消费品consumer market 消费者市场container service 货柜运输contract for future delivery 订期货contract for purchase 承买contract goods 契约货品contract of sale 卖契control of foreign exchange 外汇管制conversion rate 折合率conversion table 换算表convertable currency 自由兑换货币Co-operative Bank of Taiwan 台湾合作金库copy of draft 汇票誊本corner the market 垄断市场correspondent bank 往来银行corrugated paper box 瓦楞纸盒cost and freight 货价加运费cost insurance and freight 货价，运费加保险cost, insurance,freight and commission cost 到岸价格加佣金（包括保险和运费）cost insurance,freight commission and interest 到岸价格加佣金和利息cost, insurance, freight and exchange 到岸价格加兑换费cost control 成本管制cost free 免费奉送cost of goods sold 销货成本cost of labor 劳工成本cost of living 生活费cost of living index 生活指数cost of material 原料成本cost of maintenance 维持费cost of manufacture 制造成本cost of marketing 销货成本cost of operation 作业成本cost of production 生产成本cost of reproduction 复制成本cost of sales 销售成本cost of transfer 转移费用cost of transportation 运费counterfeit note(bill) 伪钞counterfeit trade-marks 伪商标counter L/C 对开信用证country of origin 原产地cover note 担保书cover letter 附信craft, etc. clause 驳船等条款credit analysis 信用分析credit card 信用卡credit information 信用报告credit inquiry 信用调查credit note 付款票credit sale 赊卖credit side 贷方cross out (off) 注销，取消cross rate 套汇汇率，套价cubic foot 立方尺cubic inch 立方寸cubic meter 立方公尺cubic yard 立方码cubic measure 容积，体积currency areas 货币区域current information 现行消息current price 时价current price on market 行市，市场价current rate 现价，当日汇率current year 本年度custom made 定制customs barrier 关卡customs broker 报关行customs clearing charges 报关费customs duties 关税customs entry 海关手续customs invoice 海关发票customs warehouse 海关仓库customary discount 常例折扣customers' account 客户帐目cut down one's expenditures 节省开支cut down the price 减价daily expenses 每日费用daily interest 每日利息daily necessities 日用品daily pay 日给工资daily reports 日报damaged goods 毁坏物品dangerous goods 危险货物date due 到期日date of contract 签约日期date of delivery 发货日date of draft 发票日期day of maturity 到期日dead weight cargo 重量物品deadweight ton 重量吨deadweight tonnage 载重吨位deal on credit 赊帐买卖商人debit note 帐单debit side 借方debit and credit借贷decimal fraction 小数decimal point 小数点deck cargo 甲板货物deck rate 甲板运费率declare at the customs 报关declaration 申报declaration for exportation 出口报关单declaration for importation 进口报关单decreasing cost 递减成本deduct money 扣钱deferred payment 延期付款delay in payment 延期支付delay shipment 延期装船del credere 买主资力保证费del credere agents 保证买主资力的代理商decline an order 谢绝订货deliver the goods 交货，送货delivery order 提货单demand bill 即期汇票demand draft 即期汇票demand price 需求价格deposit account 存款帐户deposit at bank 银行存款deposit certificate 银行存款单depressed market 市面清淡deputy manager 副经理description of goods 货物摘要design of products 产品设计design paper 图案纸despatch money 快递费detained goods 扣留货物developed countries 发达国家development bank 开发银行development cost 开发成本development expenses 发展费用direct mail advertising 直接邮寄广告direct price 直接价格direct quotation 直接报价direct sales 直接出售direct trade 直接贸易director board 董事会directory of importers and exporters 贸易商名录dirty bill of lading 有债务提单discharging expenses 卸货费用discount a bill 扣减期票discount rate 贴现率dishonor check 不兑现支票dishonored bill 退票district bank 区域银行divisible L/C 可分割信用证division of labour 分工division of work 分工document against acceptance 承兑交单document against payment 付款交单document of shipping 装货单据documentary acceptance bill 承兑汇票documentary bill(draft) 押汇，跟单汇票documentary credit 押汇信用证dollar countries 美元国家dollar loan 美金借款dollar shortage 美金缺乏domestic bill 国内汇票domestic communication 国内交通domestic economy 国内经济domestic letter of credit 国内信用证domestic market 国内市场domestic products 国货domestic telegrams 国内电报do not drop 不可抛落do not turn over 不可倒置Dow Jones average 道琼指数down payment 分期付款之订金draft for remittance 汇票draft on demand 即期汇票draft or note payable to bearer 凭票即付draw a bill 出票draw up a contract 拟合同dual-use packaging 双重用途的包装due date 到期日dull market 市面冷淡dull sale 滞销duplicate 副本，复本duplicate copy 副本duplicate invoice 副联duplicate of draft 汇票复本duplicate sample 复样dutiable goods 应完税货品duty free 免税duty free goods 免税商品duty paid 关税已付duty paid terms 通过海关后交货条件duty unpaid 关税未付earning power 回收获利率economic growth 经济成长economic policy 经济政策economic take-off 经济起飞eight-hour system of labour 八小时工作制elastic demand 弹性需求electric appliances shop 电器行electric power cost 电力成本electronic computer 电脑，计算机electronic transfer 电汇embargo on the export of gold 禁止黄金出口empty forms 空白表endorsed in blank 空白背书endorsement in blank 无记名签批endorsement to order 指派式背书enter into an agreement 订约enter into(make) an entrance fee 会费，入场费equlibrium;balancing 平衡equilibrium price 平衡价格establish a business 创业estimated cost 预算费用estimated market value 估计市价estimated revenue 岁入预算estimated statement 估计表European Common Market 欧洲共同市场exact interest 抽息exact quantity 确数examine goods 验货ex bond 关仓交货价exchange bank 汇兑银行exchange clause 汇兑条款exchange control 汇兑管制exchange fluctuations 汇兑变动exchange fund 汇兑资金exchange of commodity 货品交易exchange rate 汇率ex dock 码头交货价execute an order 接受订货execute one's promises 履行契约exempt from taxation 免税ex factory 工厂交货价ex lighter 驳船交货ex mill 工厂交货价ex pier (wharf) 码头交货价expiration notice 到期通知书expiring date 到期日expiry date 有效期限ex plane （空运）飞机上交货价ex plantation 农场交货export agent 出口代理商export bill 出口汇票export for collection a/c 托收出口汇票科目export bill of lading 出口提货单export credit insurance 出口信用保险export declaration 出口申报书export duties 输出税，出口税export insurance 出口保险export licence 出口许可证export loan 输出贷款export merchant 出口商export order 出口订单export packing 出口包装export permit 出口许可export processing 加工出口export quotas 出口配额export sales 外销export trade 出口贸易express fee 快递费express mail 快递邮件ex rail 铁路边交货价ex ship 船上交货价ex store 仓库交货，店铺交货价ex store terms 店铺交货条件external trade 对外贸易extra charge 额外费用extra discount 额外折扣extra expense 额外费用extra work 加班extra premium 额外保险费extravagent price 过高的价格ex works 工厂交货价ex works terms 工厂交货条件ex warehouse 仓库交货价ex warehouse terms 仓库交货价条件ex wharf 码头交货价face value 面值，票面factory expenses 制造费用factory planning 工厂计划factory report 工厂报告factory supplies 工厂供应品facsimiles of authorized signatures 有权签字员样本failed bank 破产银行fair average quality 中等品质fair average sample 平均中等样品fair market value 公平市价fair price 平价fair trade 公平交易fall(or become) due 到期（支票），期满falling price 跌价family size 家庭用特大号farm produce 农产品favorable balance 有利差额favorable trade balance 出超field service 就地服务fill your order 供应订货firm offer 肯定报价financial analysis 财务分析financial ability 财力financial circle(world) 金融界，财经界financial condition 财务状况financial expense 财务费用financial investigation 财务调查financial position 财务状况financial report 财务报告financial statements 资产负债表fine gold 纯金finished goods 成品，制成品finished product 制成品firm offer 实盘firm order 定期订货firm price 固定价格fire risk 火险fire policy 火灾保险fiscal year 会计年度first quality 上等品质fixed cost 固定成本fixed prices 固定价格fixed rate 固定率floor price 底价，最低价flour mill 面粉厂fluctuation 物价波动，涨落fluctuating market 变动市场for account of 在某人帐上for sale 廉价出售foreign capital 外国资本foreign currency 外币foreign exchange 外汇foreign exchange control 外汇管制foreign exchange market 外汇市场foreign exchange foreign exchange reserve 外汇准备foreign mail 外国邮件foreign trade 对外贸易formal contract 正式合同formal notice 正式通知form of application 申请表forward agent 运送经纪人forward business 期货交易forward exchange 远期汇兑forward exchange transaction 远期外汇买卖forwarding agency 运输业forwarding agent 运输商forwarding business 运输业free alongside ship (FAS) 船边交货价free enterprise 自由企业free foreign exchange 自由外汇free goods 免税品free in 包括装船费在内的运费free in and out 包括装卸费在内的运费free of all average 全损赔偿free of capture & seizure clause 扣押免责条款free of charge 免费free of cost 免费赠送free of expense 免费freight paid to...terms 运费预付至...条件free of tax 免税free on board (F.O.B) 船上交货价free on board shipping point 起运点交货free on board destination 目的地交货free on rail 火车上交货价free on truck 卡车上交货价free overside 输入港船上交货价格freight broker 货运经纪人freight charges 运费freight forward 运费待收，运费有提货人支付freight paid 运费付讫freight payable on delivery 货到付运费freight prepaid 运费先付freight to be collected 运费待收freight to collect 运到收费freight ton 装载吨freight train 运货列车frozen foods 冷冻食品fulfil the terms 履行条款full service 完全服务full state trading 完全国营贸易functional expense 业务费用future market 未来市场gain profit 得利益，利润general affairs 总务general agents 总代理General Agreement on Trade and Tariffs 贸易及关税总协定general average 共同海损general cargo 普通货general cargo rate 一般货物运费率general letter of hypothecation 一般押汇质押书general offer 一般发价general terms and conditions 一般交易条件gift coupons 赠券gift shop 礼品店good merchantable quality 标准品，上等可销货物goods in bond 保税货物goods in process 在制品goods in stock 存货goods in transit 在运品goods on consignment 寄销商品grace period 宽限，优惠时间grand prize 特奖grand sale 大减价grand total 总计gross amount 概数gross average 平均毛额gross imports 进口总数gross proceeds 总货价收入gross sales 销货总额gross weight 总重量half finished goods 半成品half & half 对半half price 半价half price ticket 半价票handicraft 手工业，手工handicraft industry 手工业hands off 不准动手handle with care 小心轻放handle with great care 特别当心handling expenses 处理费用harbor burear 港务局harbor dues 港税hard goods 金属品head (main) office 总局，总部，总行health certificate 卫生证明书heavy weight goods 重量货物high class 高级high interest rate 高利贷high price 高价highest possible price 最高价holding company 控股公司home industry 国内工业home-made 自制的home market 国内市场home products 国产home trade 国内贸易illegal payment 非法付款illegal profit 非法利益immediate delivery 即刻交货immediate payment 即时付款immediate shipment 即刻装船imported goods 进口货import agent 进口代理商import bill 进口汇票import cargoes 进口货物import credit 进口信用证import commission house 进口代理商import declaration 进口声明书import duties 进口税import letter of credit 进口信用证import licensing system 进口许可证import merchant 进口商import permit 进口证import price 进口价格import quota 进口限额import tariff 进口税则import trade 进口贸易import without exchange settlement 不结汇进口imported goods 进口货incidental expenses 杂费，车马费incorporated company 有限责任公司increasing cost 递增成本increasing expense 递增费用incur losses 蒙受损失in demand 顾客需要indirect cost 间接成本indirect damage 间接损害indirect expenses 间接费用indirect labor 间接劳工indirect trade 间接贸易inflation 通货膨胀inflation policy 通货膨胀政策inflationist 通货膨胀论者in force 有效informal agreement 非正式契约inherent defect 固有缺陷inherent vice 固有缺陷（保险）inland bill of lading 内陆提单inland bill of lading clause 内陆提单条款inquiry agency 调查所，征信所inquiry sheet 询价单inspection and certificate fee 检验证明费用inspection report 检验报告书installment delivery 分期交货institute cargo clause 货物附带条款，协会装船货物条款in stock 有存货insurance amount 投保金额insurance broker 保险经纪人insurance business 保险事业insurance certificate 保险证明书insurance company 保险公司insurance expenses 保险费用insurance premium 保险费insured amount 保险金额interest per annum 年息interest rate 利率interested party 有意者interior transportation 国内运输international Chamber of Commerce 国际商会international market 国际市场international Monetary Fund 国际货币基金组织international parcel 国际包裹international relation 国际关系international Shipping international trade 国际贸易international trade in transit 业经装船introductory offer 宣传品，推荐品invisible exports 无形出口invisible trade 无形贸易invite to tender 招标invoice amount 发票额invoice for sales 销售发票invoice price 发票价目invoice weight 发票所开重量inward documentary bills 进口押汇票iron straps 铁皮条iron works 铁工厂irrevocable credit 不可撤消信用证irrevocable letter of credit 不可撤消信用证issuing bank (opening bank) 开证银行，发行银行issuing date 开证日期，发行日期items of business 经营项目joint account 共同结算，联合账户joint cost 联合成本joint enterprise 合办事业，共同事业keep cool 放置冷处，保持凉爽keep dry 保持干燥keep flat 平放keep out of the sun 避免阳光keep upright 竖放key currency 主要通货key industries 基本产业主頁> 詞彙> 英漢證券期貨及財務用語匯編英漢證券期貨及財務用語匯編第I 部- 證券、期貨及財務用語兩- 內地香港內- 內地港- 香港台- 台灣Ffabricate misleading information港－捏造誤導資料fabricate statements of accounts港－捏造帳戶結單face value兩－面值；面額；票面價值；票面值台－面值；票面價值facilitate dealing港－促成買賣；利便交易facilitating agency兩－交易中介機構facilitative regime港－有利業界的制度facilitator港－協調人；主持人facility兩－設備；設施港－利便措施；貸款；融資；資金融通；信用安排；功能台－信用額度；融通；機構；設施facility agent港－融通代理人facility letter內－貸款信；便函港－提供貸款通知書；貸款確認書；信貸安排函件facsimile numbers港－傳真號碼Fact Book/Fact Sheet港－《股市資料》factor兩－系數台－因子；因素；系數factoring兩－客帳代理；帳款保收；應收帳款讓售內－因數分類台－因數分析；應收帳款收買業務；帳務代理；代理融資；代理收帳factoring company內－貸款保收公司；應收帳款讓售公司港－代理融通公司；代理收帳公司台－客帳收買商；應收帳款收買商號；代理商fail float兩－未交割現金餘額failed broker港－未能完成交收的經紀；倒閉經紀行failed intermediary港－倒閉的中介機構failed transaction內－失效交易港－未能結算的交易；失敗的交易failover capability/fail-over arrangement港－後備支援系統failure to comply with港－不遵從；不合規；未有遵從failure to comply with financial resources rules 港－沒有遵守財政資源規則failure to report non-compliance港－沒有就不遵守有關規則而作出報告fair competition兩－公平競爭台－公平競爭fair credit reporting內－公正信用報告港－公正資信報告fair market price兩－合理市價台－合理市價；公平市場價格fair market value兩－公平市價；公平市值台－合理市值；公平市值fair presentationfair return兩－合理收益港－合理利潤；合理回報台－公平價格fair trade兩－公平交易fair value兩－公允價值內－理論價值港－公平價值fair value accounting港－公平價值會計方式；公允價值會計法fall due兩－到期fallacy of composition兩－組合謬誤港－資產組合失誤fall-back arrangement/ fallback arrangement 港－後備程序；應急安排fallen angel港－"下墜天使"；股價急跌的高價證券falling wedge港－下降楔形false accounting兩－造假帳；偽造帳目false allegation港－虛假指控false declaration港－虛假聲明false disclosurefalse entry兩－偽造紀錄港－虛假記項false information內－虛假信息港－失實資料；虛假資料false market兩－虛假市場內－造假市港－假市false or misleading appearance of active trading港－交投活躍的虛假或具誤導性的表象false or misleading public communications港－虛假或具誤導性的公開通訊false or misleading representations in applications to Commission 港－在向證監會提出的申請中作出虛假或具誤導性的陳述false reporting港－失實申報false representation兩－虛假申述港－虛假陳述false statement港－虛假陳述false trading港－虛假交易false trading in securities港－虛假證券交易falsification港－捏改falsification of books兩－做假帳；偽做帳目港－捏改簿冊falsification of records兩－竄改紀錄港－偽造紀錄falsify港－捏改falsify statements港－捏改結單family interests內－家族利益港－家屬權益台－家庭成員利益family of funds港－基金家族；一組由同一基金公司管理的基金family-controlled company港－由家族控制的公司family-owned company港－家族公司fan principle港－扇形線理論fancy paper兩－熱門股票內－熱門證券fancy price港－昂貴價格far month contract港－遠期月份合約far option港－到期期權farmed out orders港－委託同業執行買賣盤；“打倉盤”fast market兩－急劇波動的市場港－快巿；速動市場fast trading港－交投暢旺fault reporting centre港－故障報告中心fault reporting centre hotline港－故障報告電話熱線fault tolerance港－錯誤包容；故障包容favourable balance兩－順差台－有利差異；順差；出超favourable balance of trade兩－貿易順差台－貿易順差favourable difference兩－順差內－有利差異台－有利差異favourable mark兩－順差額favourable price movements兩－有利的價格波動favourable profit tax treatment兩－利得稅優惠favoured currency港－熱門貨幣favoured stock港－看漲股份；熱門股feasibility study兩－可行性研究台－可行性研究feathered asset港－虛假資產；滲水資產Fed Wire兩－聯邦儲備銀行之間的電子網絡；聯邦聯線系統Federal Deposit Insurance港－聯邦存款保險federal funds兩－聯邦基金federal funds rate兩－聯邦基金利率federal land bank system兩－聯邦土地銀行體制federal reserve agent兩－聯邦儲備代理人federal reserve credit兩－聯邦儲備信貸federal reserve currency兩－聯邦儲備貨幣federal reserve requirements兩－聯邦存款準備要求federal reserve system兩－聯邦儲備體制台－聯邦準備制度fee兩－費用fee levels兩－費用水平fee payable港－應繳費用fee payable on application for additional accreditation 港－申請額外的隸屬關係的費用fee payable on application for transfer of accreditation 港－申請轉移隸屬關係的費用fee structure港－收費制度feedback內－信息反饋港－回應；回饋台－回饋feedback effect港－反饋效應feedback mechanism港－回饋機制feeder fund港－聯接基金台－投資基金fees and charges港－費用；費用及收費fees and charges disclosure sheet港－費用及收費披露一覽表fees to be approved by Commission港－費用須經證監會批准fellow subsidiary兩－同系附屬公司；同集團附屬公司fest schuld兩－合併長期債務。
国外汇款汇票申请书
台北分行約定條款Terms and Conditions1.除非申請人另有其他指示，匯款將以付款所在地國家之貨幣給付。
Unless otherwise specified by the Applicant, payment of the remittance will be made in the currency of the country in which the payment is to be made.2.如係電匯，貴行得自行決定以文字或密碼匯出，如發生電訊遲到、錯誤、疏漏或收訊者誤解等情事，貴行均無須承擔任何責任。
In the case of remittance by telegraphic transfer, the Bank may, in its sole discretion, send the message in plain language, code or cipher and the Bank shall not be liable for any delay, error, omission which may occur in the course of the transmission nor shall the Bank be liable for any misinterpretation of the message by the recipient.3.貴行不負取得受款人收據之責任。
The Bank shall be under no obligation to obtain a confirmation of receipt of the remittance from the payee.4.於貴行收到相關往來銀行、代理機構等之通知確認取消匯款前，貴行並無義務退還任何匯出款項。
若匯款已折成外幣，則貴行得以匯出款項退還當日貴行牌告買價折算成原幣別，扣除貴行及相關往來銀行、代理機構等之各項費用後，再予退還。
外国送金依頼书兼告知书
〔APPLICATION AND DECLARATION FOR REMITTANCE〕
中国工商銀行東京支店御中
TO:INDUSTRIAL AND COMMERCIAL BANK OF CHINA TOKYO BRANCH
裏面の記載に従い下記の通り送金を依頼します。PLEASE EXECUTE THE FOLLOWING REMITTANCE SUBJECT TO THE CONDITIONS ON THE BACK HEREOF.
2.口欄には該当事項に✕印を付けて下さい。
PLEASE MARK WITH✕IN NECESSARY COLUMNS.
日付DATE〕
年 月 日
取扱番号
送金金額〔AMOUNT〕
手数料明細〔COMMISION〕
②送金手数料〔REMT.CHG〕
③電信料〔CABLE CHG〕
④その他手数料〔OTHERS)
〔EX.RATE〕
引落口座番号
〔A/C NO.〕
本
人
確
認
記録
❉
ご依頼人名〔APPLICANT’S NAME〕
〔漢字名〕
ご依頼人署名又は捺印
〔SIGNA TURE〕
〔英文名〕
ご依頼人ご住所〔APPLICANT’S ADDRESS〕
電話番号〔TELEPHONE NO.〕
生年月日(DATE OF BIRTH)年 月日
支払銀行名、支店名〔ACCOUNT WITH BANK/BRANCH〕
①〔円貨換算額〕
〔➀＋➁＋➂＋➃〕合計〔TOTAL〕
送金方法
□電信送金□送金小切手
〔TELEGRAPHIC ห้องสมุดไป่ตู้RANSFER〕 〔DEMAND DRAFT〕
滙款更正 取消 退滙申请书 Application for Amendment
丁部 Part D ─ 收費及款項指示 Charge and Instruction of Payment
辦理就有關上述事項應向貴行支付之銀行費用及/或應向本人(等)退回之款項:
>>NSC>PSV
以現金支付 Payment in Cash
存入/支取本人(等)戶口賬號 Crediting / Debiting my / our account no. _________________________________________________________
因貴行已收到代理行通知上述匯款已被取消及收回有關退款，請安排將貴行收到的退款以現時有關貨幣匯率之買入價折算為港元(如適用)，並從款項內扣除 貴行之相關費用、代理費(如有)後退回本人(等)之戶口。 As you have received confirmation from your correspondent bank that the subject remittance has been cancelled and also received the returned funds, please arrange to refund to me/us the net proceeds in Hong Kong Dollars (if appropriate) by converting the returned funds received by you at your current buying rate, and deducting therefrom your charges, commission, if any. 若上述匯款仍未完成付款交易，本人(等)授權 貴行以電報通知貴行之代理行要求取消上述匯款及退回有關款項，在貴行實收到退回款項後，請以當日有關 貨幣匯率之買入價折算為港元(如適用)，並從款項內扣除貴行之相關費用、代理費(如有)後退回本人(等)之戶口。 I/We hereby authorize you to instruct your correspondent bank by cable to cancel the subject remittance and to request for return of the relevant funds provided that payment has not been effected. After you have actually received the returned funds, please arrange to refund to me/us the net proceeds in Hong Kong Dollars (if appropriate) by converting the returned funds actually received by you at your current buying rate, and deducting therefrom your charges, commission, if any.
电汇申请书
电汇申请书APPLICATION FOR TELEGRAPHIC REMITTANCE 请用正楷填写并在适当方格内加上() 号Please complete in BLOCK LETTERS and tick () the appropriate box( 深色部份必须填写 Items in Bold are mandatory )汇款货币及金额Remittance Currency & Amount申请人姓名Name of Applicant收款人银行之代理银行Correspondent of Beneficiary’s Bank(if applicable)银行间之户口号码 Account No. with Correspondent Bank收款人银行之名称及地址Name and Address of theBeneficiary’s Bank城市 City国家 Country收款人银行之银行编号Bank Code of Beneficiary’s Bank (ifavailable)收款人之户口号码Account No. of Beneficiary收款人之名称Name of Beneficiary收款人之地址Address of Beneficiary给收款人之附言Details of Payment给收款银行之附言Message to Beneficiary’s Bank付款方式 Payment Method电话联络人银行专用 For Bank Use Only汇款规则1.星展银行 (香港)有限公司 (以下简称「本行」」，表示包括其继承人和受让人) 倘因下列情形而引致之任何损失概不负责﹕(a)款项交付或通知延误，或，(b)指令、通讯或其他文件在寄发或传送途中所发生之错误、残缺、遗漏、中断或延误(除直接因本行或职员的疏忽或诈骗所导致外)，或，(c)代理行或同业之行为，或，(d)战争、检查、封锁、叛变、或骚乱：本地或外国政府或人仕或其行政机构所施行之一切法律、规令、条例、管制，或，(e)其他难以控制之事故，假若情况总是本行需要付上责任(本行或职员导致疏忽诈骗)，该责任应根据所导致的损失，而涉及的款项不应超过该次汇款的金额(以前一页所显示的金额为准)。
国际支付练习
红色部分的作业需要写到作业本上，题目可以不要抄，直接写答案即可（有表格的需要制表）。
Chapter 4 RemittancesPlease answer, fill the blanks in or make choice of the following questions:1. There are two main kinds of methods of international exchange, namely (1) __________ and (2) __________.The remittances is that the funds flow in a ___________ direction to the payment instructions transmitted there-from..2. There are four parties in a remittance, i. e. (1) ______________ (2) ____________ (3) _______________ (4) ________________________________.3. The remittances which are handled by the home remitting bank are called __________________, while those are handled by foreign paying bank are called _________________.4. Remittance through a bank from one country to another may usually be made by one of the following methods:(1) ________________ (2) _____________________ (3) ___________________5. A customer would apply to a remitting bank at Beijing for the outward remittance of GBP1,250.00 to a payee at London , he has provided for USD account with that bank remaining a balance of USD25,000.00. Please calculate how much the bank will draw in USD out of the customer’s account.Exchange rate: GBP/CNY: 13.6762/13.6797USD/CNY: 8.2753/8.2789______________________________________________________________________________ ______________________________________________________________________________ Suppose Bank of China, Tianjin would be the remitting bank of the above remittance, they have:(1) a branch office-Bank of China, London(2) an account bank-National Westminster Bank Ltd., London(3) a correspondent-Barclays Bank Ltd., LondonPlease select one of the above three banks which will be more applicable to a paying bank._______________________________________________________________________________ ______________________________________________________________________________For Telegraphic transferPlease answer, fill the blanks in or make choice of the following questions:1. The telegraphic transfer is a remittance, at the request of a remitter, effected by an authenticated __ or _____________ or _______- sent by a remitting bank to a paying bank in another country instructing the latter to pay a certain sum in money to a designated payee of the remittance.2. Remitting bank: Bank of China, TianjinPaying bank: Bank of China, LuxemburgDate of cable: 9 JuneTest: 2563Ref No.: 208TT219Amount: USD1,660.00Payee: Marie Clauda Dumont, Luxemburg, account No. 0-1647295/550 with Banque International du LuxemburgMessage: PayrollRemitter: Crystal Palace Hotel, TianjinCover: Debit our H. O. accountFM:__________________________________________________TO:___________________________________________________DA TE::___________________________________________________TEST ________________OUR REF _________________NOT ANY CHARGES FOR USPAY:___________________________________________________TO:___________________________________________________FOR CREDITING ACCOUNT NO. ________________________________OF______________________________MESSAGE _________________________ORDER __________________________________________________COVER __________________________________________________3. Remitting bank: Bank of China, TianjinPaying bank: midland Bank Ltd., LondonDate of cable: 10 JuneTest: 3561Ref No.: 208TT099Amount: GBP54,420.00Payee: Anglo International Co. Ltd., London account No. 36998044 with Midland Bank Ltd. Message: Contract No. 201541Remitter: Tianjin International Trust & Investment Corp., TianjinCover: Debit our H. O. accountFM:__________________________________________________TO:___________________________________________________DA TE::___________________________________________________TEST ________________OUR REF _________________NOT ANY CHARGES FOR USPAY:___________________________________________________TO:___________________________________________________FOR CREDITING ACCOUNT NO. ________________________________OF______________________________MESSAGE _________________________ORDER __________________________________________________COVER __________________________________________________4. MT 100 CUSTOMER TRANSFERDATE: 981206SENT TO: BKCHCNBJ200BANK OF CHINA, TIANJIN: FM: 04HSBCHK25264HONGKONG AND SHANGHAI BANKING CORPORATION, HONGKONG: 20: TRN: TT-HKH315064BACP:32A: V ALUE DATE/CUR CODE/AMTDA TE: 9811206 CURRENCY CODE: CNY AMOUNT: 6,859.58: 50: ORDERING CUSTOMER:ARTHUR ANDERSEN AND CO.: 57s: “ACCOUNT WITH” BANK:BANK OF CHINA, TIANJIN BR., TIANJIN, CHINA: 59: BENEFICIARY CUSTOMERTIANJIN INTERNA TIONAL TAXATION CONSULTING BUREAU: 70: DETAILS OF PAYMENT:PAYMENT TO RENT AND TAX FOR NOV. 1998: 71A: DETAILS OF CHARGES: BENEFICIARY: 72: BANK TO BANK INFORMA TION:IN COVER SETTLE THRU OUR CNY A/C 111-01081 WITH YOUR BEIJING HEAD OFFICEIn accordance with above SWIFT Message Type 100, please write a cable text of remittance.____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________5. Please answer the question and fill in the blanks.8 Mar., 2003, CHINA NAT. METALS & MINERALS I/E CORP. presented the following remittance application to remitting.6. Cable/telex in T/T Fill the following forms.②Inward remittance③Inward remittanceFor Mail transfer & Banker’s demand draftPlease answer, fill the blanks in or make choice of the following questions:1. The mail transfer is a remittance, at the request of a remitter, effected by a ________- or __________ sent by the remitting bank to the paying bank authorizing the latter to notify and paya certain sum in money to the payee of the remittance.2. Date of payment order: 9 June, 199-Paying bank: Bank of China, New YorkIn cover please debit our account with you.Ref. No. 208MT0212Payee: Wou International Co. account No. 132 2189 with Texas Commerce Bank, Houston Texas Amount: USD8,124.00Remitter: Crystal Palace HotelRemitting bank: Bank of China, TianjinPlease fill in a form of payment order to make remittance by M/T.3. Remitting bank: Industrial and Commercial Bank of China, Shangdong fill the following payment order。
国际结算介绍
国际结算（International settlement）Chapter1International settlement is defined as financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another ,in order to settle accounts ,debts,claims and etc.In a word ,international settlement refers to financial activities of settling claims and debts among countries.Chapter2Negotiable instrument is the instrument the right on which can be transferred from one party to another.in broad sense,negotiable instrument refers to any commercial document of title.it is an evidence of someone’s ownership of money or goods that is actually under his control.in narrow sense,negotiation instrument refers to the securities with the purpose of paying.This chapter mainly deals with the narrow sense of negotiable instrument which includes bill of change ,promissory note and cheque2.1.3 characteristics of negotiable instrument s①right setting(设权性):all right of the instrument are followed by the negotiable instruments ,the right of presenting for payment,the right of endorsement ,the right of recourse.②non-causative nature（无因性）：when the creditor exercises his right,he needn’t indicate the payer the reason③negotiability(流通转让性)：the title instruments can be passed from person to person by merely delivery or by endorsement and delivery,后手权利不受前手权利缺陷干预，可获得全部权利④words restriction(文义性)：all the rights of the instruments are determined according to the written words of the instruments⑤ requisite in form (要式性)：requisite in form means a negotiable instrument must be in the inform of a document containing certain required items⑥presentment(提示性):支付承诺-付款，支付命令：两步，承兑然后付款⑦returnability(返还性)：债权人收到款项，汇票退出流通⑧being of value(有价性)：the instrument is a security the write a certain amount of money.⑨recourse(可追索性)：当主债务人拒付时候，债权人有权上上家追讨2.2bill of exchange一It is “an unconditional order in writing ,addressed by one person toanother,signed by the person giving it,requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person or to the bearer”二.Essential terms:⑴the “bill of exchange”wording;⑵unconditional order to pay;⑶exact amount;⑷date and place issue;⑸name and place the addressee ;⑹name of payee;restricted,order(限制性开头)，demonstrative order(指示性开头)，bearer order(来人票据)⑺name and signature of the drawer（the basic parties）;⑻tenor（期限）：at ...days after sight(见票多少天),at...days after date（出票后多少天）；at... days after B/L date /shipment date(发货多少天）三.legal acts to bill of exchange①draw /issue:draw and sign ,and then deliver it②endorsement:is the signing on the back of a draft ,transferring the ownership and delivering to the endorsee.endorse(背书人)，endorsee(被背书人)Three main different kinds of endorsement:A.special endorsement:both the endorse and endorsee’ name.B.blank endorsement:only includes the endorse’sname ,without the name of the endorsee;C restrictive endorsement：includes restrictive wording,for example,only, not negotiable...③presenting(提示) payment ; acceptance--payment.④acceptance(承兑):general acceptance, qualified acceptance:conditional acceptance,partial acceptance,local acceptance,qualified acceptance as to time.⑤payment（支付）:four conditions must be satisfied.first,payment is made by the payer or acceptor instead of drawer or endorser;second,payment is made on or after the maturity date of the draft;third,payment is made to the holder,and the endorsement must be consecutive and authentic.fourth,payment is made in good faith.⑥dishonor（预付）：acceptance/payment is refused;acceptance/payment can not be attained,e.g,where the drawee can be found or where he deliberately avoids the presentment;the drawee is dead or bankrupt,or a fictitious person not having capacity is involved in the bill.Notice of dishonor(退票通知)，protest（拒绝证书）⑦right of recourseThe holder has the right to claim the amount of the instrument when dishonor happens没有回头追索权，往前手追索⑧guarantee/aval:the third party of instrument will assure that the debtor will fulfil his obligation such as drawer,endorser and payer.A(drawer)—B(payee/endorser)—C(endorse/endorsee)—D(endorsee/holder/creditor)=secondary debtorX(payer/acceptance)primary debtor2.3promissory noteDefinition:a promissory note is an unconditional promise in writing made by one person to another signed by the maker ,engaging to pay,on demand or at a fixed or determinable future time,a sum certain in money,to ,or to the order of, specifiedperson or to bearerA(drawer/primary debtor) B(payer/endorser) C(endorsee/endorser)D(endorsee/holder/creditor)Difference s between bill of exchange and promissory notes1. an order、a promise2. basic parties3. primary debtor4. the act of acceptance5. the drawer and the payee of B/E can be the sameperson.6. foreign bills need protesting on dishonor toretain the right of recourse.7. B/E can be drawn in a set while Note only can beissued one copy.2.4 cheque1. It is an unconditional order in writing,signed by the person giving it,requiring the banker to whom it is addressed to pay on demand a sum certain in money to ,or to the order of ,a specified person or to bearer.2.Crossing of chequesGeneral crossing:A. No name of a bank is indicated,the form of this type of crossing is as followB:add”banker”between the two parallelsC:add”&Co”between the two parallelsD:add “not negotiable”between the two parallels,which means”do not transfer the cheque”E:add”account payee”between the two parallels.it is instructions for the collecting bank,requiring it to collect only for the payee’s accountSpecial crossing:it contains the name of a bank which means the funds can only be collected through the named bank3.A (drawer)(X paying bank) relative bank ---B(payee/endorser)----C（endorsee/endorser）secondary debtorD(endorsee/holder/creditor)Differences between bills of exchange and cheque1. The payer of check must be a bank, and the drawer is the customer who opensa checking account with the drawee.2. Primary debtor3. There is only demand check.4. Check has the act of crossing and certifying.5. B/E can be drawn in a set while check only can be issued in one copy.6. A check can be canceled before payment, while the B/E’s payment is irrevocable after acceptance.Chapter31.Remittance,as a frequently used payment method in international trade,refers to the transfer of funds from one party to another among different countries.in this chapter,remittance particularly means that a bank ,at the request of customer,transfers a certain sum of money to its overseas branch or correspondent bank,instructing it to pay a named person domiciled in that country.Importer exporterRemittance(顺汇法) 资金和单据流向一致Importer exporterReserve remittance(逆汇法)资金与单据流向相反2. types of remittance一．Telegraphic transfer(T/T)The remittance bank sends its payment order to the paying bank bycable/telex/SWIFT.it si the most efficient and safest way to transfer fundsRemitter ①beneficiary②③⑤⑥Remitting bank ④paying bank⑦①sign the sales contract;②the remitter fills in an application;③the remitting bank offers the remitter a receipt;④payment order;⑤the paying bank notifies the beneficiary of the payment;⑥the beneficiary gets payment from the paying bank;⑦send a debit advice to the remitting bank二．Mail transfer(M/T)The remitting bank ,on the request of the remitter,transfers the funds by mailing a payment order or mail transfer advice,authorizing the paying bank to make payment to the payee or the beneficiary.三demand draft(D/D)Demand draft is a remittance that the remitting bank,at the request of the remitter,draws a demand draft on the paying bank, ordering the latter to pay a certain sum of money to the beneficiary(the payee of the draft)①Remitter ④beneficiary②③⑤⑥Remitting bank ⑦paying bank①sign the sales contract;② fills in an application for remittance③ draws a demanddraft and delivers it to the remitter④ send the draft to beneficiary⑤ the beneficiary presents the draft ⑥ the paying bank effect payment for beneficiary;⑦the paying bank sends a debit advice to the remitting bank.四．Comparison of T/T,M/T and D/DItems the proceeds occupiedBy remitting bank cost speed safetyT/T NO high fast safeM/T YES low slow payment order may be lost or delayedD/D YES low slow demand draft may be lost or delayed 五.When the paying bank has maintained an account with the remitting bank,a vostro account (来账)from the perspective of the remitting bank is established.when the remitting bank has maintained an account with the paying bank,the nostro account （往账）from the perspective of the remitting bank is establish。
银行英语情景口语对话：询问
银行英语情景口语对话：询问1 A：Excuse me.May I inquire about the balance of my account?B：Yes.Your account number,please. A：OK.My account number is 221233（two-two-one-two-three-three）.My name is Jim.B：One moment,please.Mr Jim,you've got the balance of 400 yuan in your account. A：Thank you.B：You're welcome. 1 A：请问我账户上的余额是多少？B：您的账户号码是多少？ A：我的账号是221233。
我叫吉姆。
B：请稍侯。
吉姆先生，您账上的余额是400元。
A：谢谢。
B：不客气。
2A：Hello.Would you tell me something about time deposit?B：Yes.We offer time certificates of deposit.It pays a higher rate of interest than regular deposits do. A：Well.How long do I have to keep the money in the account?B：You may choose from three-,six-,twelve-months maturity or a two-year maturity.More information is posted on the bulletin board on the left side in the lobby. A：Does the rate go up depending on how long I keep the account?B：Yes.But you must determine what maturity you want in the beginning. Naturally,certificates with the longermaturities bear a higher rate of return. A：By the way,what maturities are the most popular?B：Oh…,I think most of our customers use six- or twelve-month plans. A：Can I renew the certificate on maturity?B：Of course.You may renew it if you wish. 2 A：您好。
Terms of Payment 支付方式
LETTER FOUR
有关建议修改付款条件事宜，本公司乐意接受。并 以传真确认。 你方订单所列商品均可现货供应，一经收到你方电 汇货款便可包装付运。
非常抱歉我们必须要坚持我们的习惯作 法并真诚地希望不要因此而影响你我未来的 贸易关系。
一经你方询购的钢管到货自当立即与你 接洽。
第二十六页，编辑于星期五：十一点 五分。
LETTER THREE
Thank you for your letter of 10 March asking for a change in payment terms.
This arrangement has cost us a great deal of money. From the moment we open the credit until our buyers pay us, normally it ties up funds for about four months. This is currently a particularly serious problem for us in view of the difficult economic climate and the prevailing high interest rates.
LETTER TWO
过去我们从你方购进纺纱机零件通常都是 以保兑的、不可撤销的信用证来支付的。
按这种支付方式，我方花费很大。从我方 开立信用证到我们的客户向我们支付货款， 资金占压约达4个月之久。在目前的情形下， 由于经济不景气而且银行利率又比较高，这 使我们感到特别有压力。
如蒙你方能给予较宽容的支付条款，很有 可能给双边带来贸易的增长。我们提议以活 到凭单付现或开具见票三个月付款的汇票向 我方索款。
英汉会计用语A
A grand 一千美元（美俚）Abandoned assets 弃置资产，指完全不使用的资产Abatement 折扣、减税、冲销、废除、降价，指对税款的扣减，销售商品的折（降）价或对一项支出的注销。
Abatement of tax 减税Abject ['æbdʒekt]不幸的poverty 赤贫（状态）Abnormal [æb'nɔ:məl]反常的depreciation 特别折旧，由于非正常损耗所形成的折价Abnormal item 特殊项目Abnormal loss 非常损失企业遭受不可抗拒的天灾人祸而发生的损失Abnormal spoilage ['spɔilidʒ]损坏异常损失，实际损失超过在正常情况下经营所发生的损失Abnormal cost 原始成本，指资产所有者的实际支出数，不包括资产取得后发生的任何成本调整、变更、改良或者折价Absolute advantage 决定优势，指某一国家，企业或工人以较其竞争者低的成本提供某种产品或劳务的能力Absorption[əb'sɔ:pʃən]account 补助帐，指分类账有关项目的辅助或附加的帐表Accelerated [ək'seləreitid] depreciation 加速折旧Acceleration clause 提前偿付条款，指对提前偿付的义务，在契约中作明确的文字规定。
Acceptance 票据或汇票，一种承诺支付的书面证明，类似期票、本票。
Acceptance bank (house) 承兑银行，专门办理承兑业务的银行。
承兑银行业接受存款，但用户一般限于有承兑业务关系的商号。
Acceptance check 验收Acceptance contract 承兑合同，由付款人承认付款所签订的合同Acceptance credit 承兑信贷，银行应进口商请求开立远期信用证，出口商发货后，据以开出的汇票。
填境内汇款申请书
填境内汇款申请书【篇一：汇款申请书】附1申请日期 application date汇款申请书application for outward remittanceor条款一、如因下列情形而引致之任何损失，包括但不限于款项交付或通知延误；书函、电报或其他文件在寄发或传送途中遗失、残缺、错误、遗漏或延误；代理行或同业之行为；战争；检查或骚乱等；本地或外国政府或其行政机构所施行之一切法律、法令、条例、管制及其他难以控制之事故，本行概不负责。
二、有关电汇汇款之一切电文，本行可用文字或密码发出；对于代理行或同业之一切错误、疏忽或过失，或于收到时误解；本行概不负责。
三、在中国以外引致之一切费用收款人未支付，本行有权要求汇款人负担所有因此汇款而导致之一切费用。
四、此汇款如需退汇或更改，汇款人须候本行接到外国同业通知证明汇款已取消及按外国同业实际退回之款项照本行当日买入价折算退回汇款人。
本行有权要求汇款人负担所有因此而引致之一费用。
所有已收的电报费、邮费及手续费恕不退还。
1. the bank shall not be liable for but not limit to any loss or damage due to delay in payment or ingiving advice of payment; loss of items in transit or otherwise, mutilation, error, omission or delay in transmission or delivery of any item, letter, telegram or cable or the actions of our correspondents or other agencies or declared or undeclared war; censorship; civil commotion etc; or any law, decree, regulation, control, restriction or other act of a domestic or of foreign government. or other group or groups exercising governmental powers, whether de jure or de facto, or any actor event beyond our control.2.the bank may send any message relative to telegraphic transfer either literally or in cipher and is not to be liable for errors, neglects, or defaults of any correspondents, or other agencies; or from its misinterpretation when received.3. all charges incurred outside china are for the account of the beneficiary. however, the bank is entitled to reimbursement from the applicant/remitter for the expenses of the bank, its correspondents and agents.4. any request for cancellation or amendment has to be made by the applicant/remitter in person upon production of proper identity documents, and refund can only be made by the bank upon receipt of its correspondent’s effective confirmation of cancellation and at the bank’s current buying rate for the currency of the remittance at the time of refund. the bank is entitled to reimbursement from the applicant/remitter of the expenses so incurred by itself and its correspondents or agents. all cable/postage charges and commission collected are not refundable.【篇二：国际结算操作汇款人填制汇款申请书】1．填制汇款申请书的人是汇款人即进口商。
第一银行汇款申请单模板
一商業銀行股份有限公司（以下簡稱「本行」）概不負責。
any act or event beyond our control.
2.申請人應小心審閱本申請書所列出之各項匯款內容及規條。
2. All payment instructions which are written hereon should be checked carefully by the applicant in each case. 3.有關此筆匯款之一切電文，本行可用顯白言語、暗碼或密碼發出；對於代理
delay in payment or in giving advice of payment, loss of items in transit or otherwise, mutilation, error,
或其他文件在寄發或傳送途中所發生之錯誤，殘缺、遺漏、中斷或延誤；代
omission interruption or delay in transmission or delivery of any item, letter, telegram or cable or the actions of 理行或同業之行為；戰爭、檢查、封鎖、政變或騷亂；本地或外國政府或其
□貨款 goods □借款 debt □投資 investment □佣金 commission □其他 others：
匯款費用類別 Charge Type
□SHA－申請人負擔發電銀行費用；受款人負擔中間行及解款行之費用 Originator’s bank charges borne by
applicant; Paying bank and intermediary bank charges borne by beneficiary.