国际结算的PPT课件第二章

CREDIT ADVICE DATE：960403 USD 4 500 ．00 BENEFICIARY：MR JOHN SMITH, WOOSTER STREET 83 NEW YORK 10026 PAYER：THE CHILDREN’S HOSPITAL N．Y． MEMO：SALARY OF APRIL 96 WE HAVE CREDITED YOUR A/C 818140772 VALUE 960403 FOR . THE CITIBANK NA，NEW YORK
Control documents
Authorized signatures有权签字人的签字样本 Telegraphic test keys电报密押 Schedule of terms and conditions费率表 SWIFT authentic key证实押
The setting of accounts
The applications of the Depository bank
Direct A Indirect A A D C B C B B E
The principle of Depository Correspond
Midland Bank, London, UK (A)
Current a/c USD
Chapter 2
The banks in international settlement
The effects of the banks in international settlement
Accelerating the development of international trade and investment Accelerating the development and competition of banks In favor of capital flow and balance of international payments
From A bank, which account is it? From B bank, which account is it?
USD a/c
Midland Bank, London,UK
Citibank, New York,USA
GBP a/c
3
“To credit” and “to debit”
Accounting records: Debit : deposit of client (?) credit: deposit of client (?)
Complexity
How to account in example 1 ,2 and 3 ? We suppose that the hospital lie in London and Mr John Smith is working at New York.
DEBIT ADVICE DATE：960405 USD 1500 .00 BENIFICIARY：THE REAL ESTATE COMPANY PAYER：MR ．JOHN SMITH WOOSTER STREET 83，NEW YORK 10026 MEMO：HOUSE LOAN INSTALLMENT WE HAVE DEBITED YOUR A/C NO．818140772 VALUE 960405． FOR THE CITIBANK NA，NEW YORK
After receipt of his salary payment，Mr John Smith decided to make a payment of USD1500.00 on April 5 to the real estate company(房地产公司) for reimbursing his loan installment．He wrote a letter to his banker, the Citibank，authorizing it to transfer USD 1500.00 to the real estate company by debiting his A/C．The Citibank executed his instructions and meanwhile sent him a debit advice. Informing his A/C had been debited for USD 1500.00． Here is the example of a debit advice：
For example：On April 3，1996，the children's hospital made a book transfer at the Citibank New York in the amount of USD4500.00 to A/C 818140772 in favor of Mr．John Smith．The Citibank New York debited the A/C of the children's hospital and paid USD 4500.00 to themselves for crediting Mr．John Smith valuing April 3，1996．After the entries were posted.，the Citibank mailed the credit advice to Mr．John Smith at the given address of Wooster Street 83 New York confirming USD 4500.00 had been credited to the A/C． A credit advice should include the following items： title, payer, beneficiary, amount＆currency, value date. and memo.． book transfer:同行客户间的转帐业务 value date:起息日
Questions
Do you know what are “顺进账” and “倒进 账”？ How to transfer fund from wuhan to shanghai ?
The principle of The system of international payment
To credit (debit) some money to sb’s a/c To credit (debit) sb’s a/c with some money Case
Advice Mr．John Smith was a Graduate of Michigan Medical College．Now he is a pediatrician(儿科医生) working for a Children‘s hospital．His address is Wooster Street 83 New York．He maintains a current account (A/C 818140772)in USD with the Citibank NA, New York, which is a well-known bank in the world．The hospital transfers salary payment monthly to Mr．John Smith’s account． Upon receipt of payment from the hospital, the Citibank makes the credit to Mr．John Smith's A/C, issuing him a credit advice at the same time in the purpose of informing him the arrival of funds．
The institutions of banks in international settlement
Representative Office （代表处） Agency Office （代理处） Branch Bank Abroad; Sub-branch （海外分支行） Correspond Bank Abroad（代理银行） Subsidiary Banks（附属银行、子银行） Affiliated Banks（联营银行） Consortium Banks（银团银行）
Citibank, New York, USA (B)
1
Midland Bank, London, UK (A)
Current a/c GBP
Citibank, NewFra Baidu bibliotekYork, USA (B)
2
Depositor Bank
Current a/c
Depository bank
Questions
The establishment of a correspondent banking relationship
The necessary The principia of the establishment of a correspondent banking relationship establishing with head bank it’s the best choice of Affiliated Banks(联行) The processes the investigate of creditworthiness underwrite (sign) the arrangement exchange control documents
The principle of clearing
draw pay 工 农 中 建 total 300 700 500 400 100 800 1700 1500 100 100 工 农 200 中 600 300 建 400 600 500 total 1200 1200 500 1600 1400 net value
The tenet of transfer of bank
票据是存款帐户的支付凭证 先借后贷 同行票据内部转帐,异行票据交换转帐
The elements of paying system
Payer The bank of parer The clearing house The bank of payee Payee
the classes of correspondent bank Depository bank（帐户行） Non -depository bank（非帐户行）
The setting of accounts of correspondent bank 1) unilateral setting account单方开立帐户 ambilateral setting account双方开立帐户 2) nostro a/c (our a/c with you) （往帐） vostro a/c (your a/c with us)（来帐） clearing account（清算帐户） 3) current account （往来帐户） appropriative account （专用帐户）
1500 700
net value 300
How to account? Debit: the account of abc Credit: the account of icbc the account of ccb the account of boc
The conclusion
Clearing and settlement The amount of clearing The value date The balance of payment Paper clear and wire clear