国际结算(英文版)清华大学出版社 答案
国际结算答案(老师划分的重点题)(1)(DOC)
国际结算答案(老师划分的重点题)(1)(DOC)《国际结算》答案1、国际结算的历史发展，首先是从现金结算发展到非现金结算，再从直接结算发展到电子化结算，现在的凭证结算正朝电子结算过渡。
2、国际结算方式大体上可分为汇款、托收和信用证三大类别。
3、港澳和近洋出口售定交易采用更单托收方式结算，远洋出口售定交易采用更单信用证方式结算，易货贸易采用对开信用证方式结算。
出口信贷扶植的资本货物交易采用开立信用证与进口买方信贷相结合的方式结算。
4、目前国际结算中适用的法律系统有：英美法系；大陆法系；国际汇票和国际本票公约和国际支票公约。
5、汇票的承兑有两种，即普通承兑和限制承兑。
6、汇票贴现时发生的费用有承兑费、印花税和贴现率三种。
7、顺汇称为汇付法，逆汇称为出票法。
8、 SWIFT具有的三个特点是安个可靠、高速度低费用和自动加核密押、抵费用。
9、美元电支付系统有三条渠道，分别是CHIPS、FEDWIRI和纽约银行在其本行内部专账。
10、货到付款在国际贸易中可分为售定和寄售两种。
11、信用证结算方式与汇付和托收结算的根本区别是在商业信用保证的基础上添加了银行的信用保证。
12、亚欧陆桥的一端是我国的连云港，经新疆的霍尔果斯车站到哈萨克斯坦、俄罗斯至另一端荷兰的鹿特丹，可将货物从太平洋沿岸运至大西洋沿岸。
13、北美洲陆桥一端是美国旧金山等西海岸港口，经铁路运输至陆桥另一端美国纽约等东海岸港口，货物可以从大西洋沿岸运至太平洋沿岸。
1、以下哪些货币是目前国际结算中可使用的货币A、出口国货币B、进口国货币C、第三国通用货币D、记账外汇 2、狭义票据流通形式是指A、过户转让B、交付转让C、流通转让D、通知转让 3、提单、仓单和栈单是采用A、通知转让B、流通转让C、交付转让D、过户转让 4、汇票抬头有三种A、限制性抬头B、指示性抬头C、空白抬头D、来人抬头 5、汇票在承兑后的主债务人是A、第一背书人B、第二背书人C、最后北书人D、出票人 6、汇票在承兑前的主债务人是A、第一背书人B、第二背书人C、出票人D、第三承兑人 7、票据行为中的主要票据行为是A、保证B、参加承兑C、出票D、背书E、参加承兑 8、背书有五种A、特别背书B、空白背书C、限制性背书D、带有条件背书E、托收背书 9、汇票贴现中的费用包括A、承兑费B、印花税务C、贴现率D、贷款利率 10、汇票按三个基本当事人居住地不同可分为A、国际汇票B、银行汇票C、即期汇票D、国内汇票E、商业汇票F、远期汇票G、来人汇票H、记名汇票I、光票J、跟单汇票K、外国货币汇票L、本国货币汇票 20、汇票按付款时间不同可分为A、国际汇票B、银行汇票C、即期汇票D、国内汇票E、商业汇票F、远期汇票G、来人汇票H、记名汇票I、光票J、跟单汇票K、外国货币汇票L、本国货币汇票 21、汇票按收款人的不同可分为A、国际汇票B、银行汇票C、即期汇票D、国内汇票E、商业汇票F、远期汇票G、来人汇票H、记名汇票I、光票J、跟单汇票K、外国货币汇票L、本国货币汇票 22、汇票按付款人和出票人的不同可分为A、国际汇票B、银行汇票C、即期汇票D、国内汇票E、商业汇票F、远期汇票G、来人汇票H、记名汇票I、光票J、跟单汇票K、外国货币汇票L、本国货币汇票 23、汇票按是否跟随单据可分为A、国际汇票B、银行汇票C、即期汇票D、国内汇票E、商业汇票F、远期汇票G、来人汇票H、记名汇票I、光票J、跟单汇票K、外国货币汇票L、本国货币汇票 24、汇票按使用货币的不同可分为A、国际汇票B、银行汇票C、即期汇票D、国内汇票E、商业汇票F、远期汇票G、来人汇票H、记名汇票I、光票J、跟单汇票K、外国货币汇票L、本国货币汇票 25、国际结算中所适用的法律系统类别有A、《英国票据法》B、《日内瓦统一票据法》C、《国际汇票和国际本票公约》 D《国际支票公约》28、无论从买价还是卖价看，电汇汇率比信汇汇率和票汇汇率都要 A、低 B、高 C、相等 D、买价高卖价低32、香港某汇款人向美国某商人汇款1万英镑，假定当天汇率为USD=,￡1=,则银行将1万英镑折算成美元为(B)A、万美元B、万美元C、万美元D、万美元 35、光票托收适合于收取A、货款B、货款尾数C、佣金D、代垫费用E、样品费 44、海运提单的关系人有A、承运人B、托运人C、收货人D、被通知人49、中国人民保险公司制订的中国保险条款中的险别有A、基本险别B、特殊附加险别C、一般附加险D、协会货物条款 E、免赔率和仓至仓条款 50、中国人民保险公司规定的基本险别有A、海洋运输保险B、陆上运输保险C、航空运输保险D、邮政包裹保险E、交货不到险 56、国际结算是随着的发展而产生和发展起来的。
国际结算习题(附答案)
国际结算习题（附答案）一、单选题（共30题，每题1分，共30分）1、福费廷业务中,如果出口商在票据上加注了“Without Recurse”字样就表明( )A、已将票据可能遭受拒付的风险转嫁给了包买商B、已由出口商承兑C、已由出口方银行担保D、进口方银行已同意放弃追索权正确答案：A2、银行承兑汇票的出票人应是( )。
A、商业银行B、工商企业C、工商企业D、商业银行正确答案：D3、银行在办理国际贸易结算时,要等到国外银行将票款贷记出口方银行账户的贷记通知书后,才将票款折成本国货币贷记出口商账户。
这种方式叫做( )。
A、定期结汇B、出口押汇C、收妥结汇正确答案：C4、信用证要求受益人提交的提单上注明freight prepaid’,但不要求提交保险单,则该项商品交易双方是以( )成交的。
A、FOBB、CFRC、CIF正确答案：B5、汇票的付款期限的下述记载方式中( )必须由付款人承兑后才能确定具体的付款日期。
A、at x x days after dateB、at sightC、at x x days after shipmentD、at X X days after sight正确答案：D6、一张金额为30万美元的可撤销信用证,未规定可否分批装运受益人装运了价值为5万美元的货物后,即向出口地银行办理了议付。
第二天收到开证行撤销该信用证的通知此时,开证行( )A、对已办理议付的5万美元仍应偿付其余25万美元则失效B、对已办理议付的5万美元可以拒绝偿付,并指示议付行向受益人追索所议付的5万美元C、因撤销通知到达前,该证已被凭以办理部分议付故该信用证不能被撤销正确答案：A7、某笔信用证业务中,信用证要求受益人按发票金额的110%投保。
这增加的10%,是( )。
A、进口商自愿多向保险公司交纳保险费B、进口商的预期毛利润率C、保险公司向进口商提出的要求D、进口商想从保险公司多得到补偿正确答案：B8、根据我国的票据法,当票据上金额的大小写不一致时( )。
国际结算(英文版)清华大学出版社-答案
KEY OF INTERNATIONAL SETTLEMENTChapter 11.Put the following phrases into English2.Put the following sentences into English(1)国际结算涉及有形贸易和无形贸易，外国投资，从其他国家借贷资金，等等。
The international settlement involves tangible trades, intangible trades, foreign investments, funds borrowed from or lent to other countries and so on.(2)许多银行注重发展国际结算和贸易融资的业务。
Many banks have focused on their business of international settlement and trade finance.(3)大多数国际间的支付来自于世界贸易。
Most of the international payments originate from transactions in the world trade.(4)一般来说，国际结算的方式分为三类：汇款、托收和信用证。
Usually the international settlement is divided into three broad categories: remittance, collection and letter of credit.3. True or False1)International payments and settlements are financial activities conducted inthe domestic country. (F)2)Fund transfers are processed and settled through certain clearing systems.(T)3)Using the SWIFT network, banks can communicate with both customers andcolleagues in a structured, secure, and timely manner.(T)4)SWIFT can achieve same day transfer.(T)4.Multiple Choice1)SWIFT is __B__A.in the united statesB. a kind of communications belonging to TT system for interbank’s fundtransferC.an institution of the United NationsD. a governmental organization2)SWIFT is an organization based in __A___A.BrusselsB.New YorkC.LondonD.Hong Kong3) A facility in fund arrangement for buyers or sellers is referred to __A___A.trade financeB.sale contractC.letter of creditD.bill of exchange4)Fund transfers are processed and settled through __C___A.banksB.SWIFTC.clearing systemD.telecommunication systems5)__C__is the reason why international trade first began.A.Uneven distribution of resourcesB.Patterns of demandC.Economic benefitsparative advantages5. Answer the following questions1)Where are the medium of exchange originated from?Tracing back the history of international settlement, the medium of exchange originated from coins to notes.2)What will inevitably lead to under the international political, economic andcultural exchanges?The international political, economic and cultural exchange inevitably leads to credits and debts owed by one country to another.3)Why do banks focus on the development of the businesses of internationalsettlement?Banks focus more and more on the development of the businesses because it isa major resource of profits.4)What will banks do to meet the higher and higher demand of the internationalmarket?Banks need to develop innovative products and deliver the best services possible in whatever way they can.Chapter 21.Put the following phrases into English2.Put the following sentences into English(1)用于国际结算的货币是可兑换的货币。
国际结算英文选择题附答案
A. a no stro accou ntB. a vostro accountD.a foreig n curre ncy accou nt13. International trade settlement methods are used to complete the money transfer aroused by ( A)A. goods tra nsacti onsB. services supplyC. security in vestme ntD. i nvestme nt in comes14. Docume ntary credit bus in ess is subject to ( A ) A. UCP600 B.URC522 C. URDG758 D. ISP98 15. Collecti on bus in ess is subject to ( B ) A. UCP600B.URC522C. URDG758D. ISP9816. Stan dby credit bus in ess is subject to ( D ) A. UCP600B.URC522C. URDG758D. ISP9817. Letter of guara ntee bus in ess is subject to ( C ) A. UCP600 B.URC522 C. URDG758 D. ISP98 18. London is the clear ing cen tre for ( B ) A. USD B. GBP C.EUR D.HKD1. To the exporter, the fastest and safest method of set tl em e nt is ( B ) A. letter of credit B. cash in advanee C. open account D. banker ' s draft2. To the importer, the most favorable method of settleme nt is ( C ) A.I etter of credit B. cash in adva nee C. ope n accou nt D. collecti on3. Which of the followi ng payme nt method is based on commercial credit?( C ) A.l etter of credit B.ba nk guara ntee C. collecti on D. sta ndby credit4. An exporter sells goods to a customer abroad on FOB and on CIF terms, who is responsible for the freight charges in each? ( A ) A. importer; exporter B. exporter; importer C. importer; importer D. exporter; exporter5. Intern ati onal cash settleme nt has the follow ing disadva ntages except ( B )B. safeC. riskyD. time-c on sum ing B ) A. expe nsive 6. CHIPS is the electronic clearing system for ( A.GBP B. USD Y D. EUR 7. CHAPS is the electronic clearing system for ( A.GBP B. USD Y D. EUR 8. BOJ-NET is the electronic clearing system for ( A. USD B. GBP C.EUR D.JPY 9. TARGET is the electronic clearing system for ( A. USD B. GBP C.EUR D.JPY 10. CHATS is the electronic clearing system for ( D ) A. USD B. GBP C.EUR D.HKD 11. From a Chin ese bankA. a no stro accou nt's poviewf , the current account it maintains abroad is known as ( A ) B. a vostro accou nt C. a curre nt accou nt 12. From a Chin esebank D.a home curre ncy accou nt's point of view , the current account maintained by a foreign bank Wh him is knownas (B )C.a curre nt accou nt19. New York is the cleari ng cen tre for ( A ) A. USD B. GBP C.EUR D.HKD 20. Tokyo is the clearing centre for ( D ) A. USD B. GBP C.EUR D.JPY 21. Frankfurt is the clearing centre for ( C )A. USDB. GBPC.EURD.HKD22. A mong the follow ing docume nts, the one which is not regarded as con trol docume nts is ( D ) A. authorized sig naturesB. test keysC. schedule of terms and con diti onsD. corresp ondent arran geme nt23. The seller should arrange for the in sura nce of the goods tran sportati on un der ( C ) A.FOBB.CFRC.CIFD.EXW24. ( A ) cheque can be cashed over the counter of paying bank. A. An ope n B. A crossed C. A gen eral cross ingD. A special cross ing25. The effect of a blank endorsement is to make a negotiable instrument payable to the ( C ) A. specified pers on B, order of a specified pers onC. bearerD. n amed pers on26. If the bill is pay able “ 60 days after date ” , the date of payment is decided according to ) A. the date of accepta nce B. the date of prese ntati on C. the date of issua nceD. the date of maturity27. The party to whom the bill is addressed is called the ( B ) A. drawer B. drawee C. holder D. payee28. When financing is without recourse, this means that the bank has no recourse to the are dish on ored.A. payerB. draweeC. acceptorD. drawer29. The ( C ) of a promissory note assumes the prime liability to make payment of the note. A. holder B. drawee C. maker D. acceptor30. The bill which must be presented for acceptance is ( B ) A. the bill payable at xx days after date B. the bill payable xx days after sight C. the bill payable on a fixed dateD. the bill payable at sight31. In order to retain the liabilities of the other parties, a bill that has been dishonored must be ( A )A. protestedB. give n to the acceptorC. reta ined in the filesD. prese nted to a bank 32. ( C ) is not a holder of a billA. PayeeB. En dorseeC. DrawerD. Bearer33. Which of the following is a relative essential item of a bill ? ( B )A. amou ntB. tenorC. payeeD. drawee34. An en dorseme nt ,which prohibits the further n egotiati on of the in strume nt ,is called A.qualified B. gen eral C. specific D. restrictive 35. A check is a ( D ) draft drawn on a bank A. time a nce C. direct D. dema nd36. The act which is n ever in volved in promissory note bus in ess is ( C ) A.en dorseme nt B.dish onorC.accepta nceD.prese ntati on37. The act which is n ever in volved in check bus in ess is ( C ) A. en dorseme nt B.dish onor C.accepta nceD.prese ntati on38. The acceptor of a bill is the pers on who orig in ally n amed as ( B ) of the bill.A. drawerB. draweeC.payeeD.en dorser(D ) if such drafts(D ) endorsement .39. The first holder of a bill is the ( C ) of the billA. drawerB. draweeC.payeeD.acceptor40. Among the following crossed cheques, the one which contains the words ( D ) is a special crossed cheque.A. ban kerB. not negotiableC. A/C payeeD. Bank of China41. The means of authenticating payment order in mail transfer is the ( D )A. SWIFT authe ntic keyB. schedule of terms and con diti onsC. test keyD. authorized sig natures42. The means of authenticating payment order in telegraphic transfer is the ( C )A. corresp ondent arran geme ntB. schedule of terms and con diti onsC. test keyD. authorized sig natures43. Which of the following is not a method of remittanee? ( C )A. M/TB. T/TC. T/RD. D/D44. Open account as a payment method is usually used when ( D )A. goods are sold under the seller ' s market conditionB. goods are badly n eeded by the buyerC. goods are of special sta ndards or special specificati onsD. goods are sold under the buyer ' s market condition45. If the r eimbursement instruction written on the payment order is expressed as ' in cover , we have credit your A/C with us ' , the A/C relati on ship betwee n the remitti ng bank and the pay ing bank must be(A )A. the pay ing bank maintains an A/C with remitt ing bankB. the remitt ing bank maintains an A/C with pay ing bankC. both remitti ng bank and pay ing bank maintain their A/Cs with a third bankD. remitt ing bank and pay ing bank have their A/Cs with two differe nt banks46. If the reimburseme nt in structi on writte n o n the payme nt order is expressed as in cover, please debit ourA/C with you ' , the A/C relati on ship betwee n the remitt ing bank and the pay ing bank must be( B )A. the pay ing bank maintains an A/C with remitt ing bankB. the remitt ing bank maintains an A/C with pay ing bankC. both remitti ng bank and pay ing bank maintain their A/Cs with a third bankD. remitt ing bank and pay ing bank have their A/Cs with two differe nt banks47. If the reimburseme nt in structi on writte n on the payme nt order is expressed as in cover, we have authorizedBank A to debit our A/C and credit your A/C with them ' , the A/C relati on ship betwee n the remitt ing bank andthe pay ing bank must be( C )A. the pay ing bank maintains an A/C with remitt ing bankB. the remitt ing bank maintains an A/C with pay ing bankC. both remitti ng bank and pay ing bank maintain their A/Cs with a third bankD. remitt ing bank and pay ing bank have their A/Cs with two differe nt banks48. If the reimburseme nt in structi on writte n on the payme nt order is expressed as ih cover, we have in structedBank X to tran sfer the proceeds to your A/C with bank Y ' , the A/C relati on ship betwee n the remitti ng bank andthe pay ing bank must be ( D )A. the pay ing bank maintains an A/C with remitt ing bankB. the remitt ing bank maintains an A/C with pay ing bankC. both remitti ng bank and pay ing bank maintain their A/Cs with a third bankD. remitt ing bank and pay ing bank have their A/Cs with two differe nt banks49.lt will be more convenient if the collect ing bank appo in ted by the seller ( B )A. is a large bankB. is the remitting bank ' s correspondent in the place of the importerC. is in the exporter ' s countryD. acts on the importer ' s instructions50. Under D/P, the documents will not be delivered to the buyer until ( D )A. the goods have arrivedB. the docume nts have arrivedC. the docume nts are prese nted to the buyerD. the bill is paid by the buyer51. Under D/A, the documents will not be delivered to the buyer until ( D )A. the goods have arrivedB. the docume nts have arrivedC. the docume nts are prese nted to the buyerD. the bill is accepted by the buyer52. In collecti on bus in ess, banks are obligated to check the docume nts received to see that ( C )A. they are authe nticB. they are regularC. they are the same as those listed in the collection instructionD. they are in the right form53. A bill of exchange which is accompanied by shipping documents is known as ( B )A. a clea n billB. a docume ntary billC. a clea n collecti onD. a docume ntary collecti on54. In documentary collection, after the goods have been shipped, the exporter presents the documents to ( C ) for collectionA. the collect ing bankB. the reimburs ing bankC. the remitting bankD. the ope ning bank55. Which of the follow ing is not the obligati on of remitt ing bankin collecti on ? ( D )A. to complete a collection order strictly according to the principal ' s instructions.B. to perform follow ing all the in structi ons give n by the pri ncipal.C. to keep the docume nts wellD. to exam ine the contents of docume nts in detail56. Which of the follow ing is not the obligati on of the collect ing bank? ( B )A. to verify the authe nticity of the collecti on orderB. to take care of goodsC. to release docume nts strictly on the delivery terms of docume nts.D. to perform following all the instructions given by the remitting bank.57.ln collecti on bus in ess, the drawer of the draft for collecti on is ( A )A. sellerB. buyerC. remitt ing bankD. collect ing bank58. In collecti on bus in ess, the drawee of the draft for collecti on is ( B )A. sellerB. buyerC. remitt ing bankD. collect ing bank59. If the collection instruction given by the principal specifies that collection charges are to be borne by thedrawee but with no express stateme nt that they may not be waived, charges will be for the accou nt of ( A )providi ng the drawee refuses to pay them.A. pri ncipalB. remitt ing bankC. collect ing bankD. prese nting bank60. The price term which is more favorable to the seller un der collecti on is ( D )A. EXWB. FOBC. CFRD. CIF61. In L/C bus in ess , the exporter can receive the payme nt only whe n ( C )A. he has shipped the goodsB. he has prese nted the docume ntsC. the docume nts prese nted con stitute a compl ying prese ntati onD. the importer has taken delivery of the goods.62. In L/C bus in ess, the issu ing bank can refuse to pay the credit amou nt whe n ( C )A. the applicant prevents him from making paymentB. the goods are not the same as those stipulated in the sales con tractC. one kind of document required by L/C isn ' t presented.D. balanee of the applicant ' s account is not enough for payment .63. Of the following kinds of L/C, ( B )is the L/C which requires no drafts at all.A. sight payme nt creditB. deferred payme nt creditC. accepta nee creditD. n egotiati on credit64. Of the follow ing kinds of L/C, ( C ) is the L/C in which drafts are always required.A. sight payme nt creditB. deferred payme nt creditC. accepta nee creditD. n egotiati on credit65. Of the follow ing kinds of L/C, ( D ) is the L/C which is especially suitable for use to settle the payme nt of trade con ducted througha middlema n.A. non-transferable creditB. reciprocal creditC. revolv ing creditD. back to back credit66. Of the follow ing kinds of L/C, ( A )is the L/C which is especially suitable for use to settle the payme ntof trade con ducted through a middlema n.A. tran sferable creditB. reciprocal creditC. revolv ing creditD. con firmed credit67 Of the following kinds of L/C, ( C ) is the L/C which is especially suitable for use to settle the paymentun der a long term con tract coveri ng goods to be tran sported by regular partial shipme nts.A. non-transferable creditB. reciprocal creditC. revolv ing creditD. back to back credit68.0f the following kinds of L/C, ( B ) is the L/C which is especially suitable for use to settle the payment un der cou nter trade.A. non-transferable creditB. reciprocal creditC. revolv ing creditD. back to back credit69. Con firmati on of a credit may be give n by ( B )A. the ben eficiary at the request of the importerB. the advis ing bank at the request of the issu ing bankC. the advising bank after the receipt of correct documentationD. the issu ing bank after the receipt of correct docume ntati on70. The credit may only be con firmed if it is so authorized or allowed by ( A )A. the issu ing bankB. the supplierC. the advis ing bankD. the ben eficiary71. The sec ond ben eficiary of a tran sferable letter of credit is the ( D )A. middlema nB. tra nsferri ng bankC. the applica nt of the tran sferred creditD. real supplier of the goods72. The first ben eficiary of a tran sferable letter of credit is the ( A )A. middlema nB. tra nsferri ng bankC. the applica nt of the tran sferred creditD. real supplier of the goods73. The red clause credit is ofte n used as a method of ( B )A. providing the buyer with funds prior to shipmentB. providing the seller with funds prior to shipmentC. provid ing the buyer with funds after shipme ntD. providing the seller with funds after shipment74. An applica nt must reimburse an issu ing bank unl ess he finds that ( D )A. goods are defectiveB. goods are not as ordered in the sales con tractC. documents received do not allow him to clear the goods through customsD. docume nts do not conform on the face to the terms and con diti ons of the credit75. Applicati on for any ame ndme nt to a letter of credit should be give n to the issu ing bank by ( A )A. the applica ntB. the ben eficiaryC. the advis ing bankD. the nomin ated bank76. The message type which is used to send a ame ndme nt no tice of a docume ntary credit through SWIFT isn umbered ( C )A. 700B. 705C. 707D. 71077. Among all the financial methods mentioned bellow , which method provides funds without recourse ?(C )A. pack ing loa nsB. bill discou nti ngC. forfait ingD. borrow ing docs aga inst T/R78. Un der letter of credit, the primary debtor is the( C )A. applica ntB. importerC. issu ing bankD. nomin ated bank79. The applica nt of letter of credit is ( B )A. the exporterB. the importerC. the exporter ' bankD. the importer ' bank80. The ben eficiary of letter of credit is ( A )A. the exporterB. the importerC. the exporter ' bankD. the importer ' bank81. A letter of credit which is expired on Oct. 1, 2008 specifies that “ documents must be presented within15days after the on board date of bill of lad ing ”.lf the on board date of bill of lad ing is Sep. 10,2008, thelatest date of prese ntati on must be ( B )A. Sep. 24 ,2008B. Sep. 25 ,2008C. Sep. 26 ,2008D. Oct. 1, 200882. If there is no in dicati on in the credit of the in sura nce coverage required, the amou nt of i nsura nce coverage must be at least ( C ) of the CIF or CIP value of the goods.A. 100%B.105%C. 110%D.120%83. Which of the following actions performed by the nominated bank is not regard as the action of hon or( D )A. to pay at sight un der sight payme nt creditB. to in cur a deferred payme nt un dertak ing and pay at maturity un der deferredpayme nt creditC. to accept the draft and pay at maturity under acceptance creditD. to n egotiate un der n egotiati on credit84. Compl ying prese ntati on un der letter of credit means a prese ntati on that is in accorda nce with the terms and con diti ons of credit, the applicable rules of UCP and provisi ons of ( B )A. ISP98B. ISBP681C. ICC Publication No.522D.ICC Publication No. 75885. Among the follow ing ban ks, the one who has no obligati on to exam ine docume nts un der letter of credit is(C )A. the issu ing bankB. the con firm ing bankC. the reimburs ing bankD. the nomin ated bank86. The follow ing are the financing methods which can be used by the seller in L/C bus in ess except ( D )A. n egotiat ing the docume ntary draft to his bankA. appl ying for pack ing loa ns from his bankB. discou nti ng the time draft already accepted by the drawee bankD. Borrow ing docs from issu ing bank aga inst T/R87. The follow ing are the financing methods which can be used by the buyer in L/C bus in ess except ( D )A. appl ying for issu ing L/C with no marg in requireme nt.B. borrow ing docs from issu ing bank aga inst T/RC. tak ing the goods from shipp ing compa ny aga inst indemnity guara ntee sig ned by the issu ing bank.D. appl ying for pack ing loa ns from his bank88. A bill of ladi ng does n't fun ctio n as ( D )A. a con tract of tra nsportati onB. a receipt of goodsC a certificate of title to the goods D. an accou nting docume nt89. The drawee of a draft drawn under letter of credit may be ( C )A. the ben eficiaryB. the applica ntC. the issu ing bankD. the n egotiati ng bank90. If the bill of lading is made out to order , it must be endorsed by ( B ) so as to complete the transfer of the title to the goods .A. the carrierB. the shipperC. the no tify partyD. the nomin ated bank。
国际结算英文选择题90(附答案)
1. To the exporter, the fastest and safest method of settlement is( B )A. letter of creditB. cash in advanceC. open accountD. banker?s draft2. To the importer, the most favorable method of settlement is ( C )A. letter of creditB. cash in advanceC. open accountD. collection3. Which of the following payment method is based on commercial credit?( C )A. letter of creditB.bank guaranteeC. collectionD. standby credit4. An exporter sells goods to a customer abroad on FOB and on CIF terms, who is responsible for the freight charges in each? ( A )A. importer; exporterB. exporter; importerC. importer; importerD. exporter; exporter5. International cash settlement has the following disadvantages except( B )A. expensiveB. safeC. riskyD. time-consuming6. CHIPS is the electronic clearing system for ( B )A. GBPB. USDYD. EUR7. CHAPS is the electronic clearing system for ( A )A. GBPB. USDYD. EUR8. BOJ-NET is the electronic clearing system for ( D )A. USDB. GBPC.EURD.JPY9. TARGET is the electronic clearing system for ( C )A. USDB. GBPC.EURD.JPY10. CHATS is the electronic clearing system for ( D )A. USDB. GBPC.EURD.HKD11. From a Chinese bank?s point ovf iew , the current account it maintains abroad is known as ( A )A. a nostro accountB. a vostro accountC. a current accountD.a home currency account12. From a Chinese bank?s point of view , the current account maintained by a foreign bank with him is known as (B )A. a nostro accountB.a vostro accountC.a current accountD.a foreign currency account13. International trade settlement methods are used to complete the money transfer aroused by ( A)A. goods transactionsB. services supplyC. security investmentD. investment incomes14. Documentary credit business is subject to ( A )A. UCP600B.URC522C. URDG758D. ISP9815. Collection business is subject to ( B )A. UCP600B.URC522C. URDG758D. ISP9816. Standby credit business is subject to ( D )A. UCP600B.URC522C. URDG758D. ISP9817. Letter of guarantee business is subject to ( C )A. UCP600B.URC522C. URDG758D. ISP9818. London is the clearing centre for ( B ) A. USD B. GBP C.EUR D.HKD19. New York is the clearing centre for （ A ）A. USDB. GBPC.EURD.HKD20. Tokyo is the clearing centre for （ D ）A. USDB. GBPC.EURD.JPY21. Frankfurt is the clearing centre for （ C ）A. USDB. GBPC.EURD.HKD22. Among the following documents, the one which is not regarded as control documents is （ D ）A. authorized signaturesB. test keysC. schedule of terms and conditionsD. correspondent arrangement23. The seller should arrange for the insurance of the goods transportation under （ C ）A. FOBB.CFRC.CIFD.EXW24. （A ）cheque can be cashed over the counter of paying bank.A. An openB. A crossedC. A general crossingD. A special crossing25. The effect of a blank endorsement is to make a negotiable instrument payable to the（ C ）A. specified person B, order of a specified person C. bearer D. named person26. If the bill is pay able “60 days after date ” , the date of payment is decided according to （C ）A. the date of acceptanceB. the date of presentationC. the date of issuanceD. the date of maturity27. The party to whom the bill is addressed is called th（e B ）A. drawerB. draweeC. holderD. payee28. When financing is without recourse, this means that the bank has no recourse to the（ D ）if such drafts are dishonored.A. payerB. draweeC. acceptorD. drawer29. The（C ）of a promissory note assumes the prime liability to make payment of the note.A. holderB. draweeC. makerD. acceptor30. The bill which must be presented for acceptance is（B ）A. the bill payable at xx days after dateB. the bill payable xx days after sightC. the bill payable on a fixed dateD. the bill payable at sight31. In order to retain the liabilities of the other parties, a bill that has been dishonored must be （ A ）A. protestedB. given to the acceptorC. retained in the filesD. presented to a bank32. （C ）is not a holder of a billA. PayeeB. EndorseeC. DrawerD. Bearer33. Which of the following is a relative essential item of a bill ?（B ）A. amountB. tenorC. payeeD. drawee34. An endorsement ,which prohibits the further negotiation of the instrument ,is called （D ）endorsement .A. qualifiedB. generalC. specificD. restrictive35. A check is a （ D ）draft drawn on a bankA. timeanceC. directD. demand36. The act which is never involved in promissory note business is( C )A. endorsementB.dishonorC.acceptanceD.presentation37. The act which is never involved in check business is( C )A. endorsementB.dishonorC.acceptanceD.presentation38. The acceptor of a bill is the person who originally named as ( B ) of the bill.A. drawerB. draweeC.payeeD.endorser39. The first holder of a bill is the ( C ) of the billA. drawerB. draweeC.payeeD.acceptor40. Among the following crossed cheques, the one which contains the words ( D ) is a special crossed cheque.A. bankerB. not negotiableC. A/C payeeD. Bank of China41. The means of authenticating payment order in mail transfer is the( D )A. SWIFT authentic keyB. schedule of terms and conditionsC. test keyD. authorized signatures42. The means of authenticating payment order in telegraphic transfer is th(e C ) A. correspondent arrangement B. schedule of terms and conditionsC. test keyD. authorized signatures43. Which of the following is not a method of remittance? ( C )A. M/TB. T/TC. T/RD. D/D44. Open account as a payment method is usually used whe(n D )A.goods are sold under the seller?s market conditionB. goods are badly needed by the buyerC. goods are of special standards or special specificationsD. goods are sold under the buyer?s market condition45. If the reimbursement instruction written on the payment order is exrpessed as ,in cover , we have credited your A/C with us?, the A/C relationship between the remitting bank and the paying bank must be( A )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a third bankD. remitting bank and paying bank have their A/Cs with two different banks46. If the reimbursement instruction written on the payment order is expressed asin, cover, please debit our A/C with you?, the A/C relationship between the remitting bank and the paying bank must be( B )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a third bankD. remitting bank and paying bank have their A/Cs with two different banks47. If the reimbursement instruction written on the payment order is expressed asin, cover, we have authorized Bank A to debit our A/C and credit your A/C with them?, the A/C relationshipbetween the remitting bank and the paying bank must be( C )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a third bankD. remitting bank and paying bank have their A/Cs with two different banks48. If the reimbursement instruction written on the payment order is expressed asin, cover, we have instructed Bank X to transfer the proceeds to your A/C with bank ?Y, the A/C relationship between the remitting bank and the paying bank must be （ D ）A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a third bankD. remitting bank and paying bank have their A/Cs with two different banks49. It will be more convenient if the collecting bank appointed by the seller （ B ）A. is a large bankB. is the remitting bank?scorrespondent in the place of the importerC. is in the exporter?s countryD. acts on the importer?s instructions50. Under D/P, the documents will not be delivered to the buyer until （D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is paid by the buyer51. Under D/A, the documents will not be delivered to the buyer until （D ） A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is accepted by the buyer52. In collection business, banks are obligated to check the documents received to see that （ C ）A. they are authenticB. they are regularC. they are the same as those listed in the collection instructionD. they are in the right form53. A bill of exchange which is accompanied by shipping documents is known as （B ）A. a clean billB. a documentary billC. a clean collectionD. a documentary collection54. In documentary collection, after the goods have been shipped, the exporter presents the documents to（C ）for collectionA. the collecting bankB. the reimbursing bankC. the remitting bankD. the opening bank55. Which of the following is not the obligation of remitting bank in collection ?( D )A. to complete a collection order strictly according to the principal?s instructions.B. to perform following all the instructions given by the principal.C. to keep the documents wellD. to examine the contents of documents in detail56. Which of the following is not the obligation of the collecting bank?( B )A.to verify the authenticity of the collection orderB. to take care of goodsC. to release documents strictly on the delivery terms of documents.D.to perform following all the instructions given by the remitting bank. 57.In collection business, the drawer of the draft for collection is ( A ) A. seller B. buyer C. remitting bank D. collecting bank58. In collection business, the drawee of the draft for collection is ( B ) A. seller B. buyer C. remitting bank D. collecting bank59. If the collection instruction given by the principal specifies that collection charges are to be borne by the drawee but with no express statement that they may not be waived, charges will be for the account of ( A ) providing the drawee refuses to pay them.A. principalB. remitting bankC. collecting bankD. presenting bank60. The price term which is more favorable to the seller under collection is ( D ) A. EXW B. FOB C. CFR D. CIF61. In L/C business , the exporter can receive the payment only when ( C )A. he has shipped the goodsB. he has presented the documentsC. the documents presented constitute a complying presentationD. the importer has taken delivery of the goods.62. In L/C business, the issuing bank can refuse to pay the credit amount when ( C ) A.the applicant prevents him from making paymentB. the goods are not the same as those stipulated in the sales contractC. one kind of document required by L/C isn?t presented.D.balance of the applicant?s account is not enough for payment .63. Of the following kinds of L/C, ( B )is the L/C which requires no drafts at all. A.sight payment creditB. deferred payment creditC. acceptance creditD. negotiation credit64. Of the following kinds of L/C, ( C ) is the L/C in which drafts are always required.A.sight payment creditB. deferred payment creditC. acceptance creditD.negotiation credit65. Of the following kinds of L/C, ( D ) is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman. A.non-transferable creditB. reciprocal creditC. revolving creditD. back to back credit66. Of the following kinds of L/C, ( A )is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.A. transferable creditB. reciprocal creditC. revolving creditD. confirmed credit67 Of the following kinds of L/C, ( C ) is the L/C which is especially suitable for use to settle the payment under a long term contract covering goods to be transportedby regular partial shipments.A.non-transferable creditB. reciprocal creditC. revolving creditD. back to back credit68.Of the following kinds of L/C, ( B ) is the L/C which is especially suitable for use to settle the payment under counter trade.A.non-transferable creditB. reciprocal creditC. revolving creditD. back to back credit69. Confirmation of a credit may be given by ( B )A. the beneficiary at the request of the importerB. the advising bank at the request of the issuing bankC. the advising bank after the receipt of correct documentationD. the issuing bank after the receipt of correct documentation70. The credit may only be confirmed if it is so authorized or allowed by ( A )A. the issuing bankB. the supplierC. the advising bankD. the beneficiary71. The second beneficiary of a transferable letter of credit is the ( D )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods72. The first beneficiary of a transferable letter of credit is the ( A )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods73. The red clause credit is often used as a method of ( B )A. providing the buyer with funds prior to shipmentB. providing the seller with funds prior to shipmentC. providing the buyer with funds after shipmentD. providing the seller with funds after shipment74. An applicant must reimburse an issuing bank unless he finds that ( D )A. goods are defectiveB. goods are not as ordered in the sales contractC. documents received do not allow him to clear the goods through customsD. documents do not conform on the face to the terms and conditions of the credit75. Application for any amendment to a letter of credit should be given to the issuing bank by ( A )A. the applicantB. the beneficiaryC. the advising bankD. the nominated bank76. The message type which is used to send a amendment notice of a documentary credit through SWIFT is numbered ( C )A. 700B. 705C. 707D. 71077. Among all the financial methods mentioned bellow , which method provides funds without recourse ？( C )A. packing loansB. bill discountingC. forfaitingD. borrowing docs against T/R78. Under letter of credit, the primary debtor is the( C )A. applicantB. importerC. issuing bankD. nominated bank79. The applicant of letter of credit is ( B )A. the exporterB. the importerC. the exporter?s bankD. the importer?s bank80. The beneficiary of letter of credit is ( A )A. the exporterB. the importerC. the exporter?s bankD. the importer?s bank81. A letter of credit which is expired on Oct. 1, 2008 specifies that“documents must be presented within 15days after the on board date of bill of ladin”g. If the on board date of bill of lading is Sep. 10,2008, the latest date of presentation must be ( B ) A. Sep. 24 ,2008 B. Sep. 25 ,2008 C. Sep. 26 ,2008 D. Oct. 1, 200882. If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least ( C ) of the CIF or CIP value of the goods.A. 100%B.105%C. 110%D.120%83. Which of the following actions performed by the nominated bank is not regard as the action of honor( D )A. to pay at sight under sight payment creditB. to incur a deferred payment undertaking and pay at maturity under deferred payment creditC. to accept the draft and pay at maturity under acceptance creditD. to negotiate under negotiation credit84. Complying presentation under letter of credit means a presentation that is in accordance with the terms and conditions of credit, the applicable rules of UCP and provisions of ( B )A. ISP98B. ISBP681C. ICC Publication No.522D.ICC Publication No. 75885. Among the following banks, the one who has no obligation to examine documents under letter of credit is ( C )A. the issuing bankB. the confirming bankC. the reimbursing bankD. the nominated bank86. The following are the financing methods which can be used by the seller in L/C business except ( D )A. negotiating the documentary draft to his bankA. applying for packing loans from his bankB. discounting the time draft already accepted by the drawee bankD. Borrowing docs from issuing bank against T/R87. The following are the financing methods which can be used by the buyer in L/C business except ( D )A.applying for issuing L/C with no margin requirement.B. borrowing docs from issuing bank against T/RC. taking the goods from shipping company against indemnity guarantee signed by the issuing bank.D. applying for packing loans from his bank88. A bill of lading doesn't function as ( D )A. a contract of transportationB. a receipt of goodsC a certificate of title to the goods D. an accounting document89. The drawee of a draft drawn under letter of credit may be ( C )A. the beneficiaryB. the applicantC. the issuing bankD. the negotiating bank90. If the bill of lading is made out to order , it must be endorsed by( B )so as to complete the transfer of the title to the goods .A. the carrierB. the shipperC. the notify partyD. the nominated bank。
国际结算习题答案
国际结算习题答案国际结算习题答案在国际贸易中，国际结算是一个重要的环节。
它涉及到货物和服务的支付和收款，以及跨国企业之间的资金流动。
而对于学习国际结算的学生来说，习题是检验自己理解和掌握程度的重要途径。
下面，我将为大家提供一些常见的国际结算习题及其答案，希望对大家的学习有所帮助。
1. 什么是国际结算？国际结算是指在国际贸易中，买方和卖方之间进行货款支付和收款的过程。
它包括货物和服务的结算方式、支付工具和结算时间等方面。
2. 国际结算的主要方式有哪些？国际结算的主要方式包括信用证结算、托收结算、电汇结算和票汇结算等。
其中，信用证结算是最常见和最安全的一种方式，它通过银行的介入，保障了买卖双方的权益。
3. 什么是信用证结算？信用证结算是指买方在银行开立信用证，要求银行向卖方支付货款。
卖方在符合信用证条款的情况下，向银行提出付款要求，银行按照信用证的约定向卖方支付货款。
4. 信用证结算的优势是什么？信用证结算的优势主要体现在以下几个方面：- 保障买卖双方的权益，减少交易风险。
- 提供了可靠的支付方式，增加了交易的可信度。
- 通过银行的介入，提供了专业的结算服务，减少了买卖双方的操作难度。
5. 托收结算和电汇结算的区别是什么？托收结算是指买方将付款指示交给银行，要求银行代为收款。
卖方根据买方的指示，向银行提出收款要求，银行收到货款后再支付给卖方。
而电汇结算是指买方直接通过银行向卖方支付货款。
6. 国际结算中的汇率风险如何应对？汇率风险是指由于汇率波动导致的结算金额损失。
为了应对汇率风险，可以采取以下几种方式：- 使用远期汇率合约锁定汇率，减少汇率波动的影响。
- 使用外汇期权进行对冲，以降低汇率波动带来的风险。
- 在交易合同中约定结算货币，避免货币转换带来的风险。
7. 如何选择适合的国际结算方式？选择适合的国际结算方式需要考虑以下几个因素：- 交易的金额和周期：对于大额交易和长期交易，信用证结算是较为安全和可靠的选择。
国际结算英文选择题附答案完整版
国际结算英文选择题附答案HEN system office room 【HEN16H-HENS2AHENS8Q8-HENH1688】1. To the exporter, the fastest and safest method of settlement is ( B )A. letter of creditB. cash in advanceC. open accountD. banker’s draft2. To the importer, the most favorable method of settlement is ( C )of credit B. cash in advance C. open account D. collection3. Which of the following payment method is based on commercialcredit?( C )of credit guarantee C. collection D. standby credit4. An exporter sells goods to a customer abroad on FOB and on CIF terms, who is responsible for the freight charges in each? ( A )A. importer; exporterB. exporter; importerC. importer; importerD. exporter; exporter5. International cash settlement has the following disadvantages except ( B )A. expensiveB. safeC. riskyD. time-consuming6. CHIPS is the electronic clearing system for ( B )B. USD D. EUR7. CHAPS is the electronic clearing system for ( A )B. USD D. EUR8. BOJ-NET is the electronic clearing system for ( D )A. USDB. GBP9. TARGET is the electronic clearing system for ( C )A. USDB. GBP10. CHATS is the electronic clearing system for ( D )A. USDB. GBP11. From a Chinese bank’s point of view , the current account it maintains abroad is known as ( A )A. a nostro accountB. a vostro accountC. a current account home currency account12. From a Chinese bank’s point of view , the current account maintained by a foreign bank with him is known as （B ）nostro account vostro accountcurrent account foreign currency account13. International trade settlement methods are used to complete the money transfer aroused by ( A)A. goods transactionsB. services supplyC. security investmentD. investment incomes14. Documentary credit business is subject to ( A )A. UCP600 522 C. URDG758 D. ISP9815. Collection business is subject to ( B )A. UCP600 522 C. URDG758 D. ISP9816. Standby credit business is subject to ( D )A. UCP600 522 C. URDG758 D. ISP98of guarantee business is subject to ( C )A. UCP600 522 C. URDG758 D. ISP9818. London is the clearing centre for ( B )A. USDB. GBP19. New York is the clearing centre for ( A )A. USDB. GBP20. Tokyo is the clearing centre for ( D )A. USDB. GBP21. Frankfurt is the clearing centre for ( C )A. USDB. GBPthe following documents, the one which is not regarded as control documents is ( D )A. authorized signaturesB. test keysC. schedule of terms and conditionsD. correspondent arrangement23. The seller should arrange for the insurance of the goodstransportation under ( C )24.（ A ） cheque can be cashed over the counter of paying bank.A. An openB. A crossedC. A general crossingD. A special crossing25. The effect of a blank endorsement is to make a negotiable instrument payable to the （ C ）A. specified person B, order of a specified person C. bearer D. named person26. If the bill is pay able “60 days after date”, the date of payment is decided according to （ C ）A. the date of acceptanceB. the date of presentationC. the date of issuanceD. the date of maturity27. The party to whom the bill is addressed is called the（ B ）A. drawerB. draweeC. holderD. payee28. When financing is without recourse, this means that the bank has no recourse to the （ D ）if such drafts are dishonored.A. payerB. draweeC. acceptorD. drawer29. The（ C ） of a promissory note assumes the prime liability to make payment of the note.A. holderB. draweeC. makerD. acceptor30. The bill which must be presented for acceptance is （ B ）A. the bill payable at xx days after dateB. the bill payable xx days after sightC. the bill payable on a fixed dateD. the bill payable at sight31. In order to retain the liabilities of the other parties, a bill that has been dishonored must be （ A ）A. protestedB. given to the acceptorC. retained in the filesD. presented to a bank32.（ C ）is not a holder of a billA. PayeeB. EndorseeC. DrawerD. Bearer33. Which of the following is a relative essential item of a bill ?（ B ）A. amountB. tenorC. payeeD. drawee34. An endorsement ,which prohibits the further negotiation of the instrument ,is called （ D ）endorsement .A. qualifiedB. generalC. specificD. restrictive35. A check is a （ D ）draft drawn on a bankA. time C. direct D. demand36. The act which is never involved in promissory note business is（ C ）37. The act which is never involved in check business is （ C ）38. The acceptor of a bill is the person who originally named as ( B ) ofthe bill.A. drawerB. drawee39. The first holder of a bill is the ( C ) of the billA. drawerB. drawee40. Among the following crossed cheques, the one which contains the words ( D ) is a special crossed cheque.A. bankerB. not negotiableC. A/C payeeD. Bank of China41. The means of authenticating payment order in mail transfer is the（ D ）A. SWIFT authentic keyB. schedule of terms and conditionsC. test keyD. authorized signatures42. The means of authenticating payment order in telegraphic transfer is the（ C ）A. correspondent arrangementB. schedule of terms and conditionsC. test keyD. authorized signatures43. Which of the following is not a method of remittance? （ C ）A. M/TB. T/TC. T/RD. D/D44. Open account as a payment method is usually used when （ D ）are sold under the seller’s market conditionare badly needed by the buyerare of special standards or special specificationsare sold under the buyer’s market condition45. If the reimbursement instruction written on the payment order is expressed as ‘in cover , we have credited your A/C with us’, the A/C relationship between the remitting bank and the paying bank must be( A )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks46. If the reimbursement instruction written on the payment order is expressed as ‘in cover, please debit our A/C with you’, the A/C relationship between the remitting bank and the paying bank must be( B )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks47. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have authorized Bank A to debit our A/C and credit your A/C with them’, the A/C relationship between the remitting bank and the paying bank must be( C )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks48. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have instructed Bank X to transfer the proceeds to your A/C with bank Y’, the A/C relationship between the remitting bank and the paying bank must be ( D )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks49. It will be more convenient if the collecting bank appointed by the seller （ B ）A. is a large bankB. is the remitting bank’s correspondent in the place of the importerC. is in the exporter’s countryD. acts on the importer’s instructions50. Under D/P, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is paid by the buyer51. Under D/A, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is accepted by the buyer52. In collection business, banks are obligated to check the documents received to see that （ C ）A. they are authenticB. they are regularC. they are the same as those listed in the collection instructionD. they are in the right form53. A bill of exchange which is accompanied by shipping documents is known as （ B ）A. a clean billB. a documentary billC. a clean collectionD. a documentary collection54. In documentary collection, after the goods have been shipped, the exporter presents the documents to （ C ）for collectionA. the collecting bankB. the reimbursing bankC. the remitting bankD. the opening bank55. Which of the following is not the obligation of remitting bank in collection ?（ D ）A. to complete a collection order strictly according to the principal’s instructions.B. to perform following all the instructions given by the principal.C. to keep the documents wellD. to examine the contents of documents in detail56. Which of the following is not the obligation of the collecting bank?（ B ）verify the authenticity of the collection orderB. to take care of goodsrelease documents strictly on the delivery terms of documents.perform following all the instructions given by the remitting bank.collection business, the drawer of the draft for collection is ( A )A. sellerB. buyerC. remitting bankD. collecting bank58. In collection business, the drawee of the draft for collection is( B )A. sellerB. buyerC. remitting bankD. collecting bank59. If the collection instruction given by the principal specifies that collection charges are to be borne by the drawee but with no express statement that they may not be waived, charges will be for the account of ( A ) providing the drawee refuses to pay them.A. principalB. remitting bankC. collecting bankD. presenting bank price term which is more favorable to the seller under collection is ( D )A. EXWB. FOBC. CFRD. CIF61. In L/C business , the exporter can receive the payment only when ( C )A. he has shipped the goodshas presented the documentsdocuments presented constitute a complying presentationimporter has taken delivery of the goods.62. In L/C business, the issuing bank can refuse to pay the credit amount when ( C )applicant prevents him from making paymentgoods are not the same as those stipulated in the sales contract kind of document required by L/C isn’t presented.of the applicant’s account is not enough for payment .63. Of the following kinds of L/C, ( B )is the L/C which requires nodrafts at all.payment creditpayment creditcreditcredit64. Of the following kinds of L/C, ( C ) is the L/C in which drafts are always required.payment creditpayment creditcreditcredit65. Of the following kinds of L/C, ( D ) is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.creditcreditcreditto back credit66. Of the following kinds of L/C, ( A )is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.A. transferable creditB. reciprocal creditC. revolving creditcredit67 Of the following kinds of L/C, ( C ) is the L/C which is especially suitable for use to settle the payment under a long term contract covering goods to be transported by regular partial shipments.creditcreditcreditto back creditthe following kinds of L/C, ( B ) is the L/C which is especially suitable for use to settle the payment under counter trade.creditcreditcreditto back credit69. Confirmation of a credit may be given by ( B )A. the beneficiary at the request of the importerB. the advising bank at the request of the issuing bankC. the advising bank after the receipt of correct documentationD. the issuing bank after the receipt of correct documentation70. The credit may only be confirmed if it is so authorized or allowed by ( A )A. the issuing bankB. the supplierC. the advising bankD. the beneficiary71. The second beneficiary of a transferable letter of credit is the( D )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods72. The first beneficiary of a transferable letter of credit is the( A )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods73. The red clause credit is often used as a method of ( B )A. providing the buyer with funds prior to shipmentB. providing the seller with funds prior to shipmentC. providing the buyer with funds after shipmentD. providing the seller with funds after shipment74. An applicant must reimburse an issuing bank unless he finds that( D )A. goods are defectiveB. goods are not as ordered in the sales contractC. documents received do not allow him to clear the goods through customsD. documents do not conform on the face to the terms and conditions of the credit75. Application for any amendment to a letter of credit should be given to the issuing bank by ( A )A. the applicantB. the beneficiaryC. the advising bankD. the nominated bank76. The message type which is used to send a amendment notice of a documentary credit through SWIFT is numbered ( C )A. 700B. 705C. 707D. 710all the financial methods mentioned bellow , which method provides funds without recourse ？ ( C )A. packing loansB. bill discountingC. forfaitingD. borrowing docs against T/Rletter of credit, the primary debtor is the( C )A. applicantB. importerC. issuing bankD. nominated bank79. The applicant of letter of credit is ( B )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bank80. The beneficiary of letter of credit is ( A )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bankletter of credit which is expired on Oct. 1, 2008 specifies that “documents must be presented within 15days after the on board date ofbill of lading”. If the on board date of bill of lading is Sep. 10,2008, the latest date of presentation must be ( B )A. Sep. 24 ,2008B. Sep. 25 ,2008C. Sep. 26 ,2008D. Oct. 1, 200882. If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least ( C ) of the CIF or CIP value of the goods.A. 100% % C. 110% %83. Which of the following actions performed by the nominated bank is not regard as the action of honor( D )A. to pay at sight under sight payment creditB. to incur a deferred payment undertaking and pay at maturity underdeferredpayment creditC. to accept the draft and pay at maturity under acceptance creditD. to negotiate under negotiation credit84. Complying presentation under letter of credit means a presentationthat is in accordance with the terms and conditions of credit, the applicable rules of UCP and provisions of ( B )A. ISP98B. ISBP681C. ICC Publication Publication No. 75885. Among the following banks, the one who has no obligation to examine documents under letter of credit is ( C )A. the issuing bankB. the confirming bankC. the reimbursing bankD. the nominated bankfollowing are the financing methods which can be used by the seller inL/C business except ( D )A. negotiating the documentary draft to his bankA.applying for packing loans from his bankB.discounting the time draft already accepted by the drawee bankD. Borrowing docs from issuing bank against T/Rfollowing are the financing methods which can be used by the buyer in L/C business except ( D )for issuing L/C with no margin requirement.docs from issuing bank against T/Rthe goods from shipping company against indemnity guarantee signed by the issuing bank.for packing loans from his bank88. A bill of lading doesn't function as ( D )A. a contract of transportationB. a receipt of goodsC a certificate of title to the goods D. an accounting document89. The drawee of a draft drawn under letter of credit may be ( C )A. the beneficiaryB. the applicantC. the issuing bankD. the negotiating bank90. If the bill of lading is made out to order , it must be endorsed by （ B ）so as to complete the transfer of the title to the goods .A. the carrierB. the shipperC. the notify partyD. the nominated bank。
国际结算英文版课后练习答案
国际结算英⽂版课后练习答案Chapter One1. Fill in the blanks to complete each sentence.(1) local legal system, political, exchange risks(2) open account, advance payment, remittance and collection(3) letter of credit, bank guarantee(4) price terms, delivery terms(5) least/minimum, most/maximum(6) advance payment(7) open account(8) clean collection, documentary collection2. 略3. Translate the following terms into English.(1) settlement on bank credit(2) the potential for currency fluctuation(3) to clear the goods for export(4) to pay the insurance premium(5) to carry out export formalities(6) the major participants in international trade(7) the commodity inspection clause(8) to fulfill the obligation to deliver the goods(9)t he goods have passed over the ship’s rail(10)I nternational contract is concluded in a completely different context than domestic ones 4．Decide whether the following statements are true or false.(1) F (2) F (3) T (4) T (5) T(6) T (7) F (8) T (9) T (10) F5. Choose the best answer to each of the following statements(1)-(5) BCCBD (6)-(10) DACCC(11)-(15) BDDCD (16)-(20) DCACDChapter Two1. Fill in the blanks to complete each sentence.(1) barter(2) medium of exchange(3) expensive, risky(4) our(5) Vostro(6) vostro(7) nostro(8) specimen of authorized signatures, telegraphic test keys, terms and conditions, Swift authentic keys2. Define the following terms(1) Correspondent relationship 〖A bank having direct connection or friendly service relations with another bank.〗(2) International settlements〖International settlements are financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another in order to settle accounts, debts, claims, etc. emerged in the course of political, economic or cultural contracts among them. 〗(3) Visible trade〖The exchange of goods and commodities between the buyer and the seller across borders.〗(4) Financial transaction〖International financial transaction covers foreign exchange market transactions, government supported export credits, syndicated loans, international bond issues, etc.〗(5). Vostro account〖Vostro account is an account held by a bank on behalf of a correspondent bank.〗3. Translate the following terms into English.(1) commercial credit(2) control documents(3) account relationship(4) cash settlement(5) financial intermediary(6) credit advice(7) agency arrangement(8) credit balance(9)reimbursement method(10) test key/code4．Decide whether the following statements are true or false.(1) T (2) F (3) F (4) T (5) F5. Choose the best answer to each of the following statements(1)-(5) BCDAD (6)-(10) BBDABChapter Three1. Define the following Terms:(1) Negotiable instrument〖“A negotiable instrument is a chose in action, the full and legal title to which is transferable by delivery of the instrument (po ssibly with the transferor’s endorsement) with the result that complete ownership of the instrument and all the property it represents passes free from equities to the transferee, providing the latter takes the instrument in good faith and for value.” 〗(2) Bill of exchange〖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 or to the order of a specified person, or to bearer. 〗(3) Check〖A check is an unconditional order in writing addressed by the customer to a bank signed by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer. 〗(4) Documentary bill〖It is a bill with shipping documents attached thereto. 〗(5) Crossing〖A crossing is in effect an instruction to the paying bank from the drawer or holder to pay the fund to a bank only. 〗2. Translate the following terms into English.(1) ⼀般划线⽀票〖generally crossed check〗(2) 特殊划线⽀票〖specially crossed check〗(3) 过期⽀票〖a check that is out of date〗(4) 未到期⽀票〖post dated check〗(5) ⼤⼩写⾦额〖amount in words〗(6) ⽩背书〖blank endorsement〗(7) 特别背书〖special endorsement〗(8) 限制性背书〖restrictive endorsement〗(9) 跟单汇票〖documentary bill〗(10) 即期汇票〖sight draft〗(11) 远期汇票〖usance/term bill〗(12) 承兑汇票〖acceptance bill〗(13) 可确定的未来某⼀天〖determinable future date〗(14) 光票〖clean bill〗(15) 流通票据〖negotiable instrument〗(16) 贴现⾏〖discounting house 〗(17) 商⼈银⾏〖merchant bank〗(18) ⽆条件的付款承诺〖unconditional promise of payment〗(19) 负连带责任〖jointly and severally responsible〗(20) 出票后90天付款〖payable 90 days after date〗3. Decide whether the following statements are true or false.(1) T (2) F (3) T (4) T (5) T(6) F (7) T (8) T (9) T (10) T(11) F (12) T (13) T (14) F (15) T(16) T (17) T (18) F (19) F (20) F4. Choose the best answer to each of the following statements(1)-(5) CACBC (6)-(10) BACBB(11)-(15) BDCCC (16)-(20) BBAAC5-7 略Chapter Four1. Fill in the blanks to complete each sentence.(1) beneficiary(2) payment order / mail advice / debit advice(3) the remittance amount is large / the transfer of funds is subject to a time limit / test key(4) sell it to his own bank for crediting his account(5) debits / credits(6) demand draft(7) act of dishonor(8) swiftness / reliability / safety / inexpensiveness(9) debiting remitting bank’s nostro account(10) delivery of the goods2. Define the following Terms.(1) International remittance means a client (payer) asks his bank to send a sum of money to a beneficiary abroad by one of the transfer methods at his option while the beneficiary can be paid at the designated bank which is either the re mitting bank’s overseas branch or its correspondent with a nostro account.(2) Remitting bank is the bank transferring funds at the request of a remitter to its correspondent or its branch in another country and instructing the latter to pay a certain amount of money to a beneficiary.(3) A mail transfer is to transfer funds by means of a payment order or a mail advice, or sometimes a debit advice issued by a remitting bank, at the request of the remitter.(4) Demand draft transfer is a remittance method using a bank demand draft. It is a negotiable instrument drawn by one bank on its overseas branch or its correspondent abroad ordering the latter to pay on demand the stated amount to the holder of the draft.(5) Cancellation of the reimbursement under mail transfer or telegraphic transfer is usually done before its payment is made at the request of the remitter or the payee who refuses to receive the payment.3. Translate the following terms into English.(1) 汇款通知单remittance advice (2) 汇出汇款outward remittance(3) 国际汇款单international money order (4) 往来账户current account(5) ⾃动⽀付系统automated payment system (6) 作为偿付in cover(7) 赔偿保证书letter of indemnity (8) 信汇通知书 mail advice(9) 汇票的不可流通副本non-negotiable copy of draft (10) ⾸期付款down payment4. Choose the best answer to each of the following statements(1)-(5) BCABD (6)-(10) BBBAAChapter Five1. Fill in the blanks to complete each sentence.(1) presenting bank(2) title documents / pays the draft / accepts the obligation to do so(3) legal / the exchange control authorities(4) the payment is made(5) open account / advance payment(6) Inward collection(7). the remitting bank(8) trust receipt(9) D/P at sight(10) documents, draft, and collection order2. Define the following terms(1) Collection is an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and/or shipping documents are forwarded to the seller’s bank with clear instructions for collection through one of its correspondent banks located in the domicile of the buyer.(2) The case of need is the representative appointed by the principal to act as case of need in the event of non-acceptance and/or non-payment, whose power should be clearly and fully stated in the collection.(3) Documentary collection is a collection of financial instruments being accompanied by commercial documents or collection of commercial documents without being accompanied by financial instruments, that is, commercial documents without a bill of exchange. Alternatively, the documentary collection is a payment mechanism that allows the exporters to retain ownership of the goods until they receive payment or are reasonably certain that they will receive it.(4) Outward collection is a banking business in which a bank acting as the remitting bank sends the draft drawn against an export with or without shipping documents attached, to an appropriate overseas bank, namely, the collecting bank to get the payment or acceptance from the importer.(5) Collection bill purchased is a kind of financing by banks for exporters under documentary collection methods. It means that the remitting bank purchases the documentary bill drawn by the exporter on the importer. It involves great risk for the remitting bank due to lack of a guarantee.3. Translate the following terms into English.(1) 承兑交单acceptance against documents (2) 商业承兑汇票 trade acceptance(3) 需要时的代理⼈case of need (4) 出⼝押汇export bill purchased(5) 物权单据 title document (6) 以寄售⽅式on consignment(7) 直接托收direct collection (8) 货运单据shipping documents(9) 付款交单documents against payment (10) 远期汇票time/ tenor/term/ usance draft4. Choose the best answer to each of the following statements(1)-(5) ABCAB (6)-(10) ACAADChapter Six1. Define the following terms:(1) Letter of credit 〖The Documentary Credit or letter of credit is an undertaking issued by a bank for the account of the buyer (the applicant) or for its own account, to pay the beneficiary the value of the draft and/or documents provided that the terms and conditions of the documentary credit are complied with. 〗(2) Confirmed letter of credit 〖A credit that carries the commitment to pay by both the issuing bank and the advising bank. 〗(3) Revolving credit 〖A credit by which, under the terms and conditions thereof, the amount is renewed or reinstated without specific amendments to the documentary credit being required. 〗(4) Confirming bank 〖A bank, usually the advising bank, which adds its undertaking to those of the issuing bank and assumes liability under the credit.〗(5) Applicant of the credit〖The applicant is always an importer or a buyer, who fills out and signs an application form, requesting the bank to issue a credit in favor of an exporter or a seller abroad.〗2. Translate the following terms or sentences into English.(1) 未授权保兑〖silent confirmation 〗(2) 有效地点为开证⾏所在地的柜台〖to expire at the counters of the issuing bank 〗(3) 凭代表物权的单据付款〖to pay against documents representing the goods〗(4) 信⽤证以银⾏信⽤代替了商业信⽤。
智慧树答案国际结算(双语)知到课后答案章节测试2022年
第一章1.Development of international settlement does not include ( ).答案:Fromindirect settlement to direct settlement2.Main topics of International Settlement include the following, except ( ).答案:Risk Management3.Roles of Banks in International Settlement include the following, except ( ).答案:Asset management4.When establishing correspondent banking relationship, the ControlDocuments contains ( ).答案:All of the above5.The most commonly used payment instrument is ( ).答案:NegotiableInstrument第二章1.Properties of Negotiable Instruments include ( ).答案:All of the other2.The payer of ( ) effects payment upon presentation.答案:Demand Bill3.If the payee is ( ), the draft can not be endorsed.答案:Restrictive Order4.Crossed cheque can be used to withdraw cash.答案:错5.When a Cheque is crossed specially, the Holder may cross it generally.答案:错第三章1.( ) is the fastest and safest way to transfer fund.答案:T/T2.( ) is the sender of MT103.答案:Remitting Bank3.In Remittance, the Remitting Bank is also call ed the Exporter’s Bank.答案:错4.In MT103, when banking charges are shared between the Remitter and theBeneficiary, field 70A will be recorded as “OUR”.答案:错5.Open Account is in favor of the Importer but unfavorable for the Exporter.答案:对第四章1.Under ( ) the importer bears greater risk.答案:Cash in Advance2.Collection Draft needs to be endorsed ( ), if the Payee is the Principal.答案:Twice3.If the Collection Instruction specifies that interest is to be collected, it muststate ( ).答案:All of the other4.( ) is the bank to which the Principal has entrusted the handling of aCollection.答案:Remitting Bank5.Under Collection, it is recommended to mark ( ) under 'Consignee' of the Billof Lading.答案:'to order of Shipper'第五章1.Banks takes responsibility to effect payment immediately by issuing ( ).答案:Sight Credit2.When determining the date of shipment, “on or about June 11th” refer to ( ).答案:June 6~163.The words “to”, “until”, “till”, “from” and “between” when used to determine aperiod of shipment include the date or dates mentioned答案:对4.The words “before” and “after” when used to determine a period of shipmentinclude the date mentioned.答案:错5.Partial acceptance of an amendment is not allowed and will be deemed to benotification of rejection of the amendment.答案:对第六章1.( ) will compensate the Beneficiary when the Guarantor fails to fulfill itsobligation.答案:Confirming Bank2.Under Letter of Guarantee, the liability undertaken by banks is definitive andprimary.答案:错3.Under Letter of Guarantee, Bank will effect payment only if the Beneficiaryfails to fulfill the obligations in the commercial contract.答案:错4.Under Letter of Guarantee, if the Beneficiary fails to fulfill its obligation, theApplicant has the right to make claim to the Guarantor and ask forcompensation.答案:错5.The Counter Guarantor will compensate the Beneficiary when the Guarantorfails to fulfill its obligation.答案:错第七章1.Financial documents including the following, except（）.答案:Invoice2.Basic documents include the following, except ( ).答案:Certificate of Origin3.( ) is not transferable. The goods can only be taken by the Consignee.答案:Straight B/L4.( ) does not state the name of the Consignee. Anyone who holds the B/L cantake goods from the Carrier.答案:Open B/L5.Bill of lading is a type of financial documents.答案:错第八章1.Place for presentation include the following, except ( ).答案:Remitting Bank2.The Notice of Refusal should include ( ).答案:All of the above3.Banks shall each have a maximum of ( ) banking days following the day ofpresentation to determine if a presentation is complying.答案:Five4.Under Letter of Credit, the Beneficiary should submit documents to theApplicant答案:错5.If presenter fails to resubmit before the lastest presenting date, thedocuments are deemed with discrepancies and can not be revised.答案:对。
国际结算课后习题答案
《国际结算》章后习题答案1.简述票据的定义及特性答：票据是由出票人签发，具有法定格式，约定由自己或指定他人无条件支付一定金额的可以转让流通的有价证券，包括汇票、本票和支票。
票据具有8个特性：设权性；无因性；要式性；文义性；金钱性；返还性；提示性；流通转让性。
2.简述汇票的必要项目答：汇票是一种要式凭证，注重在形式上应具备必要项目。
一张汇票的必要项目是否齐全和合格，决定了该汇票是否具有法律效力。
汇票的必要项目包括：①“汇票”字样；②无条件支付命令；③收款人名称；④确定的金额；⑤付款人名称；⑥出票人名称和签字；⑦出票日期和出票地点；⑧付款地点；⑨付款期限3.什么是汇款？汇款可分哪几种？答：汇款又称汇付，是指交易双方订立商务合同后，进口商将货款交给进口银行，要求银行通过一定的方式，委托在出口地的代理行或联行，将款项交给出口商的一种结算方式。
按照所采用的支付工具的不同，汇款可分为电汇、信汇和票汇三种不同的方法。
4. 托收的含义和特点是什么?答：国际商会《托收统一规则》（URC522）第二条规定：托收是指由接受托收指示的银行依据所收到的指示处理金融单据或商业单据以便取得付款或承兑，或凭付款或承兑交出商业单据或凭其他条款或条件交出单据。
托收的特点：（1）以商业信用为基础，出口商承担了较大的风险（2）资金负担仍不平衡（3）手续比较繁琐，费用较高5. 简述托收方式下的当事人及其关系。
答：在托收业务中，主要涉及四个当事人，即委托人、托收行、代银行和付款人。
（1）委托人通常是指委托银行办理托收业务的一方。
（2）托收行是指接受委托人的委托办理托收的银行。
（3）代收行是指接受托收行的委托，依照托收行指示，向进口商或债务人收款的银行。
（4）付款人是指依照托收指示，由代收行向其提示单据并要求其付款的人。
托收下四大当事人之间存在三个合同关系，一是委托人与付款人之间的买卖合同关系，双方按买卖合同履行各自的义务；二是委托人与托收行之间的委托代理合同，即委托人填写的托收申请书，托收行应按委托人的指示办理相关业务；三是托收行与代收行之间的委托代理合同，即托收委托书，代收行作为代理人应严格执行托收行的指示办理代收业务。
国际结算习题(带答案)说课材料
第一章国际结算概述一、是非判断1、由于在建立代理行关系之前，已对对方各方面情况做了全面深入的了解，因此，凡是代理行开来的信用证，我们都可以接受。
N2、选择账户行的要求比建立代理行关系的要求更高。
Y3、国际金融领域风云多变，虽已建立了代理行关系，仍应随时注意情况变化，以便必要时采取安全措施。
Y4、坚持“世界上只有一个中国”的原则，我国内地与香港、澳门、台湾之间的货币收付结算不应属于国际结算的范畴，而只能按国内结算办理。
N5、当代国际结算大部分采取记账和转账方式。
Y6代理行关系只能由双方银行的总行协商后建立，不能由各分支行自行决定。
Y7、账户行关系只能在代理行基础上建立。
Y8、代理行未必就是账户行。
Y9、在国际贸易和国际结算的长期发展中已经形成了一整套被各国银行、工商、航运、法律等各界广泛接受并采用的国际惯例，因此，这些国际惯例对当事人具有强制性。
N二、单项选择1、银行在办理国际结算时选择往来银行的先后顺序，最先选择的应是（B）。
A.账户行B．联行 C.非账户行 D.代理行2、（B）不属于代理行之间的控制文件。
A．密押B．有权签字人的签字式样C．代理范围 D.印鉴E．费率表3．一家银行的总行与分支行以及各分支行之间的关系是（A）关系。
A．联营银行．B．联行C．代理行D．账户行三、不定项选择l．目前国际贸易结算中绝大多数是（BD）结算。
A．现金B．非现金C．现汇D．记账2．（ACDE）所引起的跨国货币收付不属于国际贸易结算范畴。
A．劳务输出入B．商品贸易C．服务贸易D．对外直接投资E外来投资3、银行在国际贸易结算中居于中心地位，具体而言，其作用是（ABC）。
A办理国际汇兑B提供信用保证C融通资金D减少汇率风险第二章国际结算中的票据一、是非判断1对于未说明开立依据的票据，受系人可以表示拒付。
N2提示付款即持票人在合理时间内，向受票人提示非要求即时付款，因此，所提示的汇票应是即期汇票。
N3汇票的出票人在汇票的受票人承兑汇票后，即解除了对汇票的责任。
《国际结算》教材答案最新版
第一章一、1 支付工具划账冲抵2 票据单据银行3 协定贸易结算4 货物单据化所有权二、1 F 2 F 3 T 4 F 5 F 6 T三、1 A 2 C 3 A 4 C第二章一、1 拒付退票2 2007年4月3日3 商业本票银行本票4 银行汇票商业汇票5 光票跟单汇票6 非票据义务人义务被保证人二、1 F 2 F 3 F 4 T 5 F 6 F三、1 B 2 B 3 D第三章一、1 (1)remitter (2) payee (3)remitting bank (4) paying bank2 (1)outward remittances? (2) inward remittances3 (1) T/T (2) M/T (3) D/D4 (1) chips (2) fed wire (3) bank’s internal payment by book entries5 (1) mail advice (2) payment order6 (1) banker’s cheque (2) bank’s promissory note7 draft on center8 (1) goods sold (2) selling on consignment9 略二、 1 T 2 T 3 F 4 T 5 F 6 F三、 1 D 2 B 3 A 4 A 5 C 6 A第四章一、1 (1)acceptance (2)payment2 （1）bills of exchange （2）invoices3 (1) clean (2) documentary (3) direct4 (1) principal (2) remitting bank (3)collecting presenting(4) drawee5 （1）collection instruction（2）URC 5226 （1）blank（2）special7 （1）address（2）presentation（3）address8 (1) payment D/P (2) acceptance D/A(3) tenor draft(4) paid at sight acceptance(5) signed trust receipt? (6) promissory notes(7) letter of undertaking9 (1) collection bills purchase (2) advance against collection(3) accommodation bills for discount(4) trust receipt10 略二、 1 T 2 F 3 F 4 T 5 T 6 T 7 T 8 F 9 F 10 F第五章一、1．有条件2．代理行3．背对背信用证4．信用证的有效期内5．符合信用证条款规定的单据6．开证行7．受益人提交的单据8．进口商/申请人9．第一性的10．偿付行二、BCACB DBBCB ADAAA DB三、×√×√√××√√×四、（单选）CBCCD? ACCDB五、1．分析：BanK1 的拒付理由成立。
国际结算双语版课后练习选择判断答案
第一章1.国际结算制度的核心是( A )A.信用制度B.银行制度C.贸易制度D.外汇管理制度2.现代国际结算使用的主要工具是( A )A.票据B.现金C.信用证D.汇票3. 商品进出口款项的结算属于( C )。
A.双边结算B.多边结算C.贸易结算D.非贸易结算4.传统的国际贸易和结算中的信用主要是( D )两类。
A.系统信用和银行信用B.系统信用和司法信用C.商业信用和司法信用D.商业信用和银行信用5.以下哪一个不是建立代理行关系的步骤( D )A考察了解对方银行的资信B.签订代理协议并互换控制文件C.双方银行确认控制文件D.了解对方银行的习惯做法6. Which of the following is the USD payment and settlement system ( B )A.CHAPSB.CHIPSC.TARGETD.BOJ-NET7. At present, the biggest amount of currency in the global international settlement( C )A. JPYB. EURC. USDD. GBP8. In the case of other conditions unchanged, which of the following currency settlement should the importer choose ( A )?A. have down trend of currencyB. have up trend of currencyC. the value of currency is fixedD. currency fluctuates up and down significantly第二章9.A bank issues a draft and makes another bank as the drawee ,and the character of thisdraft is( B )A. commercial draftB. bank's draftC. commercial acceptance draftD. bank's acceptance draft10.Contrast to the means of payment ,a traveler's cheque is ( A ) in the character.A. promissory noteB. bill of exchangeC. chequeD. letter of credit11.Which of the following is not the basic party of draft( D )A. drawerB. draweeC. payeeD. endorser12.在汇票背书转让过程中，只有( B )A.背书人具有向付款人要求付款的权利B.持票人具有向付款人要求付款的权利C.出票人具有向付款人要求付款的权利D.承兑人具有向付款人要求付款的权利13.票据的作成,形式上需要记载的必要项目必须齐全，各个必要项目又必须符合票据法律规定，方可使票据产生法律效力。
国际结算英文选择题 附答案
1. To the exporter, the fastest and safest method of settlement is ( B )A. letter of creditB. cash in advanceC. open accountD. banker’s draft2. To the importer, the most favorable method of settlement is ( C )A.letter of creditB. cash in advanceC. open accountD. collection3. Which of the following payment method is based on commercialcredit?( C )A.letter of creditB.bank guaranteeC. collectionD. standby credit4. An exporter sells goods to a customer abroad on FOB and on CIF terms, who is responsible for the freight charges in each? ( A )A. importer; exporterB. exporter; importerC. importer; importerD. exporter; exporter5. International cash settlement has the following disadvantages except ( B )A. expensiveB. safeC. riskyD. time-consuming6. CHIPS is the electronic clearing system for ( B )A.GBPB. USDYD. EUR7. CHAPS is the electronic clearing system for ( A )A.GBPB. USDYD. EUR8. BOJ-NET is the electronic clearing system for ( D )A. USDB. GBPC.EURD.JPY9. TARGET is the electronic clearing system for ( C )A. USDB. GBPC.EURD.JPY10. CHATS is the electronic clearing system for ( D )A. USDB. GBPC.EURD.HKD11. From a Chinese bank’s point of view , the current account it maintains abroad is known as ( A )A. a nostro accountB. a vostro accountC. a current accountD.a home currency account12. From a Chinese bank’s point of view , the curren t account maintained by a foreign bank with him is known as （B ）A.a nostro accountB.a vostro accountC.a current accountD.a foreign currency account13. International trade settlement methods are used to complete the money transfer aroused by ( A)A. goods transactionsB. services supplyC. security investmentD. investment incomes14. Documentary credit business is subject to ( A )A. UCP600B.URC522C. URDG758D. ISP9815. Collection business is subject to ( B )A. UCP600B.URC522C. URDG758D. ISP9816. Standby credit business is subject to ( D )A. UCP600B.URC522C. URDG758D. ISP9817.Letter of guarantee business is subject to ( C )A. UCP600B.URC522C. URDG758D. ISP9818. London is the clearing centre for ( B )A. USDB. GBPC.EURD.HKD19. New York is the clearing centre for ( A )A. USDB. GBPC.EURD.HKD20. Tokyo is the clearing centre for ( D )A. USDB. GBPC.EURD.JPY21. Frankfurt is the clearing centre for ( C )A. USDB. GBPC.EURD.HKD22.Among the following documents, the one which is not regarded as control documents is ( D )A. authorized signaturesB. test keysC. schedule of terms and conditionsD. correspondent arrangement23. The seller should arrange for the insurance of the goods transportation under ( C )A.FOBB.CFRC.CIFD.EXW24.（ A ） cheque can be cashed over the counter of paying bank.A. An openB. A crossedC. A general crossingD. A special crossing25. The effect of a blank endorsement is to make a negotiable instrument payable to the （ C ）A. specified person B, order of a specified person C. bearer D. named person26. If the bill is pay able “60 days after date”, the date of payment is decided according to （ C ）A. the date of acceptanceB. the date of presentationC. the date of issuanceD. the date of maturity27. The party to whom the bill is addressed is called the（ B ）A. drawerB. draweeC. holderD. payee28. When financing is without recourse, this means that the bank has no recourse to the （ D ）if such drafts are dishonored.A. payerB. draweeC. acceptorD. drawer29. The（ C ） of a promissory note assumes the prime liability to make payment of the note.A. holderB. draweeC. makerD. acceptor30. The bill which must be presented for acceptance is （ B ）A. the bill payable at xx days after dateB. the bill payable xx days after sightC. the bill payable on a fixed dateD. the bill payable at sight31. In order to retain the liabilities of the other parties, a bill that has been dishonored must be （ A ）A. protestedB. given to the acceptorC. retained in the filesD. presented to a bank32.（ C ）is not a holder of a billA. PayeeB. EndorseeC. DrawerD. Bearer33. Which of the following is a relative essential item of a bill ?（ B ）A. amountB. tenorC. payeeD. drawee34. An endorsement ,which prohibits the further negotiation of the instrument ,is called （ D ）endorsement .A. qualifiedB. generalC. specificD. restrictive35. A check is a （ D ）draft drawn on a bankA. timeanceC. directD. demand36. The act which is never involved in promissory note business is （ C ）A.endorsementB.dishonorC.acceptanceD.presentation37. The act which is never involved in check business is （ C ）A.endorsementB.dishonorC.acceptanceD.presentation38. The acceptor of a bill is the person who originally named as ( B )of the bill.A. drawerB. draweeC.payeeD.endorser39. The first holder of a bill is the ( C ) of the billA. drawerB. draweeC.payeeD.acceptor40. Among the following crossed cheques, the one which contains the words ( D ) is a special crossed cheque.A. bankerB. not negotiableC. A/C payeeD. Bank of China41. The means of authenticating payment order in mail transfer is the （ D ）A. SWIFT authentic keyB. schedule of terms and conditionsC. test keyD. authorized signatures42. The means of authenticating payment order in telegraphic transfer is the（ C ）A. correspondent arrangementB. schedule of terms and conditionsC. test keyD. authorized signatures43. Which of the following is not a method of remittance? （ C ）A. M/TB. T/TC. T/RD. D/D44. Open account as a payment method is usually used when （ D ）A.goods are sold under the seller’s market conditionB.goods are badly needed by the buyerC.goods are of special standards or special specificationsD.goods are sold under the buyer’s market condition45. If the reimbursement instruction written on the payment order is expressed as ‘in cover , we have credited your A/C with us’, the A/C relationship between the remitting bank and the paying bank must be( A )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks46. If the reimbursement instruction written on the payment order is expressed as ‘in cover, please debit our A/C with you’, the A/C relationship between the remitting bank and the paying bank must be( B )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks47. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have authorized Bank A to debit our A/C and credit your A/C with them’, the A/C relationship between the remitting bank and the paying bank must be( C )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks48. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have instructed Bank X to transfer the proceeds to your A/C with bank Y’, the A/C relationship between the remitting bank and the paying bank must be ( D )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks49. It will be more convenient if the collecting bank appointed by the seller （ B ）A. is a large bankB. is the remitting bank’s corr espondent in the place of the importerC. is in the exporter’s countryD. acts on the importer’s instructions50. Under D/P, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is paid by the buyer51. Under D/A, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is accepted by the buyer52. In collection business, banks are obligated to check the documents received to see that （ C ）A. they are authenticB. they are regularC. they are the same as those listed in the collection instructionD. they are in the right form53. A bill of exchange which is accompanied by shipping documents is known as （ B ）A. a clean billB. a documentary billC. a clean collectionD. a documentary collection54. In documentary collection, after the goods have been shipped, the exporter presents the documents to （ C ）for collectionA. the collecting bankB. the reimbursing bankC. the remitting bankD. the opening bank55. Which of the following is not the obligation of remitting bank in collection ?（ D ）A. to complete a collection order strictly according to the principal’s instructions.B. to perform following all the instructions given by the principal.C. to keep the documents wellD. to examine the contents of documents in detail56. Which of the following is not the obligation of the collecting bank?（ B ）A.to verify the authenticity of the collection orderB. to take care of goodsC.to release documents strictly on the delivery terms of documents.D.to perform following all the instructions given by the remitting bank.57.In collection business, the drawer of the draft for collection is ( A )A. sellerB. buyerC. remitting bankD. collecting bank58. In collection business, the drawee of the draft for collection is ( B )A. sellerB. buyerC. remitting bankD. collecting bank59. If the collection instruction given by the principal specifies that collection charges are to be borne by the drawee but with no express statement that they may not be waived, charges will be for the account of ( A ) providing the drawee refuses to pay them.A. principalB. remitting bankC. collecting bankD. presenting bank60.The price term which is more favorable to the seller under collectionis ( D )A. EXWB. FOBC. CFRD. CIF61. In L/C business , the exporter can receive the payment only when ( C )A. he has shipped the goodsB.he has presented the documentsC.the documents presented constitute a complying presentationD.the importer has taken delivery of the goods.62. In L/C business, the issuing bank can refuse to pay the credit amount when ( C )A.the applicant prevents him from making paymentB.the goods are not the same as those stipulated in the sales contractC.one kind of document required by L/C isn’t presented.D.b alance of the applicant’s account is not enough for payment .63. Of the following kinds of L/C, ( B )is the L/C which requires no drafts at all.A.sight payment creditB.deferred payment creditC.acceptance creditD.negotiation credit64. Of the following kinds of L/C, ( C ) is the L/C in which drafts are always required.A.sight payment creditB.deferred payment creditC.acceptance creditD.negotiation credit65. Of the following kinds of L/C, ( D ) is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.A.non-transferable creditB.reciprocal creditC.revolving creditD.back to back credit66. Of the following kinds of L/C, ( A )is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.A. transferable creditB. reciprocal creditC. revolving creditD.confirmed credit67 Of the following kinds of L/C, ( C ) is the L/C which is especially suitable for use to settle the payment under a long term contract covering goods to be transported by regular partial shipments.A.non-transferable creditB.reciprocal creditC.revolving creditD.back to back credit68.Of the following kinds of L/C, ( B ) is the L/C which is especially suitable for use to settle the payment under counter trade.A.non-transferable creditB.reciprocal creditC.revolving creditD.back to back credit69. Confirmation of a credit may be given by ( B )A. the beneficiary at the request of the importerB. the advising bank at the request of the issuing bankC. the advising bank after the receipt of correct documentationD. the issuing bank after the receipt of correct documentation70. The credit may only be confirmed if it is so authorized or allowed by ( A )A. the issuing bankB. the supplierC. the advising bankD. the beneficiary71. The second beneficiary of a transferable letter of credit is the( D )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods72. The first beneficiary of a transferable letter of credit is the ( A )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods73. The red clause credit is often used as a method of ( B )A. providing the buyer with funds prior to shipmentB. providing the seller with funds prior to shipmentC. providing the buyer with funds after shipmentD. providing the seller with funds after shipment74. An applicant must reimburse an issuing bank unless he finds that ( D )A. goods are defectiveB. goods are not as ordered in the sales contractC. documents received do not allow him to clear the goods through customsD. documents do not conform on the face to the terms and conditions of the credit75. Application for any amendment to a letter of credit should be given to the issuing bank by ( A )A. the applicantB. the beneficiaryC. the advising bankD. the nominated bank76. The message type which is used to send a amendment notice of a documentary credit through SWIFT is numbered ( C )A. 700B. 705C. 707D. 71077.Among all the financial methods mentioned bellow , which method provides funds without recourse ？ ( C )A. packing loansB. bill discountingC. forfaitingD. borrowing docs against T/R78.Under letter of credit, the primary debtor is the( C )A. applicantB. importerC. issuing bankD. nominated bank79. The applicant of letter of credit is ( B )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bank80. The beneficiary of letter of credit is ( A )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bank81.A letter of credit which is expired on Oct. 1, 2008 specifies that “documents must be presented within 15days after the on board date of bill of lading”. If the on board date of bill of lading is Sep. 10,2008, the latest date of presentation must be ( B )A. Sep. 24 ,2008B. Sep. 25 ,2008C. Sep. 26 ,2008D. Oct. 1, 200882. If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least ( C ) of theCIF or CIP value of the goods.A. 100%B.105%C. 110%D.120%83. Which of the following actions performed by the nominated bank is not regard as the action of honor( D )A. to pay at sight under sight payment creditB. to incur a deferred payment undertaking and pay at maturity underdeferredpayment creditC. to accept the draft and pay at maturity under acceptance creditD. to negotiate under negotiation credit84. Complying presentation under letter of credit means a presentation that is in accordance with the terms and conditions of credit, the applicable rules of UCP and provisions of ( B )A. ISP98B. ISBP681C. ICC Publication No.522D.ICC Publication No. 75885. Among the following banks, the one who has no obligation to examine documents under letter of credit is ( C )A. the issuing bankB. the confirming bankC. the reimbursing bankD. the nominated bank86.The following are the financing methods which can be used by the seller in L/C business except ( D )A. negotiating the documentary draft to his bankA.applying for packing loans from his bankB.discounting the time draft already accepted by the drawee bankD. Borrowing docs from issuing bank against T/R87.The following are the financing methods which can be used by the buyer in L/C business except ( D )A.applying for issuing L/C with no margin requirement.B.borrowing docs from issuing bank against T/RC.taking the goods from shipping company against indemnity guarantee signed by the issuing bank.D.applying for packing loans from his bank88. A bill of lading doesn't function as ( D )A. a contract of transportationB. a receipt of goodsC a certificate of title to the goods D. an accounting document89. The drawee of a draft drawn under letter of credit may be ( C )A. the beneficiaryB. the applicantC. the issuing bankD. the negotiating bank90. If the bill of lading is made out to order , it must be endorsed by （ B ）so as to complete the transfer of the title to the goods .A. the carrierB. the shipperC. the notify partyD. the nominated bank。
INTERNATIONAL SETTLEMENT CHAPTER 1国际结算第一章
International
settlement
Instruments
• Bills of exchange
• Cheques
Payment Methods
• Promissory Note
• Remittance
• Collection
• Letter of Credit
• Bank Guarantee &Standby Credit
《国际结算（理论，实务，案例）》， 蒋琴儿，秦定编著，清华大学出版 社，2006年
《国际结算》张东祥主编 武汉大学出版社出版，2004年
《国际贸易结算与融资》， 程祖伟 韩玉军 编中国人民大学出版社， 2004 年5月第二版
《金融专业英语证书考试教材（现代银行业务）》中国金融出版社，2002 年
Packing list
Weight memo
Certificate of Original
All kinds of Certificates
Rules URC
UCP URG
课程成绩
平时：30%，考勤，回答问题，课堂练习， 作业等
期末：70%，闭卷考试，英文试卷
课 程 教 材：
教材名称：《国际结算（英文版）》
主 编：秦定、高蓉蓉 出 版 社：清华大学出版社 出版年份：2010年2月
参考文献：
《International Settlements 国际结算》，邵新力，机械工业出版社， 2012年
学习指导：
在学习国际结算方式时，注重理论联系实际，要求学生用 所学的国际结算基本原理来分析和处理每一种结算方式中 的案例，掌握开立信用证，审单，制单，电汇和票汇等基 本技能。同时让学生了解国际结算与国际贸易，贸易融资 和出口信贷的相互之间的关系与区别，以及综合运用的能 力。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
KEY OF INTERNATIONAL SETTLEMENTChapter11.Put the following phrases into English贸易壁垒trade barrier进口关税import tariff全球经济一体化ec onomic glob alization资金转移und transfer有形贸易tangible trade无形贸易intangible trade国际惯例international customs and practices全球金融同业通讯协会SWIFT2.Put the following sentences into English(1)国际结算涉及有形贸易和无形贸易，外国投资，从其他国家借贷资金，等等。
The international settlement involves tangible trades,intangible trades,foreign investments, funds borrowed from or lent to other countries and so on.(2)许多银行注重发展国际结算和贸易融资的业务。
Many banks have focused on their business of international settlement and trade finance. (3)大多数国际间的支付来自于世界贸易。
Most of the international payments originate from transactions in the world trade.(4)一般来说，国际结算的方式分为三类：汇款、托收和信用证。
Usually the international settlement is divided into three broad categories:remittance, collection and letter of credit.3.True or False1)International payments and settlements are financial activities conducted in the domesticcountry.(F)2)Fund transfers are processed and settled through certain clearing systems.(T)3)Using the SWIFT network,banks can communicate with both customers and colleagues in astructured,secure,and timely manner.(T)4)SWIFT can achieve same day transfer.(T)4.Multiple Choice1)SWIFT is__B__A.in the united statesB.a kind of communications belonging to TT system for interbank’s fund transferC.an institution of the United NationsD.a governmental organization2)SWIFT is an organization based in__A___A.BrusselsB.New YorkC.LondonD.Hong Kong3)A facility in fund arrangement for buyers or sellers is referred to__A___A.trade financeB.sale contractC.letter of creditD.bill of exchange4)Fund transfers are processed and settled through__C___A.banksB.SWIFTC.clearing systemD.telecommunication systems5)__C__is the reason why international trade first began.A.Uneven distribution of resourcesB.Patterns of demandC.Economic benefitsparative advantages5.Answer the following questions1)Where are the medium of exchange originated from?Tracing back the history of international settlement,the medium of exchange originated from coins to notes.2)What will inevitably lead to under the international political,economic and culturalexchanges?The international political,economic and cultural exchange inevitably leads to credits and debts owed by one country to another.3)Why do banks focus on the development of the businesses of international settlement?Banks focus more and more on the development of the businesses because it is a major resource of profits.4)What will banks do to meet the higher and higher demand of the international market?Banks need to develop innovative products and deliver the best services possible in whatever way they can.Chapter21.Put the following phrases into English资金转移fund transfer清算系统clearing system银行竞争banking competition可兑换货币convertible currency国际支付international payment2.Put the following sentences into English(1)用于国际结算的货币是可兑换的货币。
Currencies used in the international settlement are convertible currencies.(2)每一个通信和支付系统都有自己的使用规则。
Each communication and payment system has its own rules.(3)有五种美元清算的方式。
There are five US dollar fund transfer payment methods.(4)欧元是欧盟国家使用的货币。
Euro is the single currency of the European Union.(5)香港作为国际金融中心必须遵循国际惯例。
As an international financial center,Hong Kong must follow international payment practice.3.True or False1)CHIPS payments are irrevocable and subject to a same-day net settlement process.(T)2)Book transfers are payment made between parties that maintain accounts at the differentbank.(F)3)In Japan,cash is not far more often used than checks for payment at the retail level.(F)4)Not later than July2002,the Euro will replace the national currencies in all public andprivate transactions.4.Multiple Choice1)The following are the special problems for international trade except for__C__ing foreign languages and foreign currenciesB.under foreign laws,customs and regulationsC.having risksD.numerous cultural differences2)All the parties to a collection are bound by___C___A.UCP400B.UCP500C.UCR522D.URC2543)An additional risk borne by the seller when granting a credit to the buyer is that the latterwill not__D___A.accept the billB.take up the documentsC.take deliveryD.make payment at maturity4)To the exporter,the fastest and safest method of settlement is__B__A.letter of creditB.advance paymentC.collectionD.banker’s draft5)To the importer,the fastest and safest method of settlement is__C_A.letter of creditB.cash in advanceC.open accountD.banker’s draft6)Which is the real international payment system?__A__A.TARGETB.FedWireC.CHAPSD.SWIFT5.Answer the following questions1)How will fund transfers be processed and settled?Fund transfers are processed and settled through certain clearing systems.2)What is FedWire?FedWire is an electronic payment system operated by the U.S.Federal Reserve.It si used to make US dollar payments to banks and their customers throughout the United States.3)When will the euro start to use?From January1,1999,Euro is the single currency of the European Union.4)What is the strongest of SWIFT?The strongest feature of SWIFT is message text standards.Chapter31.Put the following phrases into English总资产total assets缺乏经验lack of expertise全球策略global strategy专业服务professional service财务报表financial statement2.Put the following sentences into English(1)两家银行建立代理行关系的原则是基于双方的互惠互利。