天商国际结算完整版.doc

which are included in Settlement on commercial credit? （1）Payment in advance（2）Open account（3）Remittance（4）Collection 2、which are included in Settlement on bank credit? （1）Letter of credit（2）Bank guarantee 3、what are included in the Control documents? （1）Lists of specimen of authorized signatures （2）Telegraphic test keys （3）Terms and conditions （4）SWIFT authentic key 4、services provided by correspondent bank (1)collecting checks,drafts,and other credit instruments (2)making loan or investments as agents for their customer banks (3)making credit investigations on firms that borrow in the open market (4)providing banks with foreign exchange facilities,including commercial and travelers checks (5)providing banks with funds/loans in case of need. 5、clearing principles of international payment system:The sum of payables of all banks should be equal to the sum of receivables.The net credits of the net receiving banks should be equal to net debts(借方）of all net paying banks（债务和信贷平衡） 6、types of endorsement Blank endorsement:空白背书。即不记载被背书人名称，只有背书人的签字。 Special endorsement:又称特别背书。需要记载:被背书人名称、背书日期、背书人签章。 Restrictive endorsement:”支付给被背书人“的指示带有限制性的词语。 Conditional endorsement:”支付给被背书人“的指示是带有条件的。 7、understanding “Acts of a bill of exchange” and fill a bill of exchange Issuance;(2)Endorsement;(3)Presentment/Presentation;(4)Acceptance;(5)Payment;(6)Dishonor;(7)Notice of dishonor;(8)Protest;(9)Right of recourse;(10)Acceptance for honor supra protest;(11)Payment for honor supra protest;(12)Guarantee(13)Discounting 汇票（Bill of Exchange/Postal Order/Draft）是由出票人签发的，要求付款人在见票时或在一定期限内，向收款人或持票人无条件支付一定款项的票据。Classification of a bill of exchange 按有无附属单据──光票汇票、跟单汇票 按出票人和付款人是否在同一地方——直接汇票、间接汇票 按流通地域──国内汇票、国际汇票。 Difference between a promissory note and a bill of exchange (1) A promissory note is a promise to pay,namely the maker and the payee，主债务人是制票人,only has an original note .（只有一张原始的） (2) a bill of exchange is an order to pay;namely the drawer, the drawee and the payee.汇票的主债务人承兑前是出票人，承兑后是承兑人.汇