国际结算术语汇总(最新整理)
国际结算英文术语
国际结算英文术语国际结算(International settlement) 贸易(Trade Settlement) 非贸易(Non-Trade Settlement)EDI(Electronic Data Intercharge)电子数据交换,控制文件(Control Documents) 有权签字人的印鉴(Specimen Signatures) 密押(Test Key) 费率表(Terms and Condition) 货物单据化,履约证书化,( cargo documentation , guarantee certification) 权利单据(document of title) 流通转让性(Negotiability) 让与(Assignment) 转让(Transfer) 流通转让(Negotiation)汇票的定义是:A bill of exchange is an unconditional order in writing, addressed by one person to another, 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 the order or specified person or to bearer.“汇票” (bill of exch ange,exchange 或draft) 无条件支付命令(unconditional order to pay) 出票条款(drawn clause) 利息条款(with interest) 分期付款(by stated instalment) 支付等值其它货币( pay the other currency according to an indicated rate of exchange) 付款人(payer) 受票人(drawee)付款期限(time of payment)或(tenor) 即期(at sight, on demand, on presentation)付款。
国际结算名词解释
国际结算(international settlement)是一项国际间债权债务关系或跨国转移资金而通过银行来完成的跨国(地区)货币收付活动。
信用工具(financial instruments)是以书面形式发行和流通,用以证明债权人权利和债务人义务的契约证书。
汇款(remittance)托收(collection)信用证(letter of credit 简称L/C)保付代理(简称保理,factoring)包买票据(forfaiting)单据(documents)国际贸易结算中使用的所有商业单据与金融单据。
商业单据(commercial documents)指的是狭义的单据。
常见的单据:发票(invoice),提单(bill of lading,简称B/L),保险单(insurance policy),附属单据(海关发票、领事发票)等国际贸易融资(international trade finance)又叫国际结算融资,指围绕国际贸易结算的各个环节发生的资金和信用融通活动。
SWIFT把银行业务分为9大类型:1.客户汇款(customer transfer)2.银行间头寸调拨(bank transfer)3.外汇业务(foreign exchange confirmation)4.托收业务(collection)5.证券业务(securities)6.贵金属和银团贷款业务(precious metal and syndication)7.信用证和保函(documentary credit and guarantees)8.旅行支票(travelers cheques)9.银行帐单处理(statements)清算(clearing)是指不同银行之间因资金的代收、代付而引起的债权债务通过票据清算所或清算网络进行清偿的活动。
清算所同业支付系统(CHIPS)是作为替代纸票据清算的一个电子系统。
也是一个贷记转帐系统。
国际结算名词
国际结算(international settlement)是指为了清偿国际债权债务关系或跨国转移资金而发生在不用国家之间的货币收付活动。
汇出行(Remitting Bank)是受汇款人委托而汇出款项的银行。
汇入行(Paying Bank)也称解付行,是接收汇出行委托并将款项支付给收款人的银行收款人(Payee)是汇出款的最终接受者。
电汇(Telegraphic Transfer, T/T)是汇出行应汇款人的申请,通过加押电报或电传的方式指示汇入行解付一定款项给收款人的方式。
信汇(mail transfer,M/T)是指汇出行应汇款人的申请,通过信函指示汇入行解付一定款项给收款人的方式。
票汇(Demand Draft,D/D)是汇出行应汇款人的申请,开立以汇入行为付款人的银行汇票,交汇款人由其自行携带出国或寄给收款人凭票取款的汇款方式。
汇款(remittance)是指银行接受客户的委托,通过其自身建立的通汇网络,委托国外联行或代理行将客户的款项交付给收款人的一种结算方式。
托收(collection)指银行根据手袋的指示(托收指示)处理金融单据和/或商业票据,以便取得付款和/或承兑;凭付款和/或承兑交单;按照其他条款和条件交单的一种结算方式。
信用证(letter of credit,L/C)是银行开立的有条件的承担第一性付款责任的书面文件。
具体来说,它是银行(开证行)根据进口方(开证申请人)的要求和指示,向出口方(受益人)开立的,在一定期限内凭符合信用证款规定的单据,即期或在可以确定的将来的日期,对出口方支付一定金额的书面保证文件。
付款交单(Documents against Payment, D/P)是指委托人指示代收行在付款人付清款项后将单据交出。
即付款人“付款在先,取单在后”,付款是取单的先决条件。
承兑交单(documents against acceptance,D/A)买方对卖方开具的见票后当天付款的跟单汇票,于提示时应即承兑,并应于汇票到期日即予付款。
(完整版)国际结算名词解释
国际结算(International settlement):是指两个处于不同国家的当事人,(因为商品买卖、服务供应、资金调拨、国际借贷)通过银行进行的货币收付业务。
汇票(Bill of Exchange):是由一人向另一人签发的书面的无条件的命令,要求其立即、或定期,或在将来可以确定的时间,把一定金额的货币支付给一个特定的人,或他的指定人,或来人。
本票(Promissory Note):是一项书面的无条件的支付承诺,由一人做成,并交给另一人,经制票人签名承诺即期或定期或在可以确定的将来时间,支付一定数目的金钱给一个特定的人或其指定人或来人。
支票(Cheque):是一种以银行为付款人的即期汇票。
汇款(Remittance):由汇款人委托给银行,将款项汇交给收款人的一种结算方式,是一种顺汇方式。
托收(Collection):是委托收款的简称。
卖方在装船后根据贸易合同的规定,委托当地银行通过买方所在地银行向买方收取货款的行为。
信用证(Letter of Credit):是一种银行开立的有条件的承诺付款的书面文件。
商业发票(COMMERCIAL INVOICE):是出口商向进口商开立的发货价目清单,记载有货物名称、数量、价格等内容,是卖方向买方计收货款的依据。
海运提单(Marine/Ocean Bills of Lading):是要求港至港(Port to Port)的运输单据。
是由承运人或其代理人根据海运合同签发给托运人的证明文件,表明货物已经装上指定船只或已经收妥待运,约定将货物运往载明的目的地,交给收货人或提单持有人。
保险单(INSURANCE policy):是保险公司对被保险人的承保证明,又是双方之间权利义务的契约,在被保险货物遭受损失时,它是被保险人索赔的主要依据,也是保险公司理赔的主要依据。
分行(Branch Bank):到国外开设自己的分支机构。
国外分行是其总行在东道国经营常规银行业务的合法经营机构。
(完整版)参考资料:《国际结算》相关术语中英文对照与中文名词解释
参考资料:《国际结算》相关术语中英文对照国际结算 International Settlement有形贸易 Visible Trade无形贸易 Invisible Trade洗钱 Money Laundering支付协定 Payment Agreement国际结算制度 System of International Settlement支付系统 Payment System代表处 Representative Office代理处 Agency Office海外分、支行(境外联行) Overseas Sister Bank/Branch,Subbranch 代理银行 Correspondent Banks附属银行(子银行) Subsidiary Banks联营银行 Affiliated Banks银团银行 Consortium Bank票据 Instrument设权性 Right to Be Paid无因性 Non causative Nature要式性 Requisite in Form流通性 Negotiability可追索性 Recoursement基本当事人 Immediate Parties附属当事人 Remote Parties出票人 Drawer付款人 Payer,Drawee收款人 Payee背书人 Endorser被背书人 Endorsee持票人 Holder承兑人 Acceptor保证人 Guarantor汇票 Bill of Exchange限制性抬头 Restrictive Order指示性抬头 Demonstrative Order持票来人抬头 Payable to Bearer出票日期 Date of Issue出票人签字 Signature of the Drawer出票地点 Place of Payment付款地点 Place of Payment付款日期 Tenor见票即付 At Sight or on Demand定日付款 At a Fixed Date见票后定期付款 At a Fixed Period after Sight出票后定期付款 At a Fixed Period after Date付一不付二 Pay This First/Second Bill担当付款人 Person Designated as payer预备付款人 Referee in Case of Need必须提示承兑 Presentment for Acceptance Required 不得提示承兑 Acceptance Prohibited付对价持票人 Holder for Value正当持票人Holder in Due Course/Bona Fide Holder 银行汇票 Banker’s Draft商业汇票 Trade Bill承兑汇票Acceptance Bill银行承兑汇票 Banker’s Acceptance Bill商业承兑汇票 Trade’s Acceptance Bill即期汇票 Sight Draft ,Demand Draft远期汇票 Time Bill, Usance Bill光票 Clean Bill跟单汇票 Documentary Bill本票 Promissory Note商业本票Promissory Note银行本票 Cashier’s Order/Check国际汇票 Overseas Money Order支票 Cheque or Check出票 Issue背书 Indorsement承兑 Acceptance保证 Guarantee保付 Certified to Pay提示 Presentation付款 Payment拒付 Dishonour追索 Recourse顺汇 Remittance逆汇 Reverse Remittance汇款人 Remitter汇出行 Remitting Bank汇入行 Paying Bank收款人 Payee电汇 Telegraphic Transfer信汇 Mail Transfer票汇 Remittance by Banker’s Demand Draft预付货款 Payment in Advance货到付款 Payment after Arrival of the Goods托收 Collection委托人 Principal托收行 Remitting Bank代收行 Collecting Bank付款人 Drawee提示行 Presenting Bank托收申请书 Collection Application托收委托书 Collection Advice信用证 Letter of Credit议付行 Negotiating Bank偿付行 Reimbursing Bank开证申请人Applicant开证行 Issuing Bank受益人 Beneficiary通知行 Advising Bank保兑行 Confirming Bank付款行 Paying Bank光票信用证 Clean Credit跟单信用证 Document Credit不可撤销信用证Irrevocable Credit可撤销信用证 Revocable Credit保兑信用证 Confirmed Credit不保兑信用证 Unconfirmed Credit即期付款信用证 Sight Payment Credit延期付款信用证 Deferred Payment Credit承兑信用证 Acceptance Credit转让信用证 Transferable Credit不可转让信用证 Nor-transferable Credit背对背信用证 Back to Back Credit循环信用证 Revolving Credit预支信用证 Anticipatory Credit银行保函 Letter of Guarantee申请人 Applicant/Principal受益人 Beneficiary担保行 Guarantor Bank通知行 Advising Bank转开行 Reissuing Bank反担保行 Counter Guarantor Bank保兑行 Confirming Bank投标保函 Tender Gurantee履约保函 Performance Gurantee预付款保函 Advanced Payment Gurantee质量保函Quality Gurantee关税保付保函 Customs Gurantee付款保函 Payment Gurantee延期付款保行 Defeerd Payment Gurantee补偿贸易保函 Compensation Gurantee来料加工保函 Processing Gurantee租赁保函 Lease Gurantee借款保函 Loan Gurantee保释金保函 Bail Bond票据保付保函Gurantee For Bill费用保付保函 Payment Gurantee for Commission 备用信用证 Stand-by Letter of Credit单据 Documents商业发票 Commercail Invoice首文 Heading正文Body海关发票 Customs Invoice形式发票 Proforma Invoice领事发票 Consular Invoice样品发票 Sample Invoice广商发票 Manufacturer Invoice证实发票 Certified Invoice货物运输单据 Transport documents海运提单Marine Bill of Loading托运人 Shipper/Consignor承运人 Carrier收货人 Consignee受让人 Transferee or Assignee已装船提单 Shipped on Board待运提单 Received for Shipment直达提单Direct B/L转船提单 Transshipmen B/L联运提单 Through B/L清洁提单 Clean B/L不清洁提单 Unclean B/L记名提单 Straight B/L不记名提单 Open B/L指示性提单 Order B/L简式提单 Short Form B/L全式提单 Long Form B/L班轮提单 Liner B/L租船提单 Charter B/L运输代理行提单 Horse B/L过期提单 Stale B/L倒签提单Anti-dated B/L集装箱运输提单 Container B/L多式运输 Multimodal Transport多是运输单据Multimodal Transport Document不可流通转让的海运单 Non-negotiable Sea Waybill租船合约提单 Charter Party Bill of Lading航空运单 Airway Bill基本险 Chief Risk一般附加险 Additional Risk特殊附加险 Special Additional Risk保险单 Insurance Policy预约保险单Open Policy of Open Cover保险凭证 Insurance Certificate保险声明 Insurance Declaration联合凭证 Combined Certificate暂保单 Cover Note商品验证说明 Inspection Certificate产地证明书 Certificate of Origin包装单据 Packing Document装货箱 Packing List重量单 Weight List打包贷款 Packing Credit/Loan出口押汇 Outward Bill质押书 Letter of Hypothecation出口托收押汇 Advance against Documentary Collection 银行承兑 Bank’s Acceptance票据贴现 Bill Discount出口发票 Invoice Discounting进口开证额度 Limits for Issuing of Credit信托收据 Trust Receipt, T.R, T/R留置权书 Letter of Lien进口押汇 Inward Bills进口信用证押汇 Inward Bill Receivables买房远期信用证 Buyer’s Usance L/C提货担保 Delivery against Bank Guarantee国际保理 International Factoring销售分户账管理 Maintenance of The Sales Ledger债款回收 Collection from Debtors信用销售控制 Credit Control坏账担保 Full Protection Against Bad Debts贸易融资 Trade Financing福费廷 Forfaiting贴现率 Discount Rate承诺费 Commitment Fee利息补贴 Interest Make-up侨汇 Overseas Chinese Remittance外币兑换业务 Exchange of Foreign Currency旅行支票 Traveler’s Cheque信用卡 Credit Card万事达卡 Master Card维萨卡 VISA Card运通卡 American Express Card大莱卡 Diners Club Car国际贸易结算:以票据为基础,单据为条件,银行为中枢,结算与融资相结合的非现金结算体系。
(完整版)国际结算名词解释
1、Bill of exchange(汇票): an unconditional order in writing addressed by one person toanother, signed by the drawer, requiring the drawee 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 bearer.2、Sight bill(demand bill, or sight draft即期汇票):is payable at sight, on demand, or onpresentation.3、Usance bill (time draft , or term draft 远期汇票):is payable at a fixed or determinablefuture time.4、promissory note(本票): an unconditional promise in writing made by one person toanother, 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, a specified person or to bearer.5、Trader’s note(商业本票): The maker is a trader, say, an individual or an enterprise.6、Banker’s note(银行本票):It is made by a bank, usually on demand.7、Check(支票):an unconditional order in writing, signed by the person giving it, requiringthe drawee bank to whom it is addressed to pay on demand a sum certain in money to, or the order of a specified person or the bearer.8、Crossed check(划线支票): It means the check bearing two parallel lines on the face. It mustbe paid into a bank account and cannot be cashed over the counter.9、Uncrossed check(open check 非划线支票):Those bearing no crossing on the face are calleduncrossed checks.10、Certified check(保兑支票):It is a check that is certified by the drawee bank. Once it is certified, all other obligors on the check will be discharged of the liability of payment.11、Collection(托收):an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and / or shipping documents are forwarded to the seller’s bank with clear instructions for collection through one of its correspondent bank located in the domicile of the buyer.12、Clean collection(光票托收):a collection on financial documents without being accompanied commercial documents such as invoices, bill of lading, insurance policy, etc.13、Documentary collection(跟单托收):a collection on financial instruments being accompanied by commercial documents or collection on commercial documents without being accompanied by financial documents.14、Factoring(保理):A factoring contract means a contract pursuant (依照)to which a supplier (供应商)may or will assign accounts receivable (应付账款)to a facto r for ledgering receivables(计应收款分类账), collecting proceeds and / or protecting against bad debts. 15、Forfeiting(票据包买业务):is the business of discounting medium-term and long-term promissory note or drafts without recourse related to an international trade transaction. The promissory notes or drafts are accepted by the importer and guaranteed b y an importer’s bank ensuring the holder that the importer will pay it at maturity.16、Letter of credit(信用证): is a letter written by a bank to the beneficiary, informing the beneficiary that the bank will pay a sum certain in money to the beneficiary if the beneficiary provides the bank with certain described documents within a prescribed time period.17、Acceptance credit(承兑信用证):the acceptance credit is one that indicates a bank which is called accepting bank, be it the issuing bank or another nominated bank, to accept and pay the face value of draft drawn on this bank at maturity.中心汇票汇款(票汇的一种)寄售consignment 预付payment in advance 赊销open account跟单托收documentary collection 备用信用证standby letters of credit代理行correspondent bank 控制文件control documents费率表schedule of terms and condition 密押telegraphic test keysSwift 核实押swift authentic key 签字样本specimen of authorized signatures我账(往账)Nostro account 你账(来账)vostro account对价持票人Holder for value 正当持票人,善意持票人holder in due course 退票通知Notice of Dishonor 拒绝证书protest (由notary public开立)追索权Right of recourse 远期本票(见票后定期付需要“签见”) 光票托收clean collection买单Bill purchased 托收贷款advance against collections信托收据trust receipt 进口押汇import bill advance担保放货Release of goods against guarantee 偿付行reimbursement bank索偿行claiming bank 光票信用证clean credit跟单信用证documentary credit 保兑信用证confirmed credit不保兑信用证Unconfirmed credit 即期信用证sight credit延期信用证deferred credit 承兑信用证acceptance credit (包含seller's usance credit和buyer’s usance credit)议付信用证Negotiation credit(自由议付信用证free negotiation credit和限制议付信用证restricted negotiation credit) 预支信用证anticipatory credit可装让信用证transferable credit 背对背信用证Back to back credit对开信用证reciprocal credit 循环信用证revolving credit海运提单marine bills of lading 承运人carrier托运人shipper/consignor 收货人consignee被通知人notify party 已装船提单shipped on board bill of lading备运提单received for shipment B/L 清洁提单clean B/L不清洁提单Unclean B/L 直达提单direct B/L转船提单transshipment B/L 联运提单through B/L记名提单named consignee B/L 指示提单order B/L全式提单long form B/L 简式提单short form B/L班轮提单liner B/L 租船提单charter party B/L集装箱提单container B/L 甲板提单on deck B/L空运单airway bill 铁路运单railway bill多式联运单据Multimodal transport document 保险单insurance policy保险凭证insurance certificate 暂保单cover note 预约保单open account原产地证明certificate of origin 产品检验证书inspection certificate装箱单和重量单packing list and weight list 打包贷款packing loan出口汇押/信用证项下议付negotiation under L/C 汇票贴现bill account投标包含tender guarantee/bill bond 履约保函performance guarantee还贷保函repayment guarantee 预付款保函advance payment guarantee透支保函overdraft guarantee 维修保单maintenance guarantee保函letter of guarantee 国际保理international factoring快邮收据courier receipt。
国际结算名词解释
《国际结算》关键术语第一章国际结算导论国际贸易结算: 以票据为基础, 单据为条件, 银行为中枢, 结算与融资相结合的非现金结算体系。
现金结算: 指在贸易中, 双方直接用现金进行收付的行为。
非现金结算: 指在贸易中, 双方使用非现金的形式如通过银行进行结算等其他方式。
现汇结算: 指贸易双方选择可自由兑换货币即国际货币进行结算的方式, 可以是现金与票据或银行信用。
记账结算: 也称协定贸易结算, 指国家之间所签贸易协定下的商品进出口贸易结算, 只用于支付对方国债务, 通过银行办理记账结算, 不能自由运用。
货币可兑换性:指一国货币的自由兑换程度, 只要不受限制可以自由兑换其他货币则为可兑换货币, 反之, 则不可兑换。
国际商会: (ICC)国际民间组织, 致力于协调国际贸易纠纷, 并制定国际统一规则与惯例, 虽非强制性公约, 但被各国普遍接受。
贸易术语: (Trade Terms)是规定价格的构成与买卖双方各自的责任、费用、风险以与确定货物所有权转移时限的专门用语。
推定交货: 即货物单据化, 以货物单据代表货物所有权, 从而只处理货运单据而不管货物。
大额资金转账系统: 即大额支付系统, 是国际贸易中一国资金支付清算体系的主干线, 其运行将对金融市场与金融体系效率产生重大影响。
小额定时结算: 即满足社会经济中资金流动额度较小而业务量大的支付系统, 一般由极强的支付能力如各国银行系统、私营清算机构经营。
FEDWIRE:联邦资金转账系统, 属于美联储, 即美元清算体系一员, 是一个实时的、全额的、贷记的资金转账系统, 包括电子薄记式政府证劵转账系统。
CHIPS:清算所同业支付系统, 由纽约清算协会拥有的私营支付系统, 与前者类似, 是一个贷记转账、作为替代纸票据清算的电子系统。
CHAPS:交换银行自动收付系统, 一种以英镑为主的清算体系。
TARGET:欧洲间实时全额自动清算系统, 即是一个跨国大额支付系统。
负责欧元国家间大额欧元交易的清算。
(完整word版)国际结算名词解释汇总
国际结算名词解释汇总不同国家的当事人(不论是个人间的、单位间的、企业间的的、或政府间的)因为商品买卖、服务供应、资金调拨、国际借贷,需要通过银行办理的两国间货币收付业务叫做国际结算。
或国与国之间发生的货币收付(即结清国家之间买卖双方间以货币表现的债权债务)就是国际结算。
票据:广义票据指代表商业权利的凭证,如发票、提单、保险单、仓单等。
该凭证的权利是可以转让,票据具有流通、转让的特性,故票据又是流通证券.狭义票据是指以支付金钱为目的的证券.由出票人在票据上签名,无条件地约定自己或指定他人支付一定金额,可以流通转让。
约定出票人本人付款,则是本票,由另一人付款,则是汇票或支票。
国际结算中的票据指的就是狭义票据既:汇票、本票和支票。
汇票:是一人开至另一人的书面的无条件命令,由发出命令的人签名,要求接受命令的人立即或在固定的时间,或在可以确定的将来时间,把一定金额货币支付给一个特定的人或他的指定人,或来人。
.即使不加文字说明,也可称为背书.持票人是收款人或被背书人时,要把票据权利转让给他人,必须在票据背面签字并经交付,则汇票权利即由背书人转移至被背书人。
只有持票人,即收款人或被背书人才能有权背书汇票.背书包括两个动作,一个是在汇票背面签字,另一个是交付给被背书人,只有经过交付,才算完成背书行为,使其背书有效和不可撤消。
票据行为:有狭义与广义之分,狭义票据行为是以负担票据上的债务为目的所做的必要形式的法律行为,那就是出票、背书、承兑、参加承兑、保证。
其中出票是主票据行为,其他行为都以“出票"所开立的票据为基础,因此称为附属票据行为。
广义的票据行为除了上述狭义的票据行为以外,还要包括处理票据中有专门规定的行为,如提示、付款、参加付款、退票、行使追索权等行为。
票据开出是要式的,票据行为也是要式的,因此要符合票据法的规定。
承兑:远期汇票的付款人签名表示同意按照出票人命令而付款的票据行为。
提示:持票人将汇票提交付款人要求承兑或要求付款的行为叫做提示贴现:是指远期汇票承兑后尚未到期,由银行或贴现公司从票面金额中扣减按照一定贴现率计算的贴现息后,将净款付给持票人,从而贴进票据的行为.本票:是一项书面的无条件的支付承诺,由一人作成,并交给另一人,经制票人签名承诺即期或定期或在可以确定的将来时间,支付一定数目的金钱给一个特定的人或其指定人或来人支票:A 支票定义支票是以银行作为付款人的即期汇票。
国际结算 重点名词解释
一、名词解释国际结算:是指国际间由于政治、经济、文化、外交、军事等方面的交往或联系而发生的以货币表示的债权债务的清偿行为或资金转移行为。
国际贸易结算:以票据为基础,单据为条件,银行为中枢,结算与融资相结合的非现金结算体系。
票据:是指由出票人签发的,具有一定格式,约定债务人按期无条件支付一定金额,并经过背书可转让的书面支付凭证。
(有价证券之父)汇票:是出票人签发的,委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。
本票:出票人签发的,承诺自己在见票时无条件支付确定金额给收款人或者持票人的票据。
支票:银行存款户根据协议向银行签发的即期无条件支付命令。
背书:是指持票人在票据背面签名,并交付给受让人的行为。
顺汇:系统结算工具的流向与货款的流向是同一个方向,是由债务人主动将款项交给本国银行,委托该银行通过某种结算工具的使用将汇款汇付给国外债权人或收款人。
逆汇:系统结算工具的流向与货款的流向是反方向。
是由债权人通过出具票据委托本国银行向国外债务人收取汇票金额的结算方式。
电汇(T/T):是汇出行应汇款人的申请,代其开立以汇入行为付款人的银行即期汇票,并交换汇款人,由汇款人自寄或者自带给国外收款人,由收款人到汇入行凭票取款的汇款方式。
信汇(M/T):是汇出行应汇款人的申请,用航空信函指示汇入行解付一定金额给收款人的汇款方式。
票汇(D/D):是汇出行应汇款人的申请,代其开立以汇入行为付款人的银行即期汇票,并交换汇款人,由汇款人自寄或者自带给国外收款人,由收款人到汇入行凭票取款的汇款方式。
托收:是银行根据委托人的指示处理金融单据或商业单据,目的是取得承兑或付款,并在承兑或付款后交付单据的行为。
包括光票托收和跟单托收两种基本形式。
光票托收:指不附带任何货运单据的票据的托收。
其货运单据由卖方直接寄交卖方,汇票则委托银行托收。
常见的有银行汇票、本票、支票、旅行支票和商业汇票等。
跟单托收:是随货运单据的托收,是出口商在装运货物后,将汇票(也可以不要汇票)连同货运单据交给银行,委托银行代为收款的一种结算方式。
国际结算术语翻译
国际结算(International Settlement)、票据(Commercial Paper)、流通转让性(Negotiability)、过户转让(Assignment)、交付转让(Transfer)、流通转让(Negotiation)、汇票(Bill of Exchange)、本票(Promissory Note)、支票(Cheque)、限制性抬头(Restrictive Order)、指示性抬头(Demonstrative order)、来人抬头(Payable to Bearer)、出票条款(Drawn clause)、光票(Clean Bill)、跟单汇票(Documentary Bill)、记名背书(Special Endorsement)、空白背书(Endorsement in Blank)、限制背书(Restrictive Endorsement)、提示(Presentment)、承兑(Acceptance)、拒付(Dishonor)、追索(Recourse)、汇款(Remittance)、收款人(Payee)、赊账交易(Open Account Transaction)、预付货款(Payment in advance)、售定(Be sold out/up)、寄售(Consignment)、托收(Collection)、委托人(Consignor Principal)、托收行(Remitting Bank)、代收行(Collecting Bank)、付款交单(Documents against Payment,简称D/P)、承兑交单(Documents against Acceptance简称D/A)、信用证(Letter of Credit,简称L/C)、承付(Honour)、议付(Negotiation)、开证申请人(Applicant)、受益人(Beneficiary)、即期付款信用证(sight payment L/C)、延期付款信用证(Deferred Payment Credit)、公开议付信用证(Free Negotiable L/C)、保函(Letter-of Guarantee, L/G)、独立保函(Letter of Independent Guarantee)、从属保函(Letter of Accessory Guarantee)、备用信用证(stand-by L/C)、国际保理(International Factoring)、保理商(Factor)、到期保理(Maturity Factoring)、融资保理(Financed Factoring)、福费廷(Forfaiting)、选择期(Option Period)、承担期(CommitmentPeriod)、多收期(Grace Days)、商业发票(Commercial Invoice)、海关发票(Customs Invoice)、形式发票(Proforma Invoice)、提单(Bill of Lading ,B/L)、物权凭证(Document of Title)、承运人(Carrier)、托运人(Shipper)、收货人(Consignee)、记名提单(Named consignee B/L)、不记名提单(open B/L)、指示提单(order B/L)、航空运单(Airway Bill, AWB)、承运货物收据(Cargo Receipt-C/R)、联合运输单据(Combined Transport Document -CTD)、保险单(Insurance Policy)。
国际结算一些术语(整理)
国际结算⼀些术语(整理)信⽤证业务信⽤证是银⾏(开证⾏)根据进⼝商(申请⼈)的要求和指⽰向出⼝商(受益⼈)开⽴的、在⼀定期限内凭规定符合信⽤证条款的单据,即期或在⼀个可以确定的将来⽇期,兑付⼀定⾦额的书⾯承诺。
银⾏信⽤证业务包括出⼝信⽤证业务和进⼝信⽤证业务。
进⼝信⽤证银⾏根据客户(开证申请⼈)的申请向受益⼈开⽴的、承诺在规定的⾦额和期限内凭规定的单据付款、承兑或议付汇票的书⾯保证⽂件。
功能与优势:1、进⼝信⽤证是为国内进⼝商提供的⼀种国际结算⼯具。
2、银⾏作为开证⾏负第⼀性的付款责任;3、出⼝商的收款有了银⾏的保证,有利于贸易双⽅在互不熟悉的情况下降低结算风险;4、在银⾏有综合授信的客户,申请开证时不必交付全部开证保证⾦,可以避免流动资⾦的⼤量占⽤。
在付款遇到资⾦紧缺时也可申请办理进⼝押汇。
业务流程:1、开证申请。
客户提交开证申请书及相关材料;需要授信开证的,还应提交授信审批所需⼿续;如需办理进⼝押汇应予以说明。
2、开证审批。
银⾏按照审批流程进⾏审批。
已核定授信额度的客户开证审批时间⼀般在1-2个⼯作⽇。
3、开⽴信⽤证。
银⾏根据信⽤证申请书内容选择通知⾏后通过SWIFT发送信⽤证。
4、信⽤证修改。
如客户需对已开出信⽤证进⾏修改,应向银⾏提交信⽤证修改申请书,银⾏据以发出修改电⽂。
对修改涉及增加⾦额的,需按照开证审批程序重新进⾏审批。
5、信⽤证来单。
银⾏收到国外来单后,按“单证⼀致,单单⼀致,表⾯相符”的原则,对单据进⾏全⾯审核。
6、来单通知。
银⾏当⽇将到单情况通知客户,并说明单据是否存在不符点。
7、客户确认。
客户应在规定时间内书⾯确认是否同意付款/承兑。
如未在规定的时间答复,视为同意付款或承兑。
8、客户付款。
客户应在规定的时间内备⾜款项,办理付款。
付款时应按照规定办理国际收⽀申报。
客户需要融资时,应提前办理申请进⼝押汇有关⼿续。
9、对外付款/承兑/拒付。
(1)付款。
银⾏在规定时间内按照国外银⾏指⽰对外付款。
(完整版)国际结算术语汇总
International Settlements termsChapter one Brief introduction to international trade transshipmen 转运capacity容量,生产量inspection检查,视察,检验,商检arbitration仲裁,公断inquiry质询,调查,询盘,问价quotation价格,报价单,行情表,报价facilitate便利,使容易1oan facility贷款便利domestic家庭的,国内的domestic product国内生产的产品consideration体谅,考虑,需要考虑的事项,报酬,因素dimension尺寸,尺度,维(数),体积warehouse 仓库v.存仓premises房屋及周围的土地,这里表示“公司或企业的所在地”amendment改善,改正,修改update使现代化,使跟上最新的发展reversal颠倒,逆转,反转,倒转fulfill履行,实现,完成(计划等)fulfill ones obligation履行(职责)formality拘谨,礼节,正式手续quay码头procure获得,取得to procure marine insurance 办理海上保险to procure ship租船breach n.违背,破坏,破裂breach of the contract毁约frontier国境,边疆,边境adjoin邻接,临近,毗邻adjoining邻接的,隔壁的,临近的the adjoining room隔壁的房子adjoining country邻国furnish供应,提供,deficiency缺乏,不足jurisdiction权限,司法权,裁判权fluctuation波动,起伏variation变更,变化,变异,变种permutation置换,彻底改变,兑变commitment委托事项,许诺,承担义务,承诺domicile住处,法定居住地currency/foreign exchange fluctuation汇率波动multi—modal transportation多式联运percentage of insurance投保比率force majeure不可抗力opposing party对方delivery arrangement交货安排sales contract销售合同respective obligation各自的责任International Chamber of Commerce国际商会(1920年在巴黎设立的重要工商组织,1946年成为联合国经社理事会的咨询机构,下设许多机构从事有关金融、贸易、税收、运输、商务仲裁、工业产权保护等专门研究。
国际结算专业术语
2. 商业信誉(银行是中介)
3. 关系人:委托人/托收行/代收行(提示行)/付款人 4. 托收种类:光票托收和跟单托收 5. 基本流程:申请--- 回执--- 寄单索偿(托收指示、单据)--提示单据要求付款或承兑才交单----付款或承兑
----偿付托收行-----收到头寸解付委托人
6. 交单三种方式:即期付款交单---远期付款交单---承兑交单 7. 托收项下贸易融资:出口押汇 8. 托收风险
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● 委托人 // 托收行 // 代收行 // 提示行 // 付款人 ( 托收 )
● 出口方 // 出口保理商 // 进口保理商 // 进口商 ( 保理 )
● 申请人 // 开证行 // 转递行 // 通知行 // 保兑行 // 中间商 转让行 // 受让行 // 受益人 // 指定银行 // 付款行 承兑行 // 议付行 // 寄单行 // 索偿行 // 偿付行 (信用证)
信用证结算专业术语 和关联词
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复杂的信用证关系人
申请人 通知行 指定银行 转让行 付款行 受益人 保兑行 承兑行 开证行 转递行 议付行
索偿行
偿付行
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通常的跟单信用证
不可撤销信用证 保兑信用证 即期付款信用证 延期付款信用证
承兑信用证
限制议付信用证 自由议付信用证 五种信用证使用方式分析
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06.08. 办理汇款日
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汇款方式的关联词
◆ 结算方式:汇款----商业信誉/托收/信用证
◆
◆ ◆ ◆
顺汇(汇款)---逆汇(托收/信用证)
当事人:汇款人/汇出行/汇入行、解付行/收款人 汇款方式三种:信汇、电汇、票汇 基本流程:申请---回执---按汇路通知与资金划拨--收到头寸与解付---签收或退汇
(完整版)国际结算专业词汇
国际结算专业词汇Acceptance n. 接受,承兑,承认The act of giving a written undertaking on the face of a usance bill of exchange to pay a stated sum on the maturity date indicated by the drawee of the bill, (usually in exchange for documents of title to goods shipped on D/A terms) - see Collections Introduction.Acceptance Credit 承兑信用证A documentary credit which requires the beneficiary to draw a usance bill forsubsequent acceptance by the issuing bank or the advising bank or any other bank as the credit stipulates - see Documentary Credits.Accommodation Bill 融通票据,欠单In the context of fraud, a bill drawn without a genuine underlying commercial transaction.Accountee n. 开证申请人,开证帐户主Another name for the applicant/opener of a documentary credit i.e. the importer = the person for whose account the transaction is made.Advice of Fate 出险事故通知The Collecting Bank informs the Remitting Bank of non- payment/non-acceptance or (for D/A bills) of acceptance and the bill maturity date - see Handling Import Collections.Advising a. 指导,通知Act of conveying the terms and conditions of a DC to the beneficiary. The advising bank is the issuing bank agent, usually located in the beneficiary country - see Export - DC Advising.Advising also involves authentication i.e. advising bank should take reasonable care to check the apparent authenticity of the credit (ICC UCC 500 Art 7).Amendment n. 修改Alteration to the terms of a DC; amendments must stem from the applicant, be issued and advised to the beneficiary; the beneficiary has the right to refuse an amendment if the credit is irrevocable - see Amendments to DCs.Applicant n. 申请人One who applies to his bank to issue a documentary credit; in the majority of credits issued the applicant is an importer of goodsB返回Back-to-Back Credit 背对背信用证,转开信用证A credit issued against the security back of another credit (master credit) on the understanding that reimbursement will stem from documents eventually presented under the first credit (master credit) issued - see Special DCs. It follows therefore that each side of a B/B transaction covers the shipment of the same goods. Beneficiary n. 受益人,受款人A payee or recipient, usually of money.A party in whose favour a documentary credit is established, usually the exporter. Bill for Collection (BC) 托收票据Document(s) or cheque submitted through a bank for collection of payment from the drawee.Bill of Exchange (B/E) 汇票An unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at fixed or determinable future time a sum certain in money to or to the order of a specified person, or to bearer.Bill of Lading (B/L) 提单A receipt for goods for shipment by sea. It is a Document of Title: see Documents.Bill Receivable (BR) 应收票据Bills which are financed by the receiving branch, whether drawn under a DC or not, are treated as BRs by both the remitting branch and the receiving branches - see Bills Receivable.Blank Endorsed 空白背书,无记名背书When a bill of lading is made out to order or shipper order and the shipper has signed on the back of it, it is said to be blank endorsed. The bill of lading then becomes a bearer instrument and the holder can present it to the shipping company to take delivery of the goods.C返回Carrier n. 运输行,货运商,承运人,货船,运载工具Person or company undertaking for hire the conveyance of goods e.g. shipping companyCase of Need (票据用语)如有必要,需要时的代理Agent nominated by a principal, to whom the collecting bank may refer in specified circumstances concerning collections - see the sections on Collections.Chaser n. 提示行Reminder sent by the collecting (or DC issuing) bank to the importer, repeating a request for payment - see Handling Import Collections.Clean a. 清洁的,未写过的,不附保留条件的Used to describe a draft/cheque with no shipping documents - see Collections Introduction.Used to describe a bill of lading without clauses that expressly declare a defective condition of the goods or the packing.Clean Bill Purchased 购光票A collection bill purchased with no shipping Purchase documents - see FinancingExport Collections.Clean Bill Receivable (CBR) 不附带单据应收票据BR (Bill Receivable) with no shipping documents. The term is more often used for non-trade bills such as travellers cheques.Clean Collection 光票托收A draft with no documents Collection attached - see Collections ?Introduction?Clean Import Loan (CIL) 无抵押进口商融资A loan granted to an importer for payment of import bills, without the Bank havingany claim to the goods.Collection Bank 托收银行Bank in the drawee country that is instructed to collect payment from the drawee - see Collections Introduction.Collection Order 托收委托书Form submitted, with documents, to the Remitting/Negotiating Bank by an exporter with his instructions - see Collections ?Introduction.Confirming a. 确认的,保证的Act of a bank other than the issuing bank assuming the liability for payment, acceptance or negotiation of correctly presented documents under a DC - see Confirmation of DCs.Consignment n. 托运,寄售,寄售货物,交付Shipment of goods.Consignee n. 承销人,收货人,收件人,信用证申请人The person/company/bank to whom the goods are delivered - usually the importeror the Collecting Bank - see Handling Import Collections.Consigner n. 寄售人,托运人,寄件人Also called shipper, is the person/company who sends goods by ship, by land or air.Contingent Liability 或有负债A liability that arises only under specified conditions, e.g. when a bank opens a DCit incurs an obligation to make a future payment on condition that the terms are fully met.D返回DC Bills 信用证跟单汇票Bills drawn under documentary credits.Deferred Payment Credit (DPC) 延期付款信用证A DC which allows the nomination of a bank, or the issuing bank to effect paymentagainst stipulated documents at a maturity date as specified or determinable from the wording of the credit.Demurrage n. 延滞费,滞港费,滞留期A charge made by a shipping company or a port authority for failure to load orremove goods within the time allowed.Discounting n. 贴现,计算现值Act of purchasing an accepted usance bill of exchange at an amount less than the face value.Discrepancy n. 不一致,有差异,价差,异议Any deviation from the terms and conditions of a DC, or the documents presented there under, or any inconsistency between the documents themselves - see Negotiation under DCs.Dishonor v. n. 退票,拒兑,拒付Non-payment or non-acceptance.Documentary Credit (DC) 跟单信用证,押汇信用证A conditional undertaking by a bank to make payment, often abbreviated to credit. More precisely, it is a written undertaking by a bank (issuing bank) given to the seller (beneficiary) at the request of the buyer (applicant) to pay a sum of money against presentation of documents complying with the terms of the credit within a set time limit.Documents n. 文件,单据,证券,记录,货运单据The characteristics and importance of the various documents associated with Import/Export operations are explained and illustrated in Deciding on Documents.Documents Against Acceptance (D/A) 承兑交单Instruction for commercial documents to be released to the drawee on acceptance of the Bill of Exchange - see Collections ?Introduction.Documents Against Payment (D/P) 付款交单Instruction for documents to be released to the drawee only on payment - see Collections ?Introduction.Documents of Title 所有权文件,所有权凭证Documents that give their owner the right to the goods, i.e. Bill of Lading.Draft n. v. 汇票,草案,拟定,吃水Bill of exchange issued by an exporter and submitted to his bank for collection, or under a DC - usually submitted with attached shipping documents - not to be confused with a banker’s draft which is sometimes used as a vehicle for reimbursement.Drawee n. 受票人,付款人Party on whom a bill is drawn and the one to whom presentation is to be made according to the collection order - the importer (NB: for DC bills, the drawee is usually the DC issuing bank).Drawer n. 出票人,开票人The exporter, who draws the Bill of Exchange/draft which in itself is a claim for payment.Due Date 到期日,期满日Maturity date for paymentE返回Expiry Date 有效期截止日期,期满日期Latest date, usually in the country of the beneficiary, on which negotiation/payment of a DC can take place.F返回Financed Bills 金融票据,融通票据Bills sent on collection in which the remitting branch has a financial interest.Foreign Bill Purchased (FBP) 购入外国汇票,购入外国票据A bill remitted to a correspondent bank in which the remitting branch is financingthe exporter - see Financing Export Collections.Forward Exchange Contract 远期外汇合同,远期外汇契约Contract between the Bank and its customer to buy/sell a fixed amount of foreign currency at a future date at a specified rate. This could be for a customer to make payment under a DC or to sell the proceeds received from an export negotiation.Freight v. n. 运费,运输,装运,运送的货物Goods OR the cost of transporting goods.G返回General Average 共同海损Loss which is the result of a sacrifice voluntarily made or an expense incurred; for the sole purpose of saving a ship and its cargo in face of a common danger (e.g.jettison of cargo to lighten a ship in distress). The loss is borne proportionately by ship and cargo owners according to their respective interests in the voyage.Gross Weight 毛重,总重量The weight of the merchandise in its shipping form, i.e. including all its packaging. I返回Import License 进口许可证A permit issued by the importing country'S authorities in respect of goods subjectto import licensing restrictions.Incoterms 国际贸易术语Shipping Terms - see I ntroduction to International Trade.Indemnity n. 赔偿,赔偿金,赔偿物,补偿,赔偿保证Also known as Letter of Guarantee (L/G), it is an undertaking given in respect of discrepancies in documents presented under a credit. The beneficiary who issues the indemnity is primarily liable to repay funds received from the negotiating bank in settlement under the credit, if the negotiating bank cannot obtain reimbursement from the issuing bank as a result of documents being rejected by the applicant.Inherent Vice (货物的)固有缺陷The propensity of a commodity to self-destruction which gives rise to a high insurance risk, therefore cover is given only after payment of an additional premium (e.g. fruit rots, coal-dust spontaneously ignites).International Chamber of Commerce (ICC) 国际商会The international body which promotes and facilitates world trade, and which codifies world trade practices in various publications - see ICC Rules?under Introduction to International Trade.Irrevocable Credit 不可撤销信用证Constitutes a definite undertaking of the issuing bank and the confirming bank, if any, to honour the credit provided the terms of the credit are observed. It may be advised to the beneficiary without engagement by the advising bank, and cannot be amended or cancelled unless the issuing bank, the confirming bank and the beneficiary agree.Issuing Bank 开证行The bank that opens a documentary credit at the request of its customer, the applicant.L返回Letter of Credit (L/C) 信用证American term for documentary credit. In the United States, the terms D/C can often be confused for documentary collection.Letter of Hypothecation 押汇负责书,押货预支书A promise to hold goods as security taken from customers who are granted loansagainst goods imported on a collection basis.Loan Against Imports (LAI) 进口押汇Loans granted to import customers for payment of bills.M返回Master Credit 原信用证In back-to-back operations, the original export credit against which the second credit is openedMaturity n. (票据的)到期,到期日,偿还日Due date of payment of a usance bill or promissory note.N返回Negotiable/Non-Negotiable 可转让的,可流通的/不可转让的,不可流通的Usually used with regard to Bills of Lading: a negotiable B/L is a valid document of title, while a non-negotiable B/L is not - the beneficiary of a DC (the exporter) may send the importer a non-negotiable B/L for information.Negotiation(信用证的)让购,议付Purchase of drafts under a documentary credit which the issuing bank hasundertaken to pay.Net Weight净重The weight of the merchandise before any packaging.Non-DC Bills非跟单信用证项下开立的汇票Bills not drawn under DC i.e. sent on a collection basis (D/P or D/A). In common usage we distinguish between Non DC bills which are financed collections and DCs which are non-financed.Non-Financed Bills无息汇票Bills sent on collection in which the remitting branch has no financial interest.Noting退票通知The first stage in protest of a dishonoured bill: if instructed to protest for non-payment/non- acceptance, the collecting bank must send the bill to a notary public who will represent it to the drawee on the same day it was refused, or the next business day. If the drawee still refuses the bill the notary public notes on the bill: the amount of his charges, the date and his initials. The reason for refusal is shown on a note attached to the bill. The bill is then protested - see Protest.O返回Opener n. (信用证)申请人,开证人See Applicant.Opening Bank 开证行See Issuing Bank.Order (To) 抬头人,指定收货人The phrase To Order is sometimes shown on Bills of Lading against consignee: this means that the Bill of Lading must be endorsed in blank by the shipper (i.e.not to any particular named party which makes it bearer document and it becomes transferable by delivery.)P返回Packing Credit 打包放款A loan given to the beneficiary by the bank to enable him to purchase rawmaterials. The beneficiary is usually requested to deposit the DC with the bank as security.Past Due 过期的,逾期的Bill or loan that has not been paid on the maturity date/due date.Paying Bank 付款行The bank that makes payment to the beneficiary of a payment DC after presentation to it of documents stipulated in the DC.Perils of the Seas 海险,海难They are accidents or casualties of the sea. The ordinary actions of the winds and waves are not included. Heavy or tempestuous weather on a voyage is of sufficient violence to constitute a peril of the sea.Power of Attorney 委托书,代理证书Authority given to one party to act for another.Presentation n. 提示,(单据的)交兑,(信用证的)议付,Act of requesting the importer payment/acceptance of an import bill. - See Handling Import Collections.Presenting Bank 提示行The bank that requests payment of a collection bill - may be the Collecting Bank or its nominated branch or local correspondent, which is better placed to contact the importer.Principal a. n. 主要的,本金的,委托人,本金The exporter in collection transactions, being the initiator of the transaction, whoseinstructions are followed at all stages (may be used to refer to any customer who initiates a transaction e.g. the opener of a DC).Promissory Note 本票A signed statement containing a written promise to pay a stated sum to specifiedperson at a specified date or on demand.Protest n. 拒绝承兑,拒付证书The formal representation of a dishonoured bill of exchange: the bill is presented by a notary public to the drawee - if refused again, it is noted?- see noting. The notary public then issues a formal protest, an official certificate that the bill has been refused: the drawer can use this certificate to sue the drawee in court.R返回Recourse n. 追索权,要求偿还权The right to claim a refund from another party which has handled a bill at an earlier stage.Red Clause Credit 红条款信用证A credit with a clause which authorises the advising bank to make an advancepayment to the beneficiary - see special DCs.Reimbursing Bank 偿付银行,清算银行The bank nominated by the DC issuing bank that will pay the value of the DC to the negotiating/paying bank.Remitting Bank 汇款银行,委托代收银行,(信用证)寄单银行The exporter's bank in collection transactions, which remits the bill to the collecting bank.The exporter's bank in DC transactions, which dispatches the documents to the issuing bank.Retirement n. 赎票The act of paying or settling an outstanding bill or import loan; i.e. payment by theimporter to the Bank.Revocable Credit 可撤销信用证One that may be amended or cancelled without notice to the beneficiary.Revolving Credit 循环信用证A credit automatically reinstated after each drawing or upon receipt ofauthorisation from DC issuing bank, with limits as to the duration of the facility and as to the (cumulative or non-cumulative) amount involved for each drawing - see Special DCs.S返回Schedule (附属)明细表The Remitting/Negotiating Bank's letter covering a bill sent to the Collecting/Issuing Bank, which lists the documents attached and gives collection and/or payment instructions.Self-Liquidating 自动清偿A transaction is said to be self-liquidating when there is a known source of fundsavailable for its settlement on due date.Shipment Date 装船日期The date inserted on the bills of lading evidencing goods received on board is regarded for documentary credit purposes as being the date of shipment.Shipper n. 货主,装货人,托运人,发货人,出口商See consignorShipping Guarantee (SG) 货物保赔书Guarantees of this nature are required to enable customers to obtain goods before the arrival of the documents of title, and are issued to the shipping companies by the Bank against an undertaking to forward the bills of lading when they are received. The Bank normally take 100% cash margin against the value of the goods if the customer does not have T/R facility.Shipping Terms 运输条款See IncotermsSight n. 即期A bill payable at sight is payable on presentation to the drawee i.e. on demand.Snags n.意外的障碍Irregular bills; import and export.Standby Credit 备用信用证This may be established as security for facilities granted at another branch or bank, usually to a subsidiary of the DC applicant. - see Special DCs.Status Report 资信证明Produced by a bank's TCI department or a credit information bureau, giving details of the credit worthiness and business background of traders and manufacturers.Substitution n. 代替,取代,替代The act whereby the prime beneficiary substitutes his own documents i.e. invoices and drafts, in back-to-back and transferable credit operations prior to negotiation of the master credits.T返回Tenor n. 汇票期限Term or Period of credit granted by the drawer. See Usance Bill.Tracer n. 短卸货物查询单See Chaser.Trade and Credit Information (TCI) 贸易信贷情况A bank department that prepares and distributes status reports on its owncustomers, and maintains records of traders and manufacturers with whom its customers deal.Transferable Credit 可转让信用证Permits the beneficiary to transfer all or some of the rights and obligations under the credit to a second beneficiary or beneficiaries - see Special DCs.Transferee n. 受让人,第二受益人A party (2nd beneficiary) to whom a transferable credit is transferred in whole or inpart.Transferor n. 转让人,出让人A party (1st beneficiary) at whose request a transferable credit is transferred to asecond beneficiary in whole or in part.U返回Uniform Customs and Practice for DCs 跟单信用证统一惯例See ICC 500Uniform Rules for Collections 托收统一规则See ICC 522Usance Bill 远期汇票A Bill of Exchange which allows the drawee a term or period of credit (this periodis also called usance).The term is usually stated in days (e.g. 30 days) or months and starts either from the date of the bill (e.g. 30 days date) or from the date of bill of lading, or from sight by the drawee (e.g. 30 days sight) which in practice means from the date of acceptance.An essential feature of acceptance credits and D/A collections.W返回Waive v. 放弃,免除,不坚持(权利,要求)To relinquish a right: used in collections with BC charges and/or interest to be collected from the drawee: these can be waived in certain circumstances as set out in ICC 522.银行基本业务口语What kind of account did you have in your mind?你想开哪种帐户?Do you like to open a current account?你想开一个活期存款帐户吗?A deposit or current account?定期还是活期?Please tell me how you would like to deposit your money.请告诉我你想存何种户头?There's a service charge for the checking account but no charge for the savings.支票户头要收服务费,现金户头不收。
国际结算术语汇总(最新整理)
International Settlements termsChapter one Brief introduction to international trade transshipmen 转运capacity容量,生产量inspection检查,视察,检验,商检arbitration仲裁,公断inquiry质询,调查,询盘,问价quotation价格,报价单,行情表,报价facilitate便利,使容易1oan facility贷款便利domestic家庭的,国内的domestic product国内生产的产品consideration体谅,考虑,需要考虑的事项,报酬,因素dimension尺寸,尺度,维(数),体积warehouse 仓库v.存仓premises房屋及周围的土地,这里表示“公司或企业的所在地”amendment改善,改正,修改update使现代化,使跟上最新的发展reversal颠倒,逆转,反转,倒转fulfill履行,实现,完成(计划等)fulfill ones obligation履行(职责)formality拘谨,礼节,正式手续quay码头procure获得,取得to procure marine insurance 办理海上保险to procure ship租船breach n.违背,破坏,破裂breach of the contract毁约frontier国境,边疆,边境adjoin邻接,临近,毗邻adjoining邻接的,隔壁的,临近的the adjoining room隔壁的房子adjoining country邻国furnish供应,提供,deficiency缺乏,不足jurisdiction权限,司法权,裁判权fluctuation波动,起伏variation变更,变化,变异,变种permutation置换,彻底改变,兑变commitment委托事项,许诺,承担义务,承诺domicile住处,法定居住地currency/foreign exchange fluctuation汇率波动multi—modal transportation多式联运percentage of insurance投保比率force majeure不可抗力opposing party对方delivery arrangement交货安排sales contract销售合同respective obligation各自的责任International Chamber of Commerce国际商会(1920年在巴黎设立的重要工商组织,1946年成为联合国经社理事会的咨询机构,下设许多机构从事有关金融、贸易、税收、运输、商务仲裁、工业产权保护等专门研究。
国际结算部分术语
International Settlement 国际结算Correspondent Bank 代理行Endorsement 背书Endorser 背书人Endorsee 被背书人Holder of value 付过对价持票人Dishonor 拒付Remittance 汇付Remitter 汇付人Beneficiary 受益人Remitting Bank 汇出行Paying Bank 汇入行Reversing Bank 中间行Telegraphic Transfer, T/T 电汇Mail Transfer, M/T 信汇Remittance by Banker’s Demand Draft, D/D 票汇Payment in Advance 预付货款Open Account Transaction, O/A货到付款,赊销Be sold up 售定Consignment 寄售Documentary Collection 跟单托收Document against Payment, D/P付款交单Document against Acceptance, D/A承兑交单Collection Bill Purchased 托收出口押汇Trust Receipt, T/R 信托收据SWIFT 环球银行金融电讯协会Expiry Date 有效期限Documentary L/C 跟单信用证Packing Loan 打包放款Outward Bill 出口押汇Credit Line 开征授信额度票据(Commercial Paper)、流通转让性(Negotiability)、过户转让(Assignment)、交付转让(Transfer)、流通转让(Negotiation)、汇票(Bill of Exchange)、本票(Promissory Note)、支票(Cheque)、限制性抬头(Restrictive Order)、指示性抬头(Demonstrative order)、来人抬头(Payable to Bearer)、出票条款(Drawn clause)、光票(Clean Bill)、跟单汇票(Documentary Bill)、记名背书(Special Endorsement)、空白背书(Endorsement in Blank)、限制背书(Restrictive Endorsement)、提示(Presentment)、承兑(Acceptance)、拒付(Dishonor)、追索(Recourse)、汇款(Remittance)、收款人(Payee)、赊账交易(Open Account Transaction)、预付货款(Payment in advance)、售定(Be sold out/up)、寄售(Consignment)、托收(Collection)、委托人(Consignor Principal)、托收行(Remitting Bank)、代收行(Collecting Bank)、付款交单(Documents against Payment,简称D/P)、承兑交单(Documents against Acceptance简称D/A)、信用证(Letter of Credit,简称L/C)、承付(Honour)、议付(Negotiation)、开证申请人(Applicant)、受益人(Beneficiary)、即期付款信用证(sight payment L/C)、延期付款信用证(Deferred Payment Credit)、公开议付信用证(Free Negotiable L/C)、保函(Letter-of Guarantee, L/G)、独立保函(Letter of Independent Guarantee)、从属保函(Letter of Accessory Guarantee)、备用信用证(stand-by L/C)、国际保理(International Factoring)、保理商(Factor)、到期保理(Maturity Factoring)、融资保理(Financed Factoring)、福费廷(Forfaiting)、选择期(Option Period)、承担期(Commitment Period)、多收期(Grace Days)、商业发票(Commercial Invoice)、海关发票(Customs Invoice)、形式发票(Proforma Invoice)、提单(Bill of Lading ,B/L)、物权凭证(Document of Title)、承运人(Carrier)、托运人(Shipper)、收货人(Consignee)、记名提单(Named consignee B/L)、不记名提单(open B/L)、指示提单(order B/L)、航空运单(Airway Bill, A WB)、承运货物收据(Cargo Receipt-C/R)、联合运输单据(Combined Transport Document -CTD)、保险单(Insurance Policy)January、February 、March、April、May、June、July、August、September、October、November、DecemberUSD(United States dollar)--美元;EUR--欧元;HKD 港币;GBP(Great Britisg pounds)--英镑;JPY--日元;KRW--韩元;CAD加元;AUD--澳元;CHF--瑞郎;SGD--新加坡元;CNY--人民币;。
(完整版)国际结算名词解释
(完整版)国际结算名词解释1、Bill of exchange(汇票): an unconditional order in writing addressed by one person toanother, signed by the drawer, requiring the drawee 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 bearer.2、Sight bill(demand bill, or sight draft即期汇票):is payable at sight, on demand, or onpresentation.3、Usance bill (time draft , or term draft 远期汇票):is payable at a fixed or determinablefuture time.4、promissory note(本票): an unconditional promise in writing made by one person toanother, 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, a specified person or to bearer.5、Trader’s note(商业本票): The maker is a trader, say, an individual or an enterprise.6、Banker’s note(银行本票):It is made by a bank, usually on demand.7、Check(支票):an unconditional order in writing, signed by the person giving it, requiringthe drawee bank to whom it is addressed to pay on demand a sum certain in money to, or the order of a specified person or the bearer.8、Crossed check(划线支票): It means the check bearing two parallel lines on the face. It mustbe paid into a bank account and cannot be cashed over the counter.9、Uncrossed check(open check 非划线支票):Those bearing no crossing on the face are calleduncrossed checks.10、Certified check(保兑支票):It is a check that is certified by the drawee bank. Once it is certified, all other obligors on the check will be discharged of the liability of payment.11、Collection(托收):an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and / or shipping documents are forwarded to the seller’s bank with clear instructions for collection through one of its correspondent bank located in the domicile of the buyer.12、Clean collection(光票托收):a collection on financial documents without being accompanied commercial documents such as invoices, bill of lading, insurance policy, etc.13、Documentary collection(跟单托收):a collection on financial instruments being accompanied by commercial documents or collection on commercial documents without being accompanied by financial documents.14、Factoring(保理):A factoring contract means a contract pursuant (依照)to which a supplier (供应商)may or will assign accounts receivable (应付账款)to a facto r for ledgering receivables(计应收款分类账), collecting proceeds and / or protecting against bad debts. 15、Forfeiting(票据包买业务):is the business of discounting medium-term and long-term promissory note or drafts without recourse related to an international trade transaction. The promissory notes or drafts are accepted by the importer and guaranteed b y an importer’sbank ensuring the holder that the importer will pay it at maturity.16、Letter of credit(信用证): is a letter written by a bank to the beneficiary, informing the beneficiary that the bank will pay a sum certain in money to the beneficiary if the beneficiary provides the bank with certain described documents within a prescribed time period.17、Acceptance credit(承兑信用证):the acceptance credit is one that indicates a bank which is called accepting bank, be it the issuing bank or another nominated bank, to accept and pay the face value of draft drawn on this bank at maturity.中心汇票汇款(票汇的一种)寄售consignment 预付payment in advance 赊销open account跟单托收documentary collection 备用信用证standby letters of credit代理行correspondent bank 控制文件control documents费率表schedule of terms and condition 密押telegraphic test keysSwift 核实押swift authentic key 签字样本specimen of authorized signatures我账(往账)Nostro account 你账(来账)vostro account对价持票人Holder for value 正当持票人,善意持票人holder in due course 退票通知Notice of Dishonor 拒绝证书protest (由notary public开立)追索权Right of recourse 远期本票(见票后定期付需要“签见”) 光票托收clean collection买单Bill purchased 托收贷款advance against collections信托收据trust receipt 进口押汇import bill advance担保放货Release of goods against guarantee 偿付行reimbursement bank索偿行claiming bank 光票信用证clean credit跟单信用证documentary credit 保兑信用证confirmed credit 不保兑信用证Unconfirmed credit 即期信用证sight credit延期信用证deferred credit 承兑信用证acceptance credit (包含seller's usance credit和buyer’s usance credit)议付信用证Negotiation credit(自由议付信用证free negotiation credit和限制议付信用证restricted negotiation credit) 预支信用证anticipatory credit可装让信用证transferable credit 背对背信用证Back to back credit对开信用证reciprocal credit 循环信用证revolving credit海运提单marine bills of lading 承运人carrier托运人shipper/consignor 收货人consignee被通知人notify party 已装船提单shipped on board bill of lading备运提单received for shipment B/L 清洁提单clean B/L不清洁提单Unclean B/L 直达提单direct B/L转船提单transshipment B/L 联运提单through B/L记名提单named consignee B/L 指示提单order B/L全式提单long form B/L 简式提单short form B/L班轮提单liner B/L 租船提单charter party B/L集装箱提单container B/L 甲板提单on deck B/L空运单airway bill 铁路运单railway bill多式联运单据Multimodal transport document 保险单insurance policy保险凭证insurance certificate 暂保单cover note 预约保单open account原产地证明certificate of origin 产品检验证书inspection certificate装箱单和重量单packing list and weight list 打包贷款packingloan出口汇押/信用证项下议付negotiation under L/C 汇票贴现bill account投标包含tender guarantee/bill bond 履约保函performance guarantee还贷保函repayment guarantee 预付款保函advance payment guarantee透支保函overdraft guarantee 维修保单maintenance guarantee保函letter of guarantee 国际保理international factoring快邮收据courier receipt。
国际结算名词解释
国际结算名词解释
1.汇兑:汇兑是指买卖双方在货币的交换或订立合同的买卖而实现的货币的转换行为。
它是现代国际结算的重要基础,与国际贸易同步,也是国际金融市场行情变动的重要指标。
2.外汇保证金:外汇保证金是指外汇交易合同中投资者在发生交易冻结的账户里,用于保证双方履行约定义务的货币资金。
3.汇票发行:汇票发行是指银行或金融机构根据客户要求,以其准备的汇票及其他报价文件,承诺在指定的日期支付买卖双方约定的金额的行为。
4.外汇风险:外汇风险是指国际金融市场发生的因货币价值变动而带来的具体损失,或者是其他因素引起的汇率变动带来的不可预测的损失。
5.汇率兑换:汇率兑换是指在换汇中心由相应货币结算指定的汇率,实行买卖双方特定货币之间的金额转换行为。
6.购汇:购汇是指中央银行依照有关法律、法规实行的,向外商以客户指定的账户内购买外币的活动。
7.折算:折算是指在汇率变动后,结算当日份额货币金额按新汇率重新计算为其他货币金额的行为。
8.限制汇款:限制汇款是指根据国家外汇管理条例,限制某些外汇支付的一项措施。
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International Settlements termsChapter one Brief introduction to international trade transshipmen 转运capacity容量,生产量inspection检查,视察,检验,商检arbitration仲裁,公断inquiry质询,调查,询盘,问价quotation价格,报价单,行情表,报价facilitate便利,使容易1oan facility贷款便利domestic家庭的,国内的domestic product国内生产的产品consideration体谅,考虑,需要考虑的事项,报酬,因素dimension尺寸,尺度,维(数),体积warehouse 仓库v.存仓premises房屋及周围的土地,这里表示“公司或企业的所在地”amendment改善,改正,修改update使现代化,使跟上最新的发展reversal颠倒,逆转,反转,倒转fulfill履行,实现,完成(计划等)fulfill ones obligation履行(职责)formality拘谨,礼节,正式手续quay码头procure获得,取得to procure marine insurance 办理海上保险to procure ship租船breach n.违背,破坏,破裂breach of the contract毁约frontier国境,边疆,边境adjoin邻接,临近,毗邻adjoining邻接的,隔壁的,临近的the adjoining room隔壁的房子adjoining country邻国furnish供应,提供,deficiency缺乏,不足jurisdiction权限,司法权,裁判权fluctuation波动,起伏variation变更,变化,变异,变种permutation置换,彻底改变,兑变commitment委托事项,许诺,承担义务,承诺domicile住处,法定居住地currency/foreign exchange fluctuation汇率波动multi—modal transportation多式联运percentage of insurance投保比率force majeure不可抗力opposing party对方delivery arrangement交货安排sales contract销售合同respective obligation各自的责任International Chamber of Commerce国际商会(1920年在巴黎设立的重要工商组织,1946年成为联合国经社理事会的咨询机构,下设许多机构从事有关金融、贸易、税收、运输、商务仲裁、工业产权保护等专门研究。
)Incoterms--International Commercial Terms的缩写,表示“国际贸易术语”,其全称为International Rules for the Interpretation of Trade Terms,即《国际贸易术语解释通则》。
uniform rules统一规则trade practitioner从事贸易工作的人员current version最近/新的版本ship’s rail船舷clear the goods for export出口清关insurance premium保费import license进口许可证Warsaw-Oxford Rules《华沙牛津规则》Revised American Foreign Trade Definition《美国对外贸易修订本》absolute security绝对安全advance payment预付款place…at the disposal of将……交由……处置progress payment (按施工)进度(分批)付款working capital流动资本,周转资金blocking the transfer of funds冻结资金的流动for the account of 以……的名义open account赊账方式,记账交易financial standing 财务状况the same line of business同一行业reciprocal互惠的,互相起作用的事物claim赔偿,索赔,债权,权利主张,权利要求originate出现commodity商品,用品patent 专利copyright 版权postage 邮费resident 居民non-resident非居民military 军人的,武装力量的,战争的或与之相关的grant 同意,授予,赠予,提供disaster 灾难,大祸,致命的不幸relief 救济,救难inheritance 继承,继承物,遗产convenience 方便,便利设施inconvenience 不方便,不便利initially 最初,开始,首先technicality 技术性的,专门名称furnish 装备,摆设,供应,提供facilitate 便利formation 形式,组成,结构vehicle 交通工具,运载工具,激动车,机械efficiency 生效的,高效的,功效大的urgent 紧迫的,坚持的或急切的,急迫的convertible 可转换的,可兑换的convertibility可兑换性local bank 当地的银行agency arrangement 代理合约esteem 尊重,夸奖,把…看作,以为separate cover 分次传送,分次传递anticipate 预感,预料,期望,期望authentic 真实的,真正的,(法律)手续完备的reimbursement偿付,赔还denominate 以…面值发行denomination 票面金额,名称;(度量衡、货币)单位名称Chapter two Introduction to international payments and settlements transfer n.. 转账,过户,转让,v. 转移,转让claim (根据权利提出)要求,要求权,vt.索赔债权resident n. 居民点 a. 居住的,常驻的intercourse交往,交流,交际,沟通omission冗长,错误,遗漏bullion金银,银条,金块copyright版权fineness出色,优良,纯度,含金量omnipresent无所不在的turnover流通量,营业额,周转cover抵补,抵偿,冲销,保证金,准备金entrust委托reciprocal互惠的schedule时间表,进度表,费率表authentication证实,验证facsimile传真,复制本,摹本confidential秘密的,机要的,机密的overdraft透支,透支额counterpart极相似的人或物,对手,对应物momentum动力,要素,推动力multifarious种种的,各式各样的technicality专门性,技术性visible trade有形贸易invisible trade无形贸易financial transaction金融交易syndicated loan银团贷款international payments and settlements国际支付与结算international payment system国际支付体系international settlement rules国际结算规则customs and practices惯例current account经常账户capital account资本账户balance account平衡账户unilateral transfer单边(资金)转移medium of exchange交换媒介patent专利postage邮费disaster灾难military军事relief救济inheritance继承merchant 商人precious metal贵金属transportation facility交通设施intermediary中介,媒介financial intermediary金融中介multifarious多种的,各式各样的modem banking technicality现代银行技术on line在线(服务)net banking网上银行业务electronic business电子商务SWIFT—Society for Worldwide Inter-bank Financial Telecommunication 全球银行金融电讯协会electronic telecommunication system电子通信系统engineering projects工程项目equality and mutual benefit平等互利appropriate instruction有关指示credit advice贷记通知commercial bank商业银行correspondent relationship代理行关系current account经常账户,活期账户agency arrangement代理安排booklet of authorized signature签字样本tested telex加押电传serial number卷宗号rotation number流转号,业务流程号on conjunction of 与……有联系checking account支票账户,活期账户initial deposit初始存款credit balance贷方余额,信贷余额mirror account镜子账户:它是银行自己对在往来行开立的“往账”上发生的业务的记录账户。
reimbursement method偿付方式commercial credit商业信用bank credit银行信用nostro account往账vostro account来账credit standing资信international trade settlement国际贸易结算international non-trade settlement国际非贸易结算cash settlement 现金结算non-cash settlement 非现金结算precious metal 贵金属financial intermediary 金融中介banking network 银行网络overseas branch海外分行correspondent bank代理行accounting bank账户行agency arrangement 代理合约cooperation合作协议control documents控制文件authorized signatures印鉴test key密押terms and conditions费率表credit advice 贷记通知debit advice 借记通知Chapter three credit instruments acceptance接受,承兑compromise妥协,折衷countersign复签dishonor不兑现,拒付(票据),不履行付款义务endorsee被背书人endorsement背书,签注(文件),认可equity公平,产权;(复数)普通股,股本essential本质,实质,要素,要点garnishee第三债务人mandate (书面)命令,支付命令infirmity缺点,缺陷,虚弱prerequisite先决条件,必备条件insolvent破产的;无偿还能力的protest主张,抗议,拒绝证书tenor (汇票)的期限verify检验,校验,核对validity有效性,合法性,有效期vindicate证明……真实或正确,还……清白detriment损害,损害物scrutinize细察crossing横越,横越,交叉,(支票的)划线inventory详细目录,存货,财产清册,总量submission屈服,降服,服从,谦恭,投降affix使附于,粘贴bulky大的,容量大的,体积大的acceptance bill承兑汇票acceptance for honor supra protest参加承兑accepted bill已承兑汇票accepting bank承兑银行acceptor for honor参加承兑人after date出票后after sight见票后ante-dated出票日期比实际日期早at a fixed period after date出票后固定日期at a fixed period after sight见票后固定日期banker’s draft银行汇票bearer bill不记名汇票bill of exchange汇票blank endorsement空白背书bona-fide holder善意持票人check’s serial number支票序号chose in action法律(权利)上的动产,无形资产claim compensation要求赔偿clearing bank清算银行commercial paper商业票据conditional acceptance有条件承兑conditional endorsement有条件背书countermand of payment (票据)止付“constructive countermand”意为“推定止付”crossed check划线支票date of presentation提示日期discharged bill已清偿汇票,付讫票据discharged by payment解除付款义务,履行了付款义务discount charges贴现费用discount house贴现行discounting bank贴现银行dishonored bill被拒付的票据dividend warrant股息(利)单,领取股息通知书expiry date到期日financial instrument金融工具freeze the customer’s account冻结客户的账户general crossed check一般划线支票general endorsement空白背书holder for value付对价持票人holder in due course正当持票人in good faith善意initial signature初签(第一次签名)local clearing house同城票据交换所negotiable instrument流通票据notary public法定公证人notice of dishonor拒付通知payable to bearer付持票人payable to order付指定人payment for honor supra protest参加付款payment in due course正当付款payment instrument支付工具post-dated填写日期迟于实际日期printed facsimile刊印的签字样本promissory note本票right of recourse追索权sole bill单张汇票,无副本的汇票special crossed cheque特殊划线支票special endorsement特别背书prior endorser 前手背书人prior party 前手subsequent endorser后手背书人subsequent holder后手持票人usance /time/tenor bill(draft) 远期汇票credit instrument 信用工具negotiable instrument 流通票据Bill of exchange 汇票Check/cheque支票Promissory Note本票Dividend warrant 股利单Bearer bond 不记名债券(流通债券)Bearer scrips 持有人凭证Debenture payable to bearer 不记名信用债券Share warrant payable to bearer 不记名股份证书Treasury bill 国库券Certificate of deposit 存单Life policy 人寿保单Certificate of government stock 政府债券Geneva日内瓦creditor 债权人debtor 债务人drawer出票人drawee受票人(付款人)payee收款人acceptor承兑人endorser背书人endorsee被背书人acceptor for honor参加承兑人guarantor保证人holder持票人holder for value付对价持票人holder in due course正当持票人subsequent 随后的liable 有责任的,有义务的,易受…影响的intervene 插进,发生于其间,干扰,斡旋,干涉possessor 所有人,占有者,拥有者,持有者sue起诉,控告,向请求primary liability 主要债务责任secondary liability 次要债务责任honor (票据的)付款dishonor (票据的)拒付,退票present for acceptance提示承兑present for payment提示付款sum金额means of payment 支付方式transferable instrument 流通转让工具Legal Systems of Negotiable Instrument 流通票据法律体系British and USA legal system英美法系Continental legal system大陆法系Bill of Exchange Act”,1882 1882年英国票据法UCC--Uniform Commercial Code 美国统一商法典Uniform Law for Bills of Exchange and Promissory Notes”, signed at Geneva, 1930 日内瓦统一汇票、本票法(1930)“Uniform Law for Cheques”, signed at Geneva, 1931 日内瓦统一支票法(1931)United Nations Commission on International Trade Law 联合国国际贸易法委员会Draft Convention on International Bills of Exchange and International Promissory Notes”(1973)国际汇票与国际本票公约草案“Draft Convention on International Cheques”(1973) 国际支票公约草案negotiability 流通性non-causative Nature 无因性requisite in Form 要式性presentment 提示性return-ability返还性installment 分期付款drawn clause 出票条款Issuance 出票endorsement 背书presentment 提示acceptance 承兑payment 付款dishonor 拒付notice of dishonor 退票通知protest 拒绝证书right of recourse 追索权Acceptance for honor supra protest 参加承兑Payment for honor supra protest 参加付款Guarantee 保证discounting 贴现protest waived 放弃拒绝证书notice of dishonor excused 免作退票通知blank endorsement(general endorsement) 空白背书special endorsement 特别背书(指示性背书)restrictive endorsement 限制性背书conditional endorsement 有条件背书collection endorsement托收背书vindicate 证实,维护exhibit 展示,陈列p.a. --per annual 按年,每年banker’s /bank draft 银行汇票trade bill 商业汇票trader’s acceptance bill 商业承兑汇票banker’s acceptance bill 银行承兑汇票sight bill即期汇票time/usance bill 远期汇票domestic bill国内汇票foreign bill 外国汇票promissory note本票maker (本票中的)制票人denomination 票面金额;名称;(度量衡、货币等)单位名称inflation 通货膨胀original 最早的,(单据、票据)正本procure 获得,取得,实现,完成essential基本,必须antedated先于dissolve解散,结束,(法律)宣告无效,取消liquidation清算,了结,清偿constructive 推定mandate授权forge 伪造prima facie 已构成事实的证据,从事实的表面印象已构成的证据detriment 损害,伤害,损失,损害物estop 禁止……翻供,禁止反言,阻止countermand 取消stop payment止付identify确定scrutinize 细看,仔细检查out of date过期open check / uncrossed check现金支票crossed check 划线支票Comprise:由…构成,由…组成,包含,包括Perform:执行,履行Prerequisite作为先决条件条件而要求的,必要的entitle给…题名或命名,给…权利或给资格fulfill履行,执行,达到,使满意,使结束,完成warehouse receipt仓单duly按时signification含义,示意,表示assent同意,赞成,默认justify证明…有理,宣告…清白,赦免,(法律)提出,证明为可担保人default拖欠,违约seal印记,图章;密封物;约束;保证;标志vindicate证实,辩护;为…而辩护,证明….正确;维护Chapter four International bank remittance remittance汇款,汇款额correspondent代理行claim (根据权利提出)要求,要求权remitter汇款人payee收款人,领款人domicile住所,住宅,(使)定居,居住entertain娱乐,招待,款待,抱有,持有subsidiary辅助的,子公司solvency (债务等的)偿付能力duplicate复制品,副本surrender交出,放弃n.交出,放弃,投降,取消beneficiary受惠者,受益人remitting bank汇出行paying bank汇入行,解付行telegraphic transfer电汇demand draft transfer票汇mail transfer信汇mail remittance信汇money order邮政汇票,汇款单payment in advance预付debit advice借记通知单payment order支付委托书on one’s own initiative主动地designated bank指定银行home country母国outward remittance汇出汇款inward remittance汇入汇款cash deposit预存现款,现金存款in line with根据,按照letter of indemnity赔偿保证书cash before shipment付款后装运shipment at first settlement later先装运后结算own payment首批付款,定金in due course在适当的时候financial status财务状况clearing account清算账户Chapter Five Collection principal委托人,负责人,本金,主要的,首要的demurrage逾期费,滞纳金proceeds款项advance预付(款)representative代表,典型的,有代表性的consignment发货,寄货accelerate加速,促进integrity诚实,信誉,正直overrule驳回,否决,支配,制服pledge保证,抵押,抵押品,保证,使发誓,抵押,典当inadvertent infraction无意中造成的伤害,不小心造成的疏忽faulty merchandise质量有问题的商品documentary collection跟单托收clean collection光票托收collection order托收委托书financial instrument金融单据remitting bank托收行collecting bank代收行presenting bank提示行outward collection出口托收documents against payment付款交单documents against acceptance承兑交单collection bill purchased托收出口押汇trust receipt信托收据Uniform Rules for Collections《托收统一规则》title documents物权单据presentation of the document提示单据be in a position to能够exchange restrictions外汇管制perishable goods易变质货物hedging operations套期保值操作negotiable bill of 1ading可转让提单Chapter Six Letter of Credit undertake承担,担任,许诺,保证undertaking承诺,保证,承担creditworthiness信誉bankrupt破产者,破产了的,完全丧失,使破产default违约,不履行合同reference提及,涉及,参考exclusively专有地,完全地,绝对地engage约定,承诺accuracy精确性,正确度,准确genuineness真实性falsification弄虚作假,伪造,歪曲,篡改security安全,保障clear-cut明确的eliminate排除,消除,除去,消除,消灭capability能力,容积segregation种族隔离,隔离sufficiency 有效性accuracy 正确性genuineness真实性falsification真伪性legal effect法律效力collateralize以…作抵押,质押jurisdiction权限,司法权,司法管辖governing控制,操纵,管辖,约束adherence粘着,忠诚,遵守,坚持incorporation结合,合并,形成法人组织,组成公司(或社团) multiple多样的,多重的,复合的,成倍增加facilitate使容易,使便利,推动,促进,便利amendment改善,改正,修改modification更改,修改,修正utilization利用,使用courier送快信的人,送递快件的信差shipment装船,出货,一批货物发运integrity正直,诚实,具有常识的,共识,常识elapse (时间)过去,消逝,流逝消失,过去validity有效性,合法性,正确性,有效期irregularity不规则,无规律,不规则commitment委托事项,许诺,承担义务,承诺cancellation取消,撤销subsidiary辅助的,补充的,附属公司substitute代用品,代替者,替代品,代替,替换,替代incur招致,发生,引起fractionable 可分割的assignable可转让的transmissible可转让的,可传送的render致使disregard不理,漠视,漠视,忽视,不予考虑outlay费用,开销,开支,花费designate指明,指出,任命,指派口.指定,指派,规定assignment分配,委派,任务,转让waiver自动放弃,放弃,弃权,弃权证书intermediary中间的,媒介的,中间人,中介方stipulate规定,保证规定renew使更新,使恢复讲,更新,重新开始,续期reinstate恢复,重新使用procurement获得,取得definite undertaking确定的承诺,明确的承诺effect payment执行付款have no regard for不考虑be in a position to能做……,处于……状态security agreement保障协议credit backing信用支持credit standing信用状况legislative law立法codified law成文法decision law裁决法contractual law合同法customary law习惯法case law判例法bank association银行协会banking personnel银行职员trade facilitation贸易便利,促进贸易issuing bank开证行advising bank通知行confirming bank保兑行nominated bank指定的银行transferring bank转让行negotiating bank议付行proceed with继续face to face negotiation面对面商谈document package全体单据,所有单据reimbursement agreement偿付协议precision instrument精密仪器excessive detail过多的细节inconsistent with one another互相不一致affiliated part联营机构payment order支付命令duly honored及时支付expiry date有效期guarantee payment保证付款silent confirmation未授权保兑relevant document有关单据usance credit远期信用证deferred payment延期付款freely negotiable自由议付applicable law有关法律sight payment credit即期付款信用证deferred payment credit延期付款信用证documentary credit 跟单信用证clean credit光票信用证letter of credit信用证accepting credit承兑信用证negotiating credit议付信用证revocable credit可撤销信用证irrevocable credit不可撤销信用证confirmed credit保兑信用证automatic revolving credit自动循环信用证notice revolving credit通知循环信用证periodic revolving credit定期循环信用证cumulative revolving累计循环non-cumulative revolving非累计循环commencing with从……开始successive month下一个月transferable credit转让信用证back.to-back credit背对背信用证reciprocal credit对开信用证commercial credit商业信用证anticipatory (red clause)credit预支(红条款)信用证aggregate amount总金额at the ruling rate of exchange按当前汇率foreign exchange hedging外汇套期保值irrevocable straight documentary credit不可撤销的直接信用证irrevocable negotiation documentary credit不可撤销的议付信用证honor draft兑付汇票,支付汇票stamp duty印花税incur a liability承担责任courier service快邮Chapter Seven L/C Practice formulate设计,规划pertain关于,属于reimbursement付还,退还,偿付discrepancy差异,矛盾,不符合variation变更,变化,变异tolerance增减幅度certification证明,证书legalization合法化,得到法律认可,立法,法规safeguard维护,保护.安全措施,防范integrity正直,诚实,完整margin.利润,差数,保证金imperative命令的,强制的,急需的,必要的completeness完全,完整correctness正确consistency一致性,连贯性stowage装载,装载费proceeds收益,货款contravene违反,违背(法规,习俗等),反驳fraudster骗子grant a credit line给予信贷额度be well advised to最好……within the prescribed time limit在规定的时间限度内in professional wording用专业语言ISO currency code国际标准化组织的货币符号notional profit名义利润precedent of在……之前port of discharge卸货港on-line payment网上支付document package所有的单据balance sheets资产负债表enjoy a peculiar status有奇怪的特征inferior goods劣质商品certificate of analysis质量分析证书postal delivery邮寄latest shipping date最迟装运日期precautionary measure预防措施security arrangement保障安排overdraft/ban facility透支/贷款便利parent company母公司business associate贸易伙伴claim reimbursement索偿make reimbursement偿付operative credit有效的信用证mail advice邮寄通知data communication network信息交换系统bank examiner银行审单人员international standard banking practice标准国际银行惯例expeditious means快捷的方法without delay毫不延误claim on the issuing bank向开证行索偿electronic transfer system电子支付系统clearing house清算所,清算行reimbursing bank偿付行apparent authenticity of the credit信用证表面的真实性dispatch the goods发运货物strict compliance严格相符interest clause利息条款delivery terms交货条件clean on board bill of lading清洁的已装船提单notify party被通知方transport route运输路线qualified/unclean bill of lading不清洁提单under reserve有保留(这里指保留追索权)collude with与……共谋alleged discrepancy无证据,给不出证据的不符点be at variance with each other互相矛盾,互不一致caveat emptor买主小心(货物售出概不退换) counterfeit copy伪造品(这里指伪造的单据) susceptible to forgery容易伪造sub-standard goods不符合标准的货物short shipment短装,指数量少于规定的数量Chapter Eight Documents Under the Credit Ambiguity 含糊,不明确,含义模糊Original 最初的,原始的。