Export buyer's credit..
个人理财英语
Personal?Wealth?Management?Service个人理财业务personal financingpersonal financial planning personal wealth management personal financial Service(PFS) Elite ClubSunflower financefinancing Linkfinancial TreasuryMoney MateMinsheng banking VIP service BOCOM Fortunewealth management with Orient card investment link 个人理财个人理财业务个人理财(花旗银行)个人理财服务理财金账户（工行）?“金葵花”理财（招行）理财通理财宝理财室（中行）民生贵宾服务交银理财东方卡理财（浦发银行）投资通safe deposit box serviceassets managementaround-clock service of account management network settlementbank-securities linkbank-securities account transferMoney Linkaccount transfer via money linkbank-insurance link(bonus participated insurance) open-ended fundsbank-fund linkopen-ended funds commission 保管箱业务资产管理24小时到账处理业务网络结算业务银证通银证转账银证通（浦发银行）银证转账（浦发银行）银保通(分红保险)开放式基金银基通代理销售开放式基金capital account deposit(Margin) account 资金账户保证金账户counter Transfertelephone Banking self-service transfer service a letter of entrustment for transfer entrusting transfer and deduction shareholders’ magnetic cardnetwork settlementdomestic payment settlement serviceold-age pension fundsocial security fundbond fundinvestment fundclose-ended fundopen-ended fund 柜台转账电话银行自助转账转账委托书委托转账代缴费股东磁卡网络结算业务国内支付结算业务养老基金社会保险基金债券基金投资基金封闭式基金开放式基金Savings?Deposit储蓄存款业务savings depositdemand deposit(current deposit)current deposit passbookcurrent checkbook deposittime or demand optional depositcall deposittime deposit(term deposit)large sum fixed depositgeneral fixed depositfloating time rate depositlump-sum deposit and withdrawaltime deposit of lump-sum deposit and withdrawaltime deposits of lump-sum depositing and lump-sum withdrawal installment fixed depositstime deposit of small savings for lump-sum withdrawal 活期储蓄存款活期储蓄存款活期存折活期支票定活两便存款通知存款定期存款大额定期存款普通定期存款定期浮息选择存款整存整取整存整取定期储蓄整存整取定期存款零存整取零存整取定期储蓄Personal?Consumer?Credit个人消费信贷housing mortgage loan individual business house loan house refurbishing loan. individual housing loans housing loans on own account housing loans on authorization individual combined housing loans CITIC Happy Familyauto loansloan for refurbishing house consumer durables loan 住房抵押贷款个人商业用房贷款房屋装修贷款个人住房贷款自营性住房贷款委托住房贷款个人住房组合贷款中信家家乐汽车消费贷款家居装修贷款大额耐用消费品贷款personal loan secured by CDs/treasury bonds individual consumption loanpetty consumer creditindividual unsecured loanconsumption credit for individual clients individual consumption loansecured loansmall amount private loans 个人存单质押贷款个人消费信贷小额信用消费贷款个人信用贷款个人消费信贷业务个人消费信贷抵押放款(担保放款)小额贷款individual auto loanindividual comprehensive consumer loanindividual large-denomination durable commodities loan personal pledge loantravel and vacation loansonline personal pledge loan 个人汽车消费贷款个人综合消费贷款个人大额耐用消费品贷款个人质押贷款旅游度假贷款网上个人质押贷款insurance certificate pledge loandeposit certificate pledge loancertificates of deposit(CDs)individual comprehensive consumer loanindividual large-denomination durable commodities loan state educational loancommercial educational loanoverseas study loaneducational loans 保单质押贷款存单质押贷款大额存单个人综合消费贷款个人大额耐用消费品贷款国家助学贷款商业助学贷款留学贷款教育助学贷款Foreign?Exchange?for?Corporate公司外汇业务forex deposit for enterprisecurrent forex deposit for enterprisetime foreign fxchange deposit for enterprise call forex deposit for enterprise 单位外汇存款业务活期对公外汇存款定期对公外汇存款通知对公外汇存款forex credit forex working capital loan forex temporary loans forex short-term loans forex medium-term loans forex revolving loans forex loans with repayment in Installments forex fixed asset loan forex fixed asset investment forex business development and expansion forex technical innovationforex fixed asset acquisition 外汇贷款业务外汇流动资金贷款外汇临时流动资金贷款外汇短期流动资金贷款外汇中期流动资金贷款外汇流动资金循环贷款外汇整贷零偿外汇固定资产贷款外汇固定资产投资贷款外汇开发扩建贷款外汇技改贷款外汇固定资产收购贷款International?Finance 国际融资业务project financeBOT（build, operate, transfer）BT（build, transfer）export buyer’s creditsyndicated loanon-lending project financeinternational commercial loanimport buyer’s creditforeign government loanforeign government mixed loanloan from international financial organizations forex transferred loanf inancing business of featuresbills discountcredit line 项目融资建设经营转让建设转让出口买方信贷银团贷款外汇转贷款项目融资国际商业贷款融资进口买方信贷融资外国政府贷款融资外国政府混合贷款融资国际金融组织贷款融资外汇转贷款特色融资业务票据贴现授信额度advanced payment guarantee payment guaranteeverification payment guarantee technical verification payment guarantee deferred payment guaranteelease guaranteeimport bills for collectionexport bills for collection purchasing collection bills 预付款退款担保付款担保验货付款保函技术交易验收付款保函延期付款担保租赁担保进口代收出口托收出口托收买单packing loan under L/C transferable L/C negotiating export bills discounting bills secured lading 打包放款（信用证项下）转让信用证议付出口信用证单据（银行承兑）汇票贴现担保提货opening letter of guaranteeforeign exchange payment and clearing service settlement clearance for foreign exchange pusiness banking facilityforeign exchange rate risks coverguarantee and attestationinter-bank foreign currency borrowings and lendings asset portfolio managementoffshore banking businesstrade financinggeneral banking facilitiesPacking Creditimport bills purchaseexport(0utward) bill purchaseforeign currency bill discount 开立保函外汇清算业务外汇业务清算授信外汇保值避险担保和见证金融机构间外汇拆借理财策划离岸金融业务贸易融资综合授信打包放款进口押汇出口押汇外币票据贴现foreign exchange bills purchase bills discounting ForfaitingFactoringnon-trade finance 买入外币票据票据贴现福费廷（包买票据）保理业务非贸易融资Bank?Card银行卡业务peony credit card peony international card peony MoneyLink card peony IC(Smart) card peony proprietary card peony photo card peony co-branding card Long card 牡丹信用卡牡丹国际卡牡丹灵通卡牡丹智能卡牡丹专用卡牡丹彩照卡牡丹联名卡龙卡savings carddebit cardanimal cardaccount transfer cardpre-paid consumption card special-purpose cardco-branded cardGreat Wall credit card Great Wall international card Great Wall credit card in RMB pacific cardgold cardordinary cardThe World’s Sunflower development card 储蓄卡借记卡生肖卡转账卡储值卡专用卡联名卡（认同卡）长城信用卡长城国际卡长城人民币信用卡太平洋卡金卡普通卡金葵花卡发展卡Minsheng card Orient cardLady card Visa card Master card Diner’s card American Express card Million card JCB card Federal card 民生卡东方卡真情卡(广发银行)维萨卡万事达卡大莱卡运通卡百万卡（日本）JCB 卡（日本）发达卡（香港）Terms?of?Post?and?Title 岗位职务词汇chief executive officer directormanaging director authorized officermanager and head of China desk general manager(GM) director generalchief controllerdeputy general manager(DGM) chief executive officer(CEO) chief financial officer(CFO) chief market officer(CMO)top managermanagerfinance director 董事长董事总裁，常务董事代理行长中国事务部经理兼主管总经理总监总稽核副总经理首席执行官首席财务总监首席市场总监总经理经理，主任财务经理，财务处（科）长financial manager chief accountant chief cashierchief clerkhead clerkhead of department head tellerchief accountant chief of finance sales director sales manager directing stafftop management middle management lower management 财务经理会计主任，总会计师，财务处长出纳主任主任办事员首席办事员部门主任出纳主任总会计，会计主任财务主任营业副经理；销售处（科）长销售经理领导人员最高管理层中层管理基层管理manager of bank managerial staff officer, official financial adviser financial accountant financial administrator financial executive auditing officers controller accountant in charge accountant consultant management consultant managing agent assistant accountant 银行经理人管理人员高级职员财务顾问财务会计员财务主管人财务主管审计人员主管会计；审计员主管会计师会计师，会计员顾问业务顾问经理人的代理助理会计师assistant general manager assistant manager managing partner administrative staff office staffoperation staff accounting clerkbank clerkoffice clerk statistical clerkpay clerkstaffclerkcashierteller 协理，副总经理，副总裁副理，协理办事员管理人员，行政人员办公室职员操作人员簿记员银行职员办事员统计员出纳员职员办事员出纳员出纳员customer client 顾客，客户顾客，客户Intermediary?Business(1)中间业务remittance servicesdomestic remittance remittance agencyremittance expresscommom remittanceurgent remittanceremittance by draftcash remittancebank promissory note(bank check) checkcheck Book 汇兑业务国内汇兑代理汇兑汇款直通车普通汇款加急汇款票汇(汇票汇款)汇款银行本票支票支票簿agency services fund agency service Bank-fund Link Bank-futures Link FortuneLink 代理业务基金代理业务银基通银期通财富通bond agency servicebonds settlement agencyinsurance agency servicefinancing agencysafekeeping agencycollection and payment agency settlement agencysalary payment agency(payroll agency service) wages(old-aged pension) distribution agency 债券代理业务债券结算代理保险代理业务代理理财代理保管代理收付代理结算代发工资(业务)代发工资（养老金）业务public utility fee levying agencyissuing government bonds agency commission collection of telephone fee commission collection of telephone fee for Unicom commission collection of electricity charge commission collection of insurance premium payment through telephone bankingpayment through mobile phone banking network payment settlement agencyagency collection and paymentcommission payment on consignmentpayment in cashcharge withholding service 代理公用事业收费代理发行国债代收电话费业务代收联通话费业务代收电费业务代收保险费电话银行缴费手机银行缴费代收付业务网上支付结算代理委托缴费现金缴费缴费业务fee collection express缴费通commission security business agency securities fund clearing commission tax withholding commission insuranceagency signing of the banker’s bill forward settlement 代理证券业务代理证券资金清算代理税收业务代理保险业务代签银行汇票期货结算业务client service centercustomer service hotlinebearer treasury certificatevisible treasury certificatebearer treasury certificate with fixed denomination????proof of payment(payment vouchers) a letter of entrustment for transfer 客户服务中心客户服务热线无记名式国债凭证式国债固定面额无记名式国债支付凭证转账委托书代收代缴费agency collection and payment agency collection and deduction public utility Feeentrusting transfer and deduction agency issuing government bonds foreign exchange trading agency automated transferdeposit(margin) account 代收代扣公用事业费委托转账代交费代理发行国债代理外币买卖自动转账保证金账户bill consultancyreal-time funds transferring counter transfer settlement business domestic settlement service draft for collection 票据查询实时资金汇划柜台转账结算业务国内结算业务托收汇票collection and acceptioncommission receptionon-line Settlementon-line Shoppingsecurities and capital settlement agency commission collection and payment agency client bar code automatic inquiry system payment and settlement agencyforward settlement 托收承付委托收款网上结算网上购物代理证券资金清算代理收付业务客户条形码自动查询支付结算业务代理期货结算业务notes clearingcharged bond trading on the counter treasury billstreasury bondsbook-entry treasury bill 票据交换柜台记账式债券交易国库券长期国债凭证式国债visible treasury certificate investment bankingmerchant bankingconsultancy-specific financial service funds trusteeshipcash-based settlementpaper-based settlement electronic-based settlement transferring settlement accounting settlement business 凭证式国债投资银行业务商人银行业务咨询性金融业务基金托管现金清算票据清算电子清算转账结算会计结算业务。
贸易政策工具之出口促进措施及他
（三）外汇分红 是指政府允许出口商从其所得的出口外汇 收入中提取一定比例的外汇用于进口。
问题:试列举六种用于鼓励出口的非关 税措施
8.2 经济特区
一、经济特区的含义及特点
经济特区的含义
经济特区（economic zone）是指一个国家（地区）在 其管辖的地域内划出一定非关境的地理范围，实行特 殊的经济政策，以吸引外商从事贸易和出口加工等业 务活动。 其目的是为了促进对外贸易的发展，鼓励转口贸易和 出口加工贸易，繁荣本地区和邻近地区的经济，增加 财政收入和外汇收入。
大国出口补贴的经济效应分析(6月18日)
价格P
S 供给曲线
出 口
P’W＋s
补
PW a b
c
d
贴
PW’
ef
g
S
问题:图示分析大 国出口补贴的经济 效应
D 需求曲线
O D2 D1
S1 S2
数量Q
国际价格 国内价格 产量 （下降） （上升） （上
升）
国内需求 出口（ 量（下降 上升） ）
补贴前 Pw
Pw
（三）出口退税
出口退税（export rebates）是指国家为 了增强出口商品的竞争力和扩大出口， 由行政机构将商品中所含的间接税退还 给出口商，使出口商品以不含税的价格 进入国际市场，参与国际市场竞争的措 施。
问题:名词解释
二、鼓励出口的信贷措施
（一）出口信贷
问题:名词解释
出口信贷（export credit）是指通过出口国银行向出口厂商或进口 厂商提供贷款，以增强本国商品在国际市场中的竞争能力，扩大商 品出口。
政府根据出口实绩对某一公司或生产企业提供直接补贴
外汇留成制度或任何包含有奖励出口的类似做法 政府对出口货物的国内运输和运费提供了比国内货物更为优惠的条件 政府为出口产品生产所需的产品和劳务提供优惠的条件 政府为出口企业的产品，全部或部分免除、退还或延迟缴纳直接税或
出口买方信贷介绍(中国银行)
Export Buyer's CreditIntroductionExport buyer's credit is a medium-and-long-term financing facility provided by exporter's bank and supported by exporter's home government to the importer or its banks, with the purpose of promoting the export of capital goods and services such as homebred mechanical and electrical products, complete equipment and overseas contracted engineering projects.Functions1. Support from exporter' home country. Export credit, also called "Officially-Supported Export Credit", is a credit provided by the exporter's country for export goods of domestic financial institutions through the preferential policies in order to support the export of homebred capital goods and to strengthen the competitiveness of its home products. As the policy executors, each nation's Export Credit Agencies (abbreviated as ECAs) provide insurance, guarantee or direct preferential loans for the export credit.2. Optimize exporters' asset-liability structures. Since export buyer's credit is the financing for importers or their banks, exporters won't bear liabilities. Exporters have safe foreign currencies collection and accelerated capital turnover through it.3. Reduce importers' financing costs. On the one hand, importer's financing channels are expanded. On the other hand, the financing costs of export buyer's credit under ECA items (insurance, guarantee or direct financing) are much lower than that of average commercial loans. Because the business objectives of export countries' ECAs are to implement national policies rather than make profits, thus the premium rates (or the rates of guarantee) and the loan interest rate are always lower than market average.TermUsually no more than 10 years (from effective date of the loan contract to the repayment date of principal and interest)Interest RateAffected by factors such as borrower's business information, loan amount, term and guarantee type, the interest rate usually adopts floating rate. Subject to external regulators' and our bank's policies related to loan rate, it will be confirmed in the loan contract.ChargesUpon the international common practice, export buyer's credit will be charged management fee, obligation fee and other correlative fees according to certain rate standards.Target Customers1. Exporters shall be the entities who export capital goods and services such as homebred mechanical and electrical products, complete equipment and overseas contracted engineering projects.2. Borrowers should be importers, importers' banks (credit transfer banks) or import countries' statutory borrowing sectors in sovereignty level (such as Ministry of Finance, central bank etc.) which are approved by Bank of China.Application Qualifications1. The aggregate amount of commercial contracts should be no less than USD 1 million;2. The portion of export goods made in China should be worth more than 70% of the contract value of complete equipment and 50% of the watercraft and aircraft. Otherwise, the proportion of loan amount to contract value should be properly decreased;3. The proportion of spot payment in cash currency to watercraft contract value should be no less than 20%, and that to complete equipment contract value should be no less than 15%;4. The commercial contract of export buyer's credit should accord with the relevant legal rules of import country and export country;5. The export enterprise should underwrite export credit insurance in insurance institutions in accordance with Bank of China's requirements;6. Meet other requirements of Bank of China.Process1. The stage of financing intentDuring the initial business negotiation of two sides, or the exporter's participation in overseas biddings, the exporter shall contact our bank's enterprise business sector and applies for an intent letter of export buyer's credit from our bank. Meanwhile, after contacting with the relevant department of China Export & Credit Insurance Corporation, the exporter fills in a proposal form for applying for an intent letter or an intention letter of export buyer's credit. Bank of China will examine and verify the application in view of the relevant references, through relevant institutions or credit standing systems. Then Bank of China will accordingly approve or revise the financing package submitted by the exporter and issue a non-binding intent letter to the exporter.2. The stage of project negotiation and evaluationOur bank's business personnel will track and monitor the project developing circumstances, help the exporter and the borrower with business negotiations, define the financing proportion and settlement methods of export buyer's credit. Thus our bank can endeavor to match the loan payment and settlement methods with the loan terms such as withdrawal time and withdrawal amount.3. Negotiation and signing stage of loan and insurance contracts4. Loan use stageThe exporter transports goods, entrusts the international settlement department of our bank to process collection or L/C business according to the settlement method agreed on the contract, submits document to the borrower for its verification and send out a payment instruction. With all the preconditions satisfied, the exporter draws and uses the loan from our bank. The exporter should regularly provide export contract progress report to define delivery, project schedule and amount settlement.CaseCompany A is a famous domestic manufacturer of telecommunication equipment with important market overseas. In April, 2009, our bank granted an export buyer's credit to its overseas customer, a telecom operator, and gained high appreciation from it. With tightening liquidity of global financial market, export buyer's credit not only expands the financing channels for the importer but also made the financing costs much lower than the commercial loans at overseas market. Because, such business is insured by China Export & Credit Insurance Corporation with low risk. The export buyer's credit for the telecom operator granted by our bank played an important role for our customer, themanufacturer of telecommunication equipment, to win orders overseas. Since last year, our bank has taken support for Chinese enterprises "go abroad" as an important part of implementing the Science-based Development, and promoted export buyer's credit as a principal financial product for the "go-out" strategy of supporting Chinese enterprises.Our AdvantagesIn 1988, our bank accomplished the first export buyer's credit in China. Before the establishment of the Export-Import Bank of China in 1994, our bank is the only bank authorized by the government to conduct this business. Our bank had conducted 28 projects of export buyer's credit for 15 developing countries in Asia, Africa, Latin America and Eastern Europe. As special and competitive product of our bank, Export buyer's credit not only effectively supports customers to "go abroad" but also brings us large amount of rewards and sound international prestige.出口买方信贷(Export Buyer's Credit)产品说明出口买方信贷是出口国为了支持本国机电产品、成套设备、对外工程承包等资本性货物和服务的出口，由出口国银行在本国政府的支持下给予进口商或进口商银行的中长期融资便利。
金融词汇解释
A·account n.账户。
缩写：a/c；joint account：联名账户（3～5人，一般在夫妻、合伙人、贸易、买卖双方中使用，在中国不普遍）；account day/date：结算日，交割日，清算日（也可表示为settlement/delivery day）·accountant n.会计。
注会：CPA（=Certified Public Accountant）；CA（=Charted Accountant）·across-the-board 全面地（overall，general）。
例：an across-the-board price fall·acquisition n.获得、收购。
merger：兼并。
M&A（Mergers and Acquisitions）：兼并与收购。
并购的三种形式：①控股的形式：A+B=A+B（acquisition）；②吞并的形式：A+B=A （merger）；③合并的形式：A+B=C（consolidation，combination）·advance ①n.预支，预付款。
②v.（工资、物价）上涨；advance ratio：存货比/货存比·after-tax 税后。
before-tax：税前·aggregate adj.总计的；v. & n.总计。
aggregation：混业；segregation：分业·amortize v.分期偿还。
installment：n.分期付款·antidumping n.反倾销。
antidumping duty：反倾销税（和海关相关的一般用duty）；征税的用法：①levy sb. tax；②levy tax on sb.反倾销手段：提高关税，控制进口，向对方倾销；·anti-laundering：反洗钱；anti-inflation：反通胀；anti-acquisition：反收购·appreciate v.增值（通常指货币）。
出口信用保险的名词解释
出口信用保险的名词解释
出口信用保险（Export Credit Insurance）是一种由政府或私人
保险公司提供的保险形式，旨在保护企业对外贸易中的风险。
以下是其中常见的几个名词解释：
1. 出口信用保险公司（Export Credit Insurance Company）：出
口信用保险的提供者，可以是政府机构或私人公司。
其主要职责是为出口商提供担保和保险，帮助它们降低因买方支付风险、政治风险、商业风险等而可能遭受的损失。
2. 买方信用（Buyer’s Credit）：在出口交易中，买方信用指的是买方（进口商）获得的贷款或融资形式，以供支付购买出口产品的费用。
出口信用保险可以为买方提供信贷保护，减轻买方支付风险。
3. 政治风险（Political Risk）：政治风险包括政府行为、战争、暴力冲突、一揽子经济制裁等因素导致的出口商无法按时获得付款或执行合同的风险。
出口信用保险可以保护出口商免受这些风险的影响。
4. 商业风险（Commercial Risk）：商业风险是指由于买方破产、延迟付款、违约或其他商业原因导致的出口商无法获得货款的风险。
出口信用保险可以为出口商提供赔偿保障，帮助其应对商业风险。
5. 撤资保险（Investment Insurance）：出口信用保险公司提供
的一个补充保险，旨在保护投资者的对外直接投资所面临的风
险，包括政治风险和商业风险。
通过购买撤资保险，投资者可以在投资失败或投资国发生政治变化时获得部分或全部的赔偿。
中国进出口银行
by loan portfolio amongst its peers
in the world since 2007. Total assets of over RMB 1199 billions as of Dec. 31 2011.
Sovereign Credit Ratings
Page 5
Business Scope
Loan Outstanding
Page 6
CEXIM’s Worldwide Coverage
By the end of 2011, the Bank has 21 domestic branches and 3 overseas representative offices.
CEXIM Shipping Finance Program
方曙华Fang,Shuhua 交通运输融资部Transport Finance Dept.
中国进出口银行 12/09/2012 shanghai
2009-11-10 李 莅
Page 1
Contents
CEXIM Profile Shipping Finance Business The Business Development Focuses of Shipping
Page 25
Norway Sweden US
Page 26
Page 27
To Maintain Shipyards’ Normal Production Support High-tech Vessels, Offshore Equipments To Innovate Business Type
国际贸易实务：外汇贷款的种类
1. 现汇贷款
现汇贷款即⾃由外汇贷款。
外汇银⾏根据与借款单位签订的借贷合同，凭借款单位或借款单位委托办理进⼝物资的外贸公司的通知，在批准的购货清单和贷款额度内，⽤现汇对外⽀付贷款。
2. 买⽅贷款
买⽅贷款是由政府⽀持的，以提供信贷为⼿段，来⿎励本国商品出⼝的信贷。
也称为出⼝信贷（Export Credit）。
出⼝信贷有两种，即买⽅信贷(Buyer's Credit)和卖⽅信贷(Supplier's or Sellr's Credit)。
3. 政府混合贷款
政府混合贷款是政府贷款和出⼝信贷或商业银⾏贷款混合组成的⼀种贷款。
政府贷款也叫国家贷款。
是某国政府对另⼀国政府提供的具有经济援助性质的双边贷款。
这种贷款要列⼊贷款国政府的财政预算，并须经过相应的⽴法机构通过。
政府贷款利率较低，期限较长，但通常⾦额不⼤，⽽且，还要考虑各种政治因素，限定贷款⽤途。
4. 国际银团贷款
是⼀种有⼀家或⼏家银⾏牵头，多家国际商业银⾏或商⼈银⾏作为贷款⼈，向某个企业或政府提供⼀笔⾦额较⼤的中期贷款，期限⼀般为7年10年，这是⼀种结构较为复杂的并具有⼀定规模的商业贷款业务。
5. 福费廷（Forfaiting）
是出⼝地银⾏或⾦融机构对出⼝商的远期承兑汇票进⾏⽆追索权的贴现，使出⼝商得以提前取得现款的⼀种出⼝信贷融资⽅式。
出口买方信贷介绍
第4页/共19页ห้องสมุดไป่ตู้
Agenda
Ⅰ
Bank of China
Ⅱ
Export Buyer’s Credit
Ⅲ
Achievements
第5页/共19页
Introduction
Export buyer's credit is a medium-and-long-term financing facility provided by exporter's bank and supported by exporter's home government to the importer or its banks, with the purpose of promoting the export of capital goods and services such as homebred mechanical and electrical products, complete equipment and overseas contracted engineering projects.
第9页/共19页
General Terms and Conditions
Loan Amount: up to 85% of the Commercial contractTenor: up to 10-12 years (repayment period)Interest: 3M or 6M Libor plus marginFees: upfront fee, commitment fee, agency feeRepayment: quarterly or semi-annually repaymentCovenants: e.g. Minimum book value of equityECA Insurance: SINOSURE Export Insurance
工艺用专用英语（中英对照）
工艺用专用英语（中英对照）工艺英语（中英文）项目建议1.项目建议概况资格qualification预备资格prequalification商务条款与条件commercial terms and condition 商务commercial技术technical技术说明technical specification建议书proposal book资料费information price估价estimated price报价quoted price报价书quotation2报价资料工艺说明process descri ption工艺特点process feature经验记载experience record工艺特性process performance设备表equipment list说明规定规格specification简要说明short specification条件图sketch drawing流程图flow diagram平衡图balance diagram方框图block diagramP&I 图P&I diagram单线图single line diagram布置图layout平面布置图plot plan总图general plot plan附件appendix资料文件document3.合同技术用语保证guarantee性能保证performance guarantee 时间保证time guarantee 交货保证delivery guarantee建造保证workmanship guarantee 生产能力capacity质量quality消耗量consumption原材料feedstock原料raw material辅助原料sub-raw material产品product付产品by-product中间产品intermediate公用工程utility燃料fuel化学品chemical界区battery limit(界区)进料incoming(界区)出料outgoing界区条件battery limits condition (配管图)分界区match line 工厂装置plant设备equipment关键设备critical equipment专利设备proprietary equipment有位号设备itemized equipment无位号设备non-itemized equipment散装材料bulk material施工材料material of construction仪表instrument备品备件spare part建筑工具construction aid(现场)居住设施accommodation现场派遣expatriate运转率on stream factor运转天数stream day系列train日历日calendar day日历月calendar month机械(试车)完工mechanical completion 试车trial operation 初次试车initial operation开车start up注油oil in投料fees in首次出料first drop保证试运转guarantee test run装置验收plant acceptance移交turnover议定书protocol4估算估算estimate概算budgetary estimate推算slide幂指数power term(费用)分类,分项价格breakdown 外汇foreign currency当地货币local currency可兑换货币convertible currency 专利费license fee专利权税royalty变动专利权税running royalty专有技术费know-how fee基础设计费basic engineering fee 代理费agent fee 手续费commission不可预见费contingency外汇风险exchange risk易货补偿compensation直接费用direct cost间接费用indirect cost项目管理费project expense现场管理费field expense一般管理费overhead利润profit生活费living expense出勤津贴daily allowance(出差)准备费outfit allowance劳务费labor cost基本工资base wage补偿费payroll burden福利费fringe benefit5可行性研究可行性feasibility现场选定site selection(现场)位置location市场marketing可获利润率profitability生产成本production cost经营费operation cost可变成本variable cost不变成本fixed cost总投资total capital cost折旧费depreciation现金流量cash flow折现现金流量discount cash flow工况研究case study产权资本,自有资金equity建设资本利息interest during construction6业务范围现场勘测site survey工艺设计process design基础设计basic engineering基础设计包basic design package详细设计detail engineering采购procurement海运ocean transportation陆运inland transportation安装erection work土建工作civil work施工construction work临时工作temporary work投料试车commissioning培训training(现场)指导supervisory service 顾问advisor service 初步设计preliminary project最终设计final project基础设施infrastructure上部结构superstructure软件software硬件hardware7工厂分类与设计处女地工厂grass root plant总厂integral plant分厂single plant成套装置package plant翻版(设计)厂copy plant生产厂commercial plant中试工厂pilot plant实验室规模装置bench scale unit 石化总厂petrochemical complex 下游(厂) downstream(工业)放大scale-up扩建expansion改建、更改modification镜象布置mirror image设计余量over design降负荷运转turndown消除瓶颈Debottlenecking工厂模型plant model8设备工艺装置process plant装置区内on site装置区外off site界区内inside battery limit界区外outside battery limit公用工程设施utility facility贮存设施storage facility辅助设施auxiliary facility衔接interconnection主变电所main substation发电设施power generation facility事故发电设备emergency power generation facility 水处理装置water treatment facility冷却塔cooling tower抽水设施water intake facility海水淡化装置desalination facility蒸汽发生装置steam generation facility仪表空气发生装置instrument gas generation facility 惰性气发生装置inert gas generation facility空分装置air separation facility罐区tank yard散装贮藏设备bulk storage facility包装机械bagging facility制袋设备bag making facility装瓶设备bottling facility装货设施loading facility卸货设施unloading facility铁路侧线railway siding栈桥jetty行政办公楼administration building维修车间maintenance shop中央化验室central laboratory内部通用设施intercommunication facility 广播系统public address system询呼设施paging facility消防设施fire fighting facility安全器具safety equipment生活设施colony公用设施town-shop娱乐设施recreation facility9相关企业承包商contractor主承包商prime contractor分包商subcontractor直接雇佣direct hire专利商licenser转专利者sub-licenser专利使用者licensee专利拥有者patent-owner竞争者competitor国际财团consortium合作者collaborator买方(1)buyer(2)purchaser卖方seller厂商vendor制造商(1)maker(2)manufacture 业主owner顾问consultant技术顾问Technical adviser用户User最终用户End user客户(1)customer(2)client代理商agent挂名人dummy2. 投标合同2.1 投标概况询价inquiry报价估价书quotation estimation 投标投标书bid tender投标资料bid document预审pre-qualification意向书letter of intent2.2合同用语协议agreement合同契约contract注销cancellation约定Consideration合同转让Assignment of contract不可抗力force majeure仲裁attribution基本法governing law秘密条款(1)secrecy clause(2)non-disclosure clause 预定损坏赔偿费liquidated damages总赔偿额度total liability连带(债务) joint and several预先债权lien免除waiver保证guaranty担保warranty赔偿indemnity定义definition增额escalation罚款penalty支付条款terms of payment税金tax and duties侵犯专利patent infringement最高限额ceiling委任书power of attorney保证金bond2.3合同形式投标合同competitive bid contract议付合同negotiated contractFOB合同fob-type contract成套承包合同(1)turnkey contract (交钥匙合同) (2)chef montage contract 总付合同lump sum price contract单价契约unit price contract正价加附加费合同cost plus fee contract预投标协议pre-bid agreement产品抵债products sharing互购交易counter-purchase transaction3. 支付金融财务3.1支付金融支付条款支付条件payment terms延期付款deferred payments存留款项保留资金retention payment定期付款schedule payment施工分期付款progressive payment付款交单D/P documents against payment承兑交单调D/A documents against acceptance信贷信用credit卖方信贷供应商信贷supplier’s credit买方信贷buyer’s credit银行借贷bank loan财政金融finance借款借贷loan偿还reimburse reimbursement保证书letter of guarantee信用证信贷书letter of credit外汇兑换率exchange rate兑换单汇款单据documentary bill of exchange 汇款汇兑基金remittance3.2财务自然增长基数accrual basis资产负债表决算表balance sheet损益报表P&L profit and loss statement 4.采购运输保险4.1进出口手续出口许可证export license出口许可证变更E/L amendCOCOM coordinating committee标准结算方法standard payment非标准结算方法non-standard payment DBC draw back cargo(dbc)出口申报银行export declaration bank e/d 进口申报单export declaration custom进口许可证import license保税区域bonded area关税import duty原产地说明书certificate of origin发票Invoice4.2运输装箱单packing list提单bill of lading (B/L)指示提单order B/L直接提单straight B/L装运提单shipped B/L, on board B/L备运提单received B/L不附带条件的提单clean B/L不洁提单dirty B/L, foul B/L直运提单direct B/L联运提单through B/L船上收货单mate’s receipt装货通知单shipping order (S/O)交货单delivery order (D/O)空运货单airway bill海上运费ocean freight海上运费同盟freight conference目的地付费freight payable at destination码头人工搬运费stevedorage空载运费dead freight船到港预定时间expected time of arrival (ETA)船离港预定时间expected time of departure (ETD) 海关快速发货custom quick despatch (CQD)滞船费demurrage码头搬运商stevedore超尺寸运输over-dimension cargo (ODC)4.3保险海上保险marine cargo insurance现场指导失误保险supervisor’s risk insurance4.4贸易条件出厂价(1)ex works(2)ex factory(3)ex mill海上交货fob-named port of shipment含保险海上交货cif-named port of destination国境交货条件franco frontier4.5采购采购procurement厂家vendor厂家一览表vendor list市场价market price黑市价dark price现价up-to-date price level报价quotation偏差表deviation list到货时间time of delivery支付方式(1)terms of payment(2)payment condition(3)payment terms 延缓支付deferred payment 现金支付cash on delivery预先支付down payment发货前支付advance payment到货后支付progress payment计划支付scheduled payment购买条件terms and conditions of purchase折价discount谈判交涉negotiation澄清clarification购买意向intent to purchase比较表tabulation评语evaluation价格分析value analysis定购单purchase order变更定购单change order支付方式method of payment现金cash支票check期票promissory note催货expediting跟踪系统follow-up system4.6包装包装packing防锈包装rust-proof packing防潮湿包装moisture-proof packing 防水包装water-proofpacking软包装shrink packing木箱wooden box板条箱crate滑橇底座skid base框架箱framed box码垛盘pallet侧板side plate吊具sling fitting花篮螺栓turnbuckle钢带steel strapping角保护袋edge protector closure plate 防护角corner protector 板board合板plywood缓冲材料cushioning material通气孔盖ventilation cover超载superimposed load开包unpacking船上标志shipping mark注意标志care mark5.项目执行及费用管理5.1项目执行总图会议kick-off meeting项目研究会议project study meeting 开工会议launching meeting项目报告project reporting审查会议screening meeting进展报告progress report协调过程coordination procedure变更指示change order认可approval复阅review5.2工程项目完工报告job close-out report项目执行报告job performance report完工汇编close-out book反馈系统feed back system项目设计条件project design information会签inter-department check工程设计engineering design工艺条件确认engineering review工艺条件校核engineering checking项目完成指标审核表project performance check sheet 施工版approved for construction (afc)设计变更error report技术文件technical data book管道材料工艺条件process data for piping material载荷条件loading data关键路径法critical path method关键路径进度表critical path schedulingPERT program evaluation and review technique 5.3费用及工时管理工程预算project control budget工时man-hour (M/H)工日man-day (M/D)人月man-month (M/N)考勤表time sheet工作号work number项目号job number预期项目号proposal number改进工作improvement work闲滞idle工时报告man-hour report项目工时汇总job man-hour performance report 5.4费用分类费用分类code of account主账major account分账sub-account设备位号item number5.5组织指定assign借调on-loan项目成员project number项目经理project manager (PM)项目经理助理assistant project manager (APM)施工经理construction manager (CM)开工经理operation manager (OM)现场指挥field manger项目前期经理proposal manager估算员estimator原始采购员originator协调员coordinator项目设计协调员project design coordinator (PDC)6.标准化资料管理法规规格6.1标准化标准化standardization标准规格standard工程规定engineer specification项目特殊要求specific job requirement工程手册engineering manual标准图standard drawing工程用表格engineering form法规law and regulation法律law6.2资料管理情报管理information and documentation信息中心information center调研(追述) retrospective searching信息选择服务selective dissemination of information 情报跟踪current awareness检索效率retrieval efficiency资料documents原文献primary sources文献摘抄secondary sources连载刊物serials定期刊物periodieals(学会)纪要memoirs会报transactions。
国际金融--第七章 国际信贷
(4）与信贷保险结合：2001年12月18日，由国家出资设立，我国成立了中 国出口信用保险公司。其业务范围包括中长期出口信用保险业务、海外 投资保险业务等，重点支持货物、技术和服务等出口。
第3节出口信贷
3.2卖方信贷(Supplier’s Credit) 概念及流程： 是指在大型机械设备或成套项目贸易中，为便于出口商以延期付款方式
第7章国际信贷
学习目的与要求： 本章通过学习，了解各类国际贸易短期融资
的活动的概念、特点，理解并掌握国际保理、出 口信贷的概念、特点、适用范围及基本业务流程。 了解政府贷款的种类。
第7章国际信贷
国际信贷，是指在国际金融市场上，一国的银行、其他金融机 构、政府、企业以及国际金融机构，向另一国的银行、其他 金融机构、政府、企业以及国际机构提供贷款的活动。
5现汇付款
第3节出口信贷
3.3.买方信贷（Buyer’s Credit） 贷款原则： (1)进口商所获融资仅限于向贷款国的出口商、或在该国注册的外国出口公司
进行支付，且资金使用仅限于进口资本货物，且限于贷款国制造的资本货 物。如我国规定，买方信贷的贷款仅限于购买中国的成套设备、船舶或其 他机电产品。 (2)使用买方信贷的贸易合同应符合一定的条件。如我国曾规定，买方信贷的 贸易合同应具备以下条件：设备贸易合同金额不低于100万美元；成套设备 的中国制造部分不低于70％，船舶不低于50％，否则适当降低贷款金额。 (3)贷款金额的确定原则。与卖方信贷一样，买方信贷也不是全额融资，一般 只提供贸易合同金额的85%，其余15%由进口商现汇支付。 (4)贸易合同以现汇付款为结算方式。取得买方信贷资金后，进口商就对出口 商进行现汇支付，然后，再分期偿还银行贷款。
度 3.出口保理商要求进口保理商对进口商进行信用评估 4.如进口商信用良好，进口保理商将为其核准信用额度 5.如果进口商同意购买出口商的商品或服务， 出口商开始供货，并将附
保险术语
保险产品术语保险insurance投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。
财产保险财产保险property insurance以财产及其有关利益为保险标的的保险。
企业财产保险commercial property insurance以单位或团体所有、占有或负有保管义务的位于指定地点的财产及其有关利益为保险标的的财产保险。
家庭财产保险household property insurance以个人所有、占有或负有保管义务的位于指定地点的财产及其有关利益为保险标的的财产保险。
营业中断保险business interruption insurance以单位因停产、停业或经营受影响而面临的预期利润的损失及必要的费用支出为保险标的的财产保险。
机器损坏保险machinery breakdown insurance以各类已安装完毕并投入运行的机器为保险标的财产保险。
运输工具保险运输工具保险vehicle insurance以运输工具及其对第三者的赔偿责任为保险标的的保险。
机动车保险auto insurance以机动车本身及其造成的赔偿责任为保险标的的运输工具保险。
船舶保险hull insurance以船舶、船舶属具和水上装置及其碰撞造成的赔偿责任为保险标的的运输工具保险。
飞机保险aircraft insurance以飞机机身及其造成的对机上人员、空中或地面第三方人员的赔偿责任为保险标的的运输工具保险。
航空保险aviation insurance以飞机机身、航空运输、航空活动和航空产品及其造成的赔偿责任为保险标的的运输工具保险。
货物运输保险货物运输保险cargo insurance以运输途中的货物为保险标的保险。
海上货物运输保险marine cargo insurance以通过海上运输方式运输的货物作为保险标的的保险。
国际贸易名词解释
国际贸易名词解释机会成本（opportunity cost）：The amount of another item must be given up in order to release sufficient resources to produce one more unit of a given item.生产某种产品而必须放弃的能够生产除此以外最大可获收益的产品的代价。
机会成本不变的存在需要两个条件：第一，两种产品生产中所使用的要素比例固定不变，并且可以相互替代；第二，所有产品中使用的同一要素都是同质的。
绝对优势（absolute advantage）If one nation is more efficient than (or has an absolute advantage over) another nation in the production of one commodity, the nation has absolute advantage in that commodity.各国间存在的生产技术存在绝对差异，以及由此造成的劳动生产率和生产成本的绝对差别，是国际分工和国际贸易的基础。
各国应集中生产并出口具有“绝对优势”的产品，进口其不具有“绝对优势”的产品，其结果比自己什么都生产更有利。
比较优势（comparative advantage）According to the law of comparative advantage, even if a nation is less efficient than the other nation in the production of both commodities, there is still a basis for mutually相互地beneficial trade. The first nation should specialize in the production of and export the commodity in which its absolute disadvantage is smaller and import the commodity in which its absolute disadvantage is greater.两国间生产技术存在相对差异，生产和贸易模式是由生产技术的相对差异以及由此产生的相对成本的差异决定的。
保险术语
2.1 风险风险risk纯粹风险pure risk投机风险speculative risk财产风险property risk责任风险liability risk人身风险personal risk信用风险credit risk环境风险environmental risk职业风险occupational risk自然风险natural risk巨灾风险catastrophic risk；catastrophe 社会风险social risk政治风险political risk经济风险economic risk税收风险tax risk法规风险legal risk ；regulatory risk2.2 风险因素风险因素hazard物质风险因素physical hazard道德风险因素moral hazard心理风险因素morale hazard风险事故peril2.3 风险管理风险管理risk management风险管理目标risk management goal风险规避risk avoidance风险自留risk retention风险预防risk prevention风险抑制risk restraint风险中和risk neutralization风险转移risk transfer风险集合risk pooling风险分散risk diversification风险识别risk identification风险估测risk estimation风险评价risk evaluation风险分级risk classification风险管理技术选择risk management technique selection控制型风险管理技术loss control risk management techniques 财务型风险管理技术financial risk management techniques3.精算术语3.1 产品定价精算方法actuarial method精算师actuary精算假设actuarial assumption大数法则Law of large numbers修匀graduation演示利率illustration Internet rate费率厘定rating纯保费法pure premium method损失率法loss ratio method定价利率pricing interest rate保险费率premium rate纯费率pure premium rate费率浮动premium rate adjustment纯保费pure premium净保费net premium附加费用loading总保费Gross premium已赚保费earned premium未满期保费unearned premium特殊费率special premium rate评估净保费valuation net premium风险修正因子credit and surcharge factor财产保险产品定价损失loss损失程度loss severity案均损失average loss per claim损失频率loss frequency直接损失direct loss间接损失indirect loss人身保险产品定价生命表life table死亡表Mortality table经验生命表experience mortality table国民生命表population mortality table选择生命表select mortality table终极生命表ultimate mortality table综合生命表aggregate mortality table平均余命life expectancy疾病发生率表morbidity table发病率morbidity rate死亡率mortality rate3.2 准备金准备金reserve法定责任准备金statutory reserve评估利率valuation interest rate保险公司依法确定的用以计算责任准备金的利率通用会计准则准备金generally accepted accounting principles（GAAP）reserve在保险公司持续经营的前提下，为了在公正、一致的基础上反映经营状况、体现盈利水平，而采用合理而谨慎的假设计算的准备金保费不足准备金premium deficiency reserve（寿险）评估未来交费期间内的纯保费与毛保费之差，若纯保费大于毛保费，则按评估基础计算其在评估日的精算现值。
国际信贷第四章出口信贷课件
2．保理业务不需要进口商所在地银行对 汇票的支付进行担保，而福费廷业务则必须履 行该项手续；
三、福费廷 Forfeiting
（四）福费廷与保理业务的区别 3．保理业务中出口商不需事先与进口商
合同，ห้องสมุดไป่ตู้进口商先缴纳相当于货款15%的现汇定金； 第二，在贸易合同签订后至预付定金之前，出口商应投保
出口信用险，之后由进口商与出口商所在地银行签订贷款协议； 第三，进口商用其借款以现汇方式付款给出口商； 第四，进口商对出口地银行的借款，按贷款协议的规定分
期偿还，并支付利息。
二、买方信贷 Buyer Credit
（三）优点与不足 1．优点 （3）对贷款银行有利 贷款给国外的买方银行要比贷给国内企业
风险较小，因为银行的资信通常都高于企业， 故出口方银行更愿意承做买方信贷业务。
二、买方信贷 Buyer Credit
（三）优点与不足 2．不足 与卖方信贷相比，买方信贷涉及的关系面
多，手续更为复杂。
三、福费廷 Forfeiting
第一节 出口信贷的概念特点及利弊
三、出口信贷的作用和弊端 （二）出口信贷的弊端
1．加重出口国的财政负担 2．出口信贷同进出口设备相结合，不利 于进口商进行价格斗争，以降低进口成本 3．出口信贷使用不当会加重债务负担
第二节 出口信贷的主要类型
一、卖方信贷 二、买方信贷 三、福费廷 四、混合贷款——买方信贷与卖
协商，而福费廷业务则需进出口双方事先协商 一致；
4．保理业务内容综合，而福费廷业务内 容较为单一。
credit line
出口类保函
出口类保函是指银行应出口方的申请向进口 方开出的保函，适用于国际承包业务和商品 出口业务。 出口类保函分为 投标保函Tender Guarantee 履约保函Performance Guarantee 预付款保函Advanced Payment Guarantee
Tender Guarantee
Inward Bills
进口押汇（Inward Bills）是指信用证开证 行在收到出口商或其银行寄来的单据后先 行付款，待进口商得到单据、凭单提货并 销售后收回货款的融资活动。
Letter of Guarantee
在商业活动中，银行信用要高于商业（企 业）信用。由于商业活动一方对对方的资 信不放心，就要求对方提供银行担保。 银行保函（Letter of Guarantee, L/G） 指商业银行根据申请人的要求向受益人开 出的担保申请人正常履行合同义务的书面 证明。 根据保函的使用范围，分为出口类保函、 进口类保函和其他类保函
Worldwide Credit
Worldwide Credit is a business mod e with which all branches, under the coordination of the Head Office of Bank of China, provide unified group credit in an integrative way to overseas transnational group enterprises to meet the demand for the global business development, especially the business development in China of the overseas transnational group enterprises.
国际贸易中英文文章
国际贸易中英文文章商务英语专业国际贸易课程一直为很多从事商务英语教学和研究商务英语的人士所关注。
下面是店铺带来的国际贸易中英文文章，欢迎阅读!国际贸易中英文文章1INTERNATIONAL SALES CONTRACTThe Seller agrees to sell and the buyer agrees to buy the undermentioned commodity according to the terms and conditions stated below:(1)Name of Commodity:Haier refrigeratorProduct description:(a) model number:BCD—226STV(b)About the exterior appreance:total volume(L):226power comsumption(kW.h/24h):0.6effective area of freezer:58effective area of variable greenhouse:43effective area of storage room:125dimentions(L*W*H):580*560*1786mm(c)About the function:Fresh kept; automatic thermostat;over-temperature alarm; led display;individual shutdown.Unit Price: $680 (680 dollars)per setQuantity:1000 sets(2)Contract Value：$680,000(six hundred and eighty dollars )(3)Country of Origin: China(4)Port of Shipment: Dalian,China(5)Port of Destination: Newyork,Ameirica(6)Time of Shipment: November 12th, 2009(7)Packing: The goods must be properly packaged, suitable for ocean-going and long-distance land transport, moisture, shock, anti-rust resistance, rough handling, to ensure that the goods will not be damaged by the above reasons, so good to arrive safely. Any loss caused by poor packing should be born by the seller.(8)Marks: The seller must use non-fading paint to print each box number, size, gross weight, net weight, hanging position, "this side up", "Handle with care", "keep dry" and other words.(9) Insurance：The insurance shall be covered by the Seller under the term of CIF for 110% of the invoice value against all risks.(10) Terms of Payment: Letter of Credit.The buyer shall 30 days prior to shipment open an irrevocable credit contained the buyer as the payer and the seller as the beneficiary through U.S. bank. China bank should commit the credit after he received and verificated the following documents.(a)Full set of clean on board ocean Bills of Lading made out to Great World Store and blank endorsed marked freight to collect;(b)Commercial lnvoice;(c) The Inspection Certificate of Quality issued by CCIC of China;(d)Certificate of Origin;(e)Notice of Shipment.(11)Terms of Shipment:(a)The seller must notify the buyer name of the booking vessel and itstransportation routes 40 days before sail, for thebuyer to confirm.(b)The seller must notify the buyer expected time of delivery, contract number, invoice amount, the number and the shipment weight and size of each piece 20 days before shipment.(C) The seller must notify the buyer of goods, quantity, gross weight, invoice amount, name of the vessel, and departure dates by telegraph/telex within 48 hours after shipment.(d) If any piece of cargo to meet or exceed the weight of 10 tons, 15meters long , 10 meters wide, the seller shall 50 days before shipment provide the buyer with five copies of detailed packing drawing, indicating detailed size and weight, so that the buyer can arrange inland transport.(e)Transhipment and Partial shipment are both not allowed.(12) Inspection:(a)The seller must test the quality of goods, specification and quantity fully and accurately, and issue a quality certificate to prove that the delivery is in accordance with the relevant provisions of the contract , but this certificate is not the fianl basis toprove quality of the goods, specifications, performance, and number .The seller should attach the written report contained inspection details and results of tests to the quality manual.(b)After the goods arrive at the port of destination, the buyer must apply to the U.S. Commodity Inspection Bureau for inspecting the quality of goods, specification and quantity , and issue a certificate of inspection. If you find that the quality, specification and quantity do not match with the contract, in addition to which insurance companies or ship shall be responsible for, the buyer has the right to refuse accepting the goods and claim to the seller,within 7 days after arrival at the port of destination .(c) If the inspection certificate can not be settled within the validity period of the contract for some unforeseen reasons, the buyer should telephone the seller to extend the inspection period for 3 days.(13)Claims:(a) Within 3 days from the date of the arrival of the goods at the final destination,if the quality,specification,quantity and packing of the goods are found not in conformity with the stipulations of this contract,the Buyer shall give a notice of claims to the Seller within the above mentioned time limit and have the right to lodge claims .(b)Considering the result from the defect of the goods ,the Buyer has the right to bring the claims for their damages against the Seller. The Seller shall undertake to make the compensation for claims,except those for which the insurrance company should undertake the obligations.(14)Force Majeuer:(a)If any contracting party could not fulfill the contract by resistance of force majeure, the period of time for compliance should be extended accordingly.(b) Hindered side should telegraph the other in the force majeure and termination , and deliever the Certificate issued by the competent bodies of the accident to the other for recognition by registered air mail within 14 days after the accident.(C)IF force majeure event continues more than 120 days, the other party have the right to send written notice by registered air mail, asking a party to terminate the contract,and notification come to effect immediately.(15)Law Application:(a)It will be governed by the law of the People's Republic ofChina under the circumstances that the contract is signed or the goods while the disputes arising are in the People's Republic of China or the defendant is Chinese legal person, otherwise it is governed by United Nations Convention on Contract for the International Sale of Goods.(b)The terms in the contract are based on INCOTERMS 1990 of the International Chamber of Commerce.(16)Arbitration:(a)All disputes in connection with this contract or the execution thereof shall be settled friendly through negotiations.(b)In case no settlement can be reached, the case shall then be submitted for arbitration to China International Economic And Trade Arbitration Commission in accordance with the provisional Rules of Procedures promulgated by the said Arbitration Commission.(c)The arbitration shall take place in Beijing and the decision of the Arbitration Commission shall be final and binding upon both parties; neither party shall seek recourse to a law court nor other authorities to appeal for revision of the decision.(d)Arbitration fee shall be borne by the losing party.(17)Additional terms:This contract shall come to effect since being signed/sealed by both parties.Each party holds one copy.Representative of the sellers: 潘米Representative of the buyers: George sullivan国际贸易中英文文章2国际贸易International Trade世界贸易World Trade对外贸易Foreign Trade国外贸易External Trade海外贸易Oversea Trade区域贸易Inter-regional Trade南北贸易South-North Trade南南贸易South-South Trade国际贸易额Value of International Trade进出口贸易额Value of Exports and Imports国际贸易差额Balance of Trade国际贸易量Quantum of International Trade贸易依存度Degree of Dependence on Foreign Trade 贸易条件Trade Terms出口贸易Export Trade进口贸易Import Trade转口贸易Entrepot Trade过境贸易Transit Trade复出口贸易Re-export Trade复进口贸易Re-import Trade总贸易General Trade专门贸易Special Trade有形商品贸易Tangible Goods Trade无形商品贸易Intangible Goods Trade直接贸易Direct Trade间接贸易Indirect Trade双边贸易Bilateral Trade三角贸易Triangular Trade多边贸易Multilateral Trade现汇贸易Spot Exchange Trade记账贸易Clearing Account Trade易货贸易Barter Trade陆路贸易Trade by Roadway海陆贸易Trade by Seaway空运贸易Trade by Airway邮购贸易Trade by Mail Order关税与贸易总协定(关贸总协定)GATT世界贸易组织WTO国际货币基金组织IMF国际贸易组织ITO世界贸易中心ITC《服务贸易总协定》GATS《关于与贸易相关的知识产权包括对冒牌货贸易的协议》TRIPs 进口税Import Duties普遍优惠制(普惠制)Generalized System of Preference(GSP)出口税Export Duties过境税Transit Duties进口附加税Import Surtaxes反补贴税Counter vailing Duty反倾销税Anti-Dumping Duty差价税Variable Duties滑动关税Sliding Duty从量税Specific Duties从价税Ad Valorem Duties混合税Mixed or Compound Duties选择税Alternative Duties海关税则Customs Tariff通关手续Procedure of Apply to the Customs非关税壁垒Non-Tariff Barriers(NTBS)进口配额Import Quotas绝对配额Absolute Quotas全球配额Global Quotas or Unallocated Quotas国别配额Country Quotas关税配额Tariff Quotas“自动”出口配额制(又称“自动”限制出口)(自限制)“Voluntary”Export Quotas 进口许可证制Import License System外汇管制Foreign Exchange Control进口和出口的国家垄断State Monopoly政府采购政策Discriminatory Government Procurement Policy 国内税Internal Taxes最低限价Minimum Price禁止进口Prohibitive Import进口押金制Advanced Deposit海关估价制度Customs Valuation联邦食品药物管理署FDA出口信贷Export Credit卖方信贷Supplier’s Credit买方信贷Buyer’s Credit出口信贷国家担保Export Credit Guarantee System出口补贴Export Subsidies商品倾销Dumping外汇倾销Exchange Dumping促进出口的组织措施Organizing Measures to Export Promotion自由港Free Port自由贸易区Free Trade Zone出口加工区Export Processing Zone保税区Bonded Area自由边境区Free Perimeter过境区Transit Zone商品名称(品名)Name of Commodity货物描述Description of Goods国际标准化组织International Organization ofStandardization(ISO) 实际品质Actual Quality凭样品Sample凭样品买卖Sale by Sample凭卖方样品买卖Sale by Seller’s Sample品质以卖方样品为准Quality as per Seller’s Sample留样Keep Sample复样Duplicated Sample凭买方样品买卖Sale by Buyer’s Sample凭对等样品买卖Sale by Counter Sample确认样品Confirming Sample商品的规格Specification商品的等级Grade of Goods凭等级买卖Sale by Grade凭标准买卖Sale by Standard良好平均品质Fair Average Quality(FAQ)上好可销品质Good Merchantable Quality(GMQ)凭说明书和图样买卖Sale by Descriptions and Illustrations 品牌Brand商标Trade Mark凭产地名称买卖Sale by Name of Origin最大、最高、最多Maximum(Max.)最小、最低、最少Minimum(Min.)品质公差Quality Tolerance重量单位Weight数量单位Number长度单位Length面积单位Area体积单位Volume容积单位Capacity毛重Gross Weight净重Net Weight以毛作净Gross for Net公量Condition Weight理论重量Theoretical Weight法定重量Legal Weight实物净重Net Weight数量机动幅度Quantity Allowance溢短装条款More or Less Clause增减条款Plus or Minus Clause“约”量Approximate，About散装货Bulk Cargo，Cargo in Bulk 裸装货Nude Cargo运输标记(唛头)Shipping Mark指示性标记(操作标志)Indicative Mark 警告性标志Warning Mark中性包装Neutral Packing适合海运包装Sea-worthy Packing 习惯包装Customary Packing贸易术语Trade Terms托运人shipper交货delivery通常usual费用charges港口port地点place点point所在地premise船只ship和vessel查对checking检验inspection计价货币Money of Account支付货币Money of Payment净价Ney Price佣金Commission折扣Discount，Allowance数量折扣Quantity Discount特别折扣Special Discount单价Unit Price总值Total Amount海洋运输Ocean Transport班轮运输Liner Transport船期表Sailing Schedule班轮运费Liner Freight租船运输Charter Transport定程租船Voyage Charter定期租船Time Charter光船租船Bare Boat Charter铁路运输Rail Transport航空运输Air Transport班机运输Airline Transport包机运输Chartered Carrier Transport 集中托运Consolidation Transport 航空急件传送Air Express Service 公路运输Road Transport。
口行两优Chinese Government Concessional Loan
Two Concessional Loan:Two Concessional Loan means two kinds of concessional loans, such as Chinese Government Concessional Loan and Preferential Export Buyer‘s Credit Loan. Chinese Government Concessional Loan (hereinafter referred to as the “concessional loans”) refers to the medium and long-term, low interest rate credit extended by China Eximbank under the designation of the Chinese Government with the nature of official assistance. Preferential Export Buyer‘s Credit Loan(hereinafter referred to as the “preferential buyer”) refers to the medium and long-term credit with preferential terms and conditions, aiming to promote China’s economic and trade cooperation with other key countries and regions. Approved by the state council, it is a particular loan.1.The common characteristic:Objective: To promote the economic and social development of the borrowing countries and improve living standards of people; to boost the China’s economic cooperation with the borrowing countries.Loan purpose: Fund manufacturing projects, infrastructure construction project and social welfare projects in the borrowing countries, which can generate promising economic returns or good social benefits; Finance the procurement of Chinese mechanical, electronic products, complete sets of equipments, technology and services and other goods by the borrowing countries.Prospective borrower: The borrower of concessional loan is normally the government of the borrowing country represented by Ministry of Finance. Under special circumstances, the borrower could be a financial institution or other agencies designated by the government of the borrowing country and acceptable to China Eximbank. In such case, Ministry of Finance of the borrowing country is required to provide repayment guarantee acceptable to the bank. Emphasize the government background.Supported area:There is long-term promoting for economic and social development of the borrowing country; There has a good economic benefit and financial income; There could strengthen the Economic hematopoietic area of borrowing country, such as infrastructure and manufacturing --- energy resources development, transportation, communication and so on.2. The two main contents’ comparison3.Loan &Financing Requirements1)The project shall be approved by both the Chinese Governmentand the Government of the borrowing country;2)The borrowing country shall have sound diplomatic relations withChinese Government, and shall be politically stable and economically sound, with debt servicing capacity and reliable contract-performance record;3)The project shall be technically feasible;4)The project is able to yield sound economic returns and socialbenefits;5)Chinese Companies shall be selected as the project contractor. Andfor procurement projects, equipment supply shall come form a Chinese exporter in principle;6)In project procurement or introduction, priority shall be given toequipment, materials, technology or services from China. In principle, no less than 15% of engineering contracting projects and no less than 50% of total procurement (including the equipment procurement projects and equipment part of engineering contracting projects) shall be made in China.7)The counterpart funds for the project shall be already in place;8)Other documents required by the Chinese Government andEximbank.4.The Essential Data for Loan Appraisal1)Proposal (loan application letter) from Government of borrowingcountry, including project name, introduction, loan application amount, loan period, grace period, interest rate, Chinese executive enterprises and the project owner, etc.2)Recommendation issued by the commercial counselor’s office ofthe Chinese Embassy in the borrowing country;3)Commercial contract or other types of cooperation agreementssigned between the Chinese contractor/exporter and the local executing agency of the borrowing country, including reasonable and clear payment terms, Letter of guarantee to open arrangement, quantities, construction period, guarantee period, commence date, time for completion and effective date of the contract, etc.4)Project proposal or Feasibility Study Report approved by thegovernment of borrowing country specifying the essential significance of the project (target and objective), content and scope of the project, investment budget, and other information including technical and economical feasibility and social benefits;5)Environmental Assessment Report approved by the government ofborrowing country and Environmental Assessment approval documents of the project, etc.5.Operation Procedures:Concessional Loan:1) The project shall be approved by both the Chinese Government andthe Government of the borrowing country;2) The borrowing country applies for loan application to Eximbank and submits the necessary materials of the project appraisal;3) Eximbank will evaluate the project;4) After Eximbank finished, the result will be reported to the Ministry of Commerce;5) Ministry of Commerce will lead to finish the internal approval process of Chinese government;6) Chinese government publishes the frame agreement and signed after the borrowing country approved;7) The frame agreement will file to Eximbank for record, and Eximbank draws up loan agreement;8) Once loan agreement has been confirmed by the borrower, Eximbank will sign the contract;9) The borrower submits the effective documents according to the effective conditions prescribed by the loan agreement. The loan agreement will be took effect after approved by Eximbank;10) The borrower submits the loan documents for the first time according to the loan for the first time conditions prescribed by the loan agreement. The loan for the first time will be issued after approved by Eximbank. Eximbank must supervise the fund flow of the loan for the first time.11) The borrower submits the loan documents according to the loan conditions (except the loan for the first time) prescribed by the loan agreement and commercial contract. The loan will be issued deal by deal after approved by Eximbank;12) The borrower repays the interests and principal according to the loan agreement, if not, Eximbank will take steps to stop loan.政府优惠贷款基本流程Basic Procedure of Government Concessional Loan：6Preferential buyer:1)The project shall be approved by both the Chinese Governmentand the Government of the borrowing country;2) The borrowing country applies for loan application to Eximbank and submits the necessary materials of the project appraisal;3) Eximbank will evaluate the project;4) After Eximbank finished, the result will be reported to the Ministry of Commerce;5) Ministry of Commerce will lead to finish the internal approval process of Chinese government;6) Eximbank draws up and issued the loan agreement after the project approved by Chinese Government;7) Once loan agreement has been confirmed by the borrowing country, Eximbank will sign the contract;8) The borrower submits the effective documents according to the effective conditions prescribed by the loan agreement. The loan agreement will be took effect after approved by Eximbank;9) The borrower submits the loan documents for the first time according to the loan for the first time conditions prescribed by the loan agreement. The loan for the first time will be issued after approved by Eximbank. Eximbank must supervise the fund flow of the loan for the first time.10) The borrower submits the loan documents according to the loan conditions (except the loan for the first time) prescribed by the loan agreement and commercial contract. The loan will be issued deal by deal after approved by Eximbank;11) The borrower repays the interests and principal according to the loan agreement, if not, Eximbank will take steps to stop loan.优买基本流程Basic Procedure of Preferential Buyer:。
export buyer's credit
3. Buyer's credit process
Seller
5. Advance 1.Contract
7. Loan Disbursement
6. Good Delivery
4. Export credit insurance Sinosure(China Export and
Chinese Bank
2
2. Credit Coverage:
Export Buyer's Credit is mainly extended to finance exports of Chinese products, technologies and services as well as overseas construction projects that can facilitate Chinese exports of equipment, construction machinery, materials, technical and managerial expertise, and labor services.
To apply for export buyer's credit, the following documents need to be provided: 1)Loan Application; 2)Draft commercial contract, letter of intent and other contractual documents; 3)Necessary project feasibility study report; (contains: Geological exploration,Environmentaprotection, Construction period, Return on investment, ect.) 4)Necessary approval and evidentiary documents provided by competent government authorities of both China and the importing country; 5)Documents that demonstrate the credit standings and operations of the borrower, the guarantor, the importer and the exporter, as well as audited financial statements of the borrower and the guarantor (excluding government authorities) over the past three years; 6)For RMB-denominated export buyer's credit, application for opening bank settlement account and relevant evidentiary documents need to be provided; 7)In the case of mortgage or pledge, valid ownership certificates for the property under mortgage or pledge and evaluation reports need to be provided; and 8)Documents of intent onSinosure credit insurance; 9)Other documents deemed necessary by the Bank.
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5. The following requirements shall be satisfied when applying for Export Buyer's Credit:
1).The economic and political environment of the borrower's country should be stable; 2).The borrower should demonstrate sound credit standing and good debt servicing capacity; 3).The value of the commercial contract shall exceed USD 2 million, and the export project shall fall into the financing area of this credit; 4).The Chinese content of export products should be no less than 50% of the total contract value. For the overseas contracting projects, no less than 15% of the project shall come from the export of Chinese equipment,construction mechanics, materials, engineering work, technical and managerial expertise, and labor services; 5).The borrower shall provide a repayment guarantee acceptable to the Bank; 6).Export credit insurance shall be required; 7).Other requirements the Bank deems necessary.
6. Terms and Conditions: 1).Currency The currency of the loan could be US Dollar or other foreign currencies acceptable to the Bank. The Bank can also provide RMB-denominated export buyer's credit according to relevant rules and regulations. 2).Financing Amount Credit for ship exports shall not exceed 80% of the total contractual value,and credit for other exports and overseas contracting projects and other export projects shall not exceed 85% of the total contractual value, 3).Maturity The tenor shall be calculated on the cash flows projection of each project.The maximum tenor, starting from the date of the first drawdown till the last repayment date, shall not exceed 15 years inprinciple. Within the repayment period, the borrower shall repay semiannually in equal installments unless otherwise specified. 4). Interest Rate The interest rate of foreign currency-denominated credit could be either a fixed or floating interest rate in accordance with relevant rules and regulations of the Bank. The interest rate of RMB-denominated credit shall follow relevant rules and regulations. 5). Fees Chinese bank will charge management fees, commitment fees and other fees relevant to the loan. For projects not covered or partially covered by export credit insurance, the Bank will charge exposure fees on the exposed part of the loan. Rates for individual projects are decided in accordance with relevant rules and regulations of the Bank.
3. Buyer's credit process
Seller
5. Advance Payment
1.Contract
7. Loan Disbursement 6. Good Delivery 4. Export credit insurance Sinosure(China Export and Credit Insurance Corp)
Chinese Bank
2.Loan Contract 8.Re(Borrower)
3. Repayment Guarantee
Guarantor (Buy`s Parent Company or Buyer`s Commerical Bank)
4. Application Requirements: The borrower can be a foreign importer (project owner), a foreign financial institution, or the Ministry of Finance or other authorized institutions of the importing country, which are acceptable to the Bank.The exporter should be an independent legal entity with export license and the ability to perform commercial contracts. To apply for export buyer's credit, the following documents need to be provided: 1)Loan Application; 2)Draft commercial contract, letter of intent and other contractual documents; 3)Necessary project feasibility study report; (contains: Geological exploration,Environmentaprotection, Construction period, Return on investment, ect.) 4)Necessary approval and evidentiary documents provided by competent government authorities of both China and the importing country; 5)Documents that demonstrate the credit standings and operations of the borrower, the guarantor, the importer and the exporter, as well as audited financial statements of the borrower and the guarantor (excluding government authorities) over the past three years; 6)For RMB-denominated export buyer's credit, application for opening bank settlement account and relevant evidentiary documents need to be provided; 7)In the case of mortgage or pledge, valid ownership certificates for the property under mortgage or pledge and evaluation reports need to be provided; and 8)Documents of intent onSinosure credit insurance; 9)Other documents deemed necessary by the Bank.
7. Loan Application and Approval The following documents shall be provided: 1).Loan application letter; 2).Draft commercial contract, letter of intent, tendering and bidding documents; 3).Feasibility study report of the project; 4).Relevant approval documents from Chinese government authorities and the host country of the project; 5).Documents that demonstrate the credit standing of the borrower, the guarantor, the importer (or project owner), and the exporter (or contractor);financial statements of the borrower and the guarantor (government agencies excluded); 6).For RMB-denominated export buyer's credit, application for opening bank settlement account and relevant documents shall be provided; 7).In the case of mortgage or pledge, ownership certificates and necessary evaluation reports thereof shall be submitted; 8).Other documents the Bank deems necessary. China Eximbank will examine, in accordance with regulated procedures, the application documents submitted by the borrower,negotiate with the borrower on the terms and onditions, and complete the loan approval procedure. For large-size contracting projects, manufacturing projects or projects with omplicated structure, external professionals or agencies could be employed for consultation and demonstration and due diligence investigation.