国际结算专业术语(精选)
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，可以是现金及票据或银行信用。
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）是规定价格的构成及买卖双方各自的责任、费用、风险以及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及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。
SWIFT:环球银行金融电讯协会，影响力最大的组织，其本身不包括结算和清算，只是通信网络，各国会员银行可通过此电讯系统联机，如此业务即可自动处理。
国际结算专业词汇
a draft payable on demand即期付款汇票a draft drawn on a bank银行付款的汇票approval of line of credit信用额度批准accumulative revolving credit可累计循环信用证Acceptance for honor参加承兑Acceptor承兑人additional risks附加险advising bank通知行all risks一切险Applicant开证申请人Beneficiary受益人Bearer order 持票来人抬头bill of exchange汇票blank endorsement空白背书branch bank银行支行certified check保付支票certificate of origin 产地证书clean on board B/L清洁已装船提单collecting bank代收行cover note暂保单credit line信用额度crossed check划线支票counter guarantee反担保函confirming bank保兑行collection bill purchased托收出口押汇correspondent banking relationship代理行关系credit investigation资信调查collection of proceeds账款得付commercial invoice商业发票Claim for payment第一次请求权Clean draft光票Deferred payment credit延期付款信用证demonstrative order指示性抬头Discounting贴现Discrepancy不符点direct collection 直接托收dishonor by non-acceptance拒绝承兑退票dishonor by non-payment拒绝付款退票Drawn clause出票条款Drawer出票人documents against acceptance D/A承兑交单documents against payment D/P付款交单documentary bill跟单汇票drawee bank受票银行,付款行Endorser背书人Endorse被背书人Endorsement for pledge质押背书Endorsement for collection托收背书export factor,import factor出口保理商,进口保理商expirydate到期日free negotiation credit自由付议信用证free from particular average,FPA 平安险forfeiting包买票据general acceptance一般性承兑G.S.P from A普惠制产地证Guarantor保证人holder for value付对价持票人holder in due course,bona-fide holder正当持票人/善意持票人insurance policy保险单insurance certificate保险证明，保险凭证inspection certificate商品检验证书irrevocable credit不可撤销信用证latest date for shipment最迟装运日letter of guarantee,L/G保函letter of credit,L/C信用证line B/L班轮提单mail transfer信汇negotiation bank议付行negotiable instrument流通票据non-causative nature无因性nostro account and vostro account往帐和来帐non-cash settlement非现金结算notice of dishonor退票通知ocean/marine bill of lading海运提单open account记账赊销方式open cover,open policy预约保单order B/L 提示提单payment in due course正当付款payment for honor参加付款payment in advance预付货款Payer/drawee付款人Payee收款人Payment order/p.o.支付授权书Paying bank汇入行performance guarantee履约保函period of presentation of documents支单期限promissory note本票Protest拒绝证书Principal委托人Presenting bank提示行proforma invoice,customs,consular,consular invoice形式发票,海关发票,领受发票qualified acceptance限制性,保留性承兑requisite in form要式性restricted order限制性抬头remittance by banker’s demand draft通过银行即期汇票汇款reciprocal credit对开信用证remitting bank寄单行/托收行reimbursement of remittance cover偿付汇票头寸reimbursing bank偿付行Recourse for payment 第二次请求权Referee in case of need预备付款人Reverse remittance逆汇Remitter/importer汇款人Release of goods against guarantee担保提货restricted negotiation credit限制支付信用证red-clause credit红条款信用证right of dishonor追索权special endorsement特别背书，正式背书SWIFT环球银行间金融电讯协会Sub-branch bank支行specimen of authorized signature授权签名样本schedule of terms and conditions费率表sight bill ,demand draft 即期汇票straight B/L直交式提单standby credit备用信用证tender guarantee,bid bond投标保函Tenor付款期限Trust receipt T/R信托收据test key密押term draft, usance bill远期汇票telegraphic transfer电汇transmitting bank专递行transferable credit可转让信用证usance credit payable at sight,buyer’s usance credit假远期信用证/买方远期信用证value date起息日with particular average,WPA/WA水渍险。
(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。
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。
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 exchange，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.远期（at a determinable future time ，time/ usance / term bill）付款。
国际结算的所有名词解释
国际结算的所有名词解释在如今全球化经济的背景下，国际结算作为一项重要的经济活动，在促进国际贸易和金融市场发展中发挥着至关重要的作用。
然而，对于普通人来说，国际结算涉及的名词和术语可能有些晦涩难懂。
因此，本文将解释并探讨一些与国际结算相关的重要名词。
一、贸易融资贸易融资是指国际贸易中，出口商或进口商为了解决交易资金不足的问题，通过向银行或其他金融机构申请贷款或融资来支持贸易活动。
这种融资可以采用多种方式，例如信用证、托收、保理等，旨在提供资金流动和降低交易风险。
二、外汇市场外汇市场是指全球范围内货币买卖的市场，是国际结算过程中不可或缺的一环。
在外汇市场上，不同国家的货币可以进行兑换，形成相对价格。
外汇市场提供了参与者进行外汇交易的平台，其中包括商业银行、投资机构和个人投资者等。
三、结售汇结售汇是指个人或企业在境内或境外进行外汇兑换的行为。
当个人或企业需要进行跨境交易时，他们需要购买相应的外币，以便支付国际货款或进口商品。
而在出口或收到外汇款项时，他们也会将外币兑换成本国货币。
这一过程称为结售汇。
四、国际清算国际清算是指对在国际结算中涉及的各类债权债务进行核算和结算的过程。
它涵盖了清算银行的选择、清算货币的确定、清算方式的确定等环节。
国际清算的目的是确保交易的准确性和可靠性，防止欺诈和风险的发生。
五、跨境支付跨境支付指的是跨越不同国家边界，在国际结算过程中进行的支付活动。
由于不同国家的法律、货币体系和支付机构的差异，跨境支付面临着一系列挑战和难题。
因此，国际结算参与者需要寻找合适的支付方式，以确保安全、高效的资金转移。
六、清算机构清算机构是国际结算过程中至关重要的参与者。
它们负责处理和结算各类金融交易，并确保资金的安全和准确性。
国际清算银行、国际支付网络和跨境清算平台等都可以作为清算机构的代表。
它们通过提供结算服务，促进了国际贸易和金融系统的顺畅运行。
七、汇率汇率指的是两种货币之间的兑换比率。
它决定了一种货币可以兑换多少另一种货币。
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）。
(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。
(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。
国际结算专业术语
FAS（船边交货：Free Alongside Ship）FAS(Free Alongside Ship)是国际贸易术语之一，《2000年国际贸易术语解释通则》（INCOTERMS2000）对其规定如下：“船边交货（……指定装运港）”是指卖方在指定的装运港将货物交到船边，即完成交货。
买方必须承担自那时起货物灭失或损坏的一切风险。
术语解释根据《2010通则》的解释，按FAS术语成交，卖方要在约定的时间内将合同规定的货物交到指定的的装运港买方指定的船边，在船边完成交货义务。
买卖双方负担的风险和费用均以船边为界。
如果买方所派的船只不能靠岸，卖方则要负责用驳船把货物运至船边，仍在船边交货。
装船的责任和费用由买方承担。
FOB （贸易术语）FOB（Free On Board），也称“船上交货价”，是国际贸易中常用的贸易术语之一。
按离岸价进行的交易，买方负责派船接运货物，卖方应在合同规定的装运港和规定的期限内将货物装上买方指定的船只，并及时通知买方。
货物在装运港被装上指定船时，风险即由卖方转移至买方。
CFRCFR，全称Cost and Freight，指在装运港船上交货，卖方需支付将货物运至指定目的地港所需的费用。
但货物的风险是在装运港船上交货时转移。
CIF （成本费加保险费加运费）CIF术语的中译名为成本加保险费加运费，（指定目的港，其原文为Cost,Insurance and Freight(insert named port of destination)按此术语成交，货价的构成因素中包括从装运港至约定目的地港的通常运费和约定的保险费，故卖方除具有与CFR术语的相同的义务外，还要为买方办理货运保险，支付保险费，按一般国际贸易惯例，卖方投保的保险金额应按CIF 价加成10%。
如买卖双方未约定具体险别，则卖方只需取得最低限底的保险险别，如买方要求加保战争保险，在保险费由买方负担的前提下，卖方应予加保，卖方投保时，如能办到，必须以合同货币投保。
国际业务专业词汇
国际业务专业词汇一、贸易术语。
1. FOB（Free on Board）- 发音：[ˌef oʊˈbiː]- 词性：名词。
- 含义：船上交货（指定装运港），卖方负责将货物在指定的装运港装上买方指定的船只，卖方承担货物装上船为止的一切费用和风险。
2. CIF（Cost, Insurance and Freight）- 发音：[ˌsiː aɪˈef]- 词性：名词。
- 含义：成本、保险费加运费（指定目的港），卖方负责租船订舱，按照合同规定将货物运至指定目的港并办理保险手续，支付运费和保险费。
3. CFR（Cost and Freight）- 发音：[ˌsiː eɪˈɑːr]- 词性：名词。
- 含义：成本加运费（指定目的港），卖方负责租船订舱，将货物运至指定目的港，支付运费。
二、支付术语。
1. L/C（Letter of Credit）- 发音：[ˈletər ɒv ˈkredɪt]- 含义：信用证，银行应进口商的要求，向出口商开立的，在一定期限内凭规定的单据支付一定金额的书面承诺。
2. T/T（Telegraphic Transfer）- 发音：[tɪˈleɡræfɪk trænsˈfɜː(r)]- 词性：名词。
- 含义：电汇，汇出行应汇款人的申请，通过电报、电传或SWIFT等电讯手段向汇入行发出付款委托，指示汇入行解付一定金额给收款人的汇款方式。
3. D/P（Documents against Payment）- 发音：[ˈdɒkjuments əˈɡenst ˈpeɪmənt]- 词性：名词。
- 含义：付款交单，出口商的交单以进口商的付款为条件，即出口商将汇票连同货运单据交给银行托收时，指示银行只有在进口商付清货款时，才能交出货运单据。
三、其他术语。
1. Customs Declaration（报关）- 发音：[ˈkʌstəmz ˌdekləˈreɪʃn]- 词性：名词。
- 含义：进出口货物收发货人、进出境运输工具负责人、进出境物品所有人或者他们的代理人向海关办理货物、物品或运输工具进出境手续及相关海关事务的过程。
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（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, 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）。
国际结算考点整理
国际结算考点整理一、名词解释1、即期付款交单：出口方开具即期汇票，代收行凭受票人(进口方)对即期汇票付款而交出单据。
2、指定银行：被开证行指定的出口地银行，包括付款信用证中的付款行，承兑信用证中的承兑行和议付信用证中的议付行。
3、对开信用证：以进出口双方互为开证申请人和开证受益人的信用证业务。
4、凭单付汇：进口商通过汇出行将款项汇给出口商所在地的汇入行，并指示汇入行凭出口商提供的证明其已发货的商业单据（如提单），即可付款给出口商。
5、保付支票：为避免出票人开空头支票，受票行可根据出票人请求，在票面写“证明”并签章，这张支票成为保付支票。
6、可转让信用证：是指信用证的受益人（中间商、第一受益人）可以要求信用证中开证行特别授权的转让行，将该信用证的金额全部或部分转让给一个、几个受益人（第二受益人）的信用证。
7、中间业务：银行不运用或较少运用自己的资金，以中间人的身份替客户办理收付款或其他委托事项，为客户提供金融服务并收取手续费的业务。
8、承兑信用证：出口地的指定承兑行在收到符合信用证条款的汇票和单据后，在汇票上做出承诺，待汇票到期时再履行付款。
9、直接付款信用证：是指开证行作为即期付款行，要求受益人直接寄单给开证行，审单相符，立即付款。
这种信用证只有两个当事人，即开证行和受益人，没有指定银行。
10、商业票据（商业本票）：商业票据是指由金融公司或某些信用较高的企业开出的无担保短期票据。
商业本票，又称商号本票，指直接由商户签发的本票，相当于“企业短期债券”。
二、填空、单选与判断主要知识点1、三种基本信用证（付款L/C、承兑L/C、议付L/C）各自的特点：1）付款L/C分为即期付款L/C和延期付款L/C即期付款信用证：可以要即期汇票，也可以不要汇票；其指定付款行可以是开证行自己，也可以是出口地的代付行。
延期付款信用证：受益人不需要开出汇票（最大特点），只需将信用证规定的单据交到出口地的延期付款行，其在验单无误后收入单据，待延期付款的到期日再对出口商付款。
国际结算名词
•open account 赊销贸易cash settlement 现金结算•Convertible Currency 可兑换货币•EXW 工厂交货条件FOB 装运港船上交货条件•CFR 成本加运费条件CIF 成本加运保费交货条件•ＳＷＩＦＴ环球银行间金融电讯协会•ＣＨＩPＳ纽约清算所交换银行相互收付系统•ＣＨＡＰＳ伦敦交换银行自动收付系统•ＦＥＤＷＩRＥ联邦储备清算系统•correspondent 代理行Nostro 往账V ostro 来账•Sight bill /Demand bill 即期汇票•Time bill ／Tenor bill 远期汇票•Endorsement 背书Acceptance Partial 接受部分•Acceptance Presentation Protest 拒绝验收Dishonor拒付•Discount 贴现Without recourse 无追索权•promissory note 本票Traveler‘s Check 旅行支票.•Open check 普通支票•Crossed check•Certified check 保付支票•Remittance 顺票Reverse remittance 逆汇•T/T 电汇(telegraphic transfer) M/T 信汇(mail transfer) D/D 票汇(demand draft)•draft on center 中心汇票•D/P 付款交单D/A承兑交单URC T/R•Clean collection 光票托收•Documentary collection 跟单托收•Documentary credit 跟单信用证Confirm 保兑•Sight Payment Credit 即期付款信用证•Deferred Payment Credit 延期付款信用证•Acceptance Credit 承兑信用证•Negotiation Credit 议付信用证•Freely Negotiable L/C 自由议付信用证•Restricted Negotiable L/C 限制议付信用证•Transferable L/C 可转让信用证•Back-to-back L/C 背对背信用证•Revolving L/C 循环信用证•Reciprocal L/C 互惠信用证•Anticipatory L/C 预支信用证•Standby L/C 备用信用证•Ocean Bill of Lading 提单•Clean/Dirty B/L 清洁的/不清洁的运输单据•Non—negotiable ocean waybill 非转让海洋货运单•Multi—modal transport document 多式运输•Commercial Invoice 商业发票•Consular invoice 领事发票•Customs invoice 海关发票•Insurance policy 保险单•Insurance certificate 保险凭证•Cover note 暂保单•Combined certificate 联合凭证•Particular Average 单独海损•General average 共同海损• F.P.A. (free of particular average) 单独海损不赔•W.A. (with average) (保险)担保单独海损• A. R.•Certificate of Origin 原产地证书Packing list 装箱单•Counter-guarantor 反担保人•Tender Guarantee 投标保函Performance Guarantee 履约保函•Advance Payment Guarantee 预约金保函•Payment Guarantee 付款保函•Retention Money Guarantee 保留金保函•Factoring 保理Financed factoring 折扣保理•Maturity factoring 到期保理•Forfeiting 福费廷名词解释• 1.国际结算：是指为清偿国际间的债权债务关系而发生在不同国家之间的货币收付活动•• 2.贸易结算：由国际间商品交换而产生的货币收付或债权债务的结算•• 3.代理行：指接受其他国家或地区的银行委托，代办国际结算业务或提供其他服务,并建立相互代理业务关系的银行。
国际结算名词解释
代理行correspondent bank是指与其他国家建立往来账户;代理对方的一些业务;为对方提供服务的银行..往账Nostro Account：本国银行在境外其他银行开立的账户;通常以境外货币开立..来账Vostro Account：境外银行在国内开立的账户;通常以本币开立;也可以以境外货币开立..汇票Bill of Exchange/Postal Order/Draft/Money Order是由出票人签发的;要求付款人在见票时或在一定期限内;向收款人或持票人无条件支付一定款项的票据..本票Promissory Note是一项书面的无条件的支付承诺;由一个人作成;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Cheque;Check是以银行为付款人的即期汇票;可以看作汇票的特例..托收Collection是出口人在货物装运后;开具以进口方为付款人的汇票随附或不随附货运单据;委托出口地银行通过它在进口地的分行或代理行代出口人收取货款一种结算方式..D/A 是document against acceptance承兑交单;也就是提货方只要对出口方的汇票承诺在一定的期限内付款签字承诺;就可以向银行取得提单以提取货物..D/P是document against payment付款交单;就是提货方需在付清货款后才能向银行取得提单以提取货物..出口押汇Outward bill/outward documentary bills/Outward Bill Credit/bill purchased 出口押汇:是指企业信用证受益人在向银行提交信用证项下单据议付时;银行议付行根据企业的申请;凭企业提交的全套单证相符的单据作为质押进行审核;审核无误后;参照票面金额将款项垫付给企业;然后向开证行寄单索汇;并向企业收取押汇利息和银行费用并保留追索权的一种短期出口融资业务..信托收据TRUST RECEIPT就是进口人借单时提供一种书面信用担保文件;用来表示愿意以代收行的受托人身份代为提货、报关、存仓、保险、出售并承认货物所有权仍属于银行..电汇Telegraphic TransferT/T:是汇款人将一定款项交存汇款银行;汇款银行通过电报或电传给目的地的分行或代理行汇入行;指示汇入行向收款人支付一定金额的一种汇款方式..票汇D/D:是指汇出行应汇款人的申请;代汇款人开立以其分行或代理行为解付行的银行即期汇票Banker's Demand Draft ;支付一定金额给收款人的一种汇款方式..信用证Letter of Credit;L/C:是指开证银行应申请人买方的要求并按其指示向第三方开立的载有一定金额的、在一定的期限内凭符合规定的单据付款的书面保证文件..不可撤销信用证Irrevocable L/C:指信用证一经开出;在有效期内;未经受益人及有关当事人的同意;开证行不能片面修改和撤销;只要受益人提供的单据符合信用证规定;开证行必须履行付款义务..可转让信用证Transferable L/C:指信用证的受益人第一受益人可以要求授权付款、承担延期付款责任;承兑或议付的银行统称“转让行”;或当信用证是自由议付时;可以要求信用证中特别授权的转让银行;将信用证全部或部分转让给一个或数个受益人第二受益人使用的信用证..开证行在信用证中要明确注明“可转让”transferable;且只能转让一次..保兑信用证Confirmed L/C:指开证行开出的信用证;由另一银行保证对符合信用证条款规定的单据履行付款义务..对信用证加以保兑的银行;称为保兑行..背对背信用证Back to Back L/C:又称转开信用证;指受益人要求原证的通知行或其他银行以原证为基础;另开一张内容相似的新信用证;对背信用证的开证行只能根据不可撤销信用证来开立..对背信用证的开立通常是中间商转售他人货物;或两国不能直接办理进出口贸易时;通过第三者以此种办法来沟通贸易..原信用证的金额单价应高于对背信用证的金额单价;对背信用证的装运期应早于原信用证的规定..清洁提单Clean B/L:指货物在装船时外表状况良好;承运人未加任何货损;包装不良或其他有碍结汇批注的提单..。