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2020/1/19国际结算InternationalsettlementsGuangxiUniversityforNationalitiesXuliguiChapter1、2、12IntroductiontoInternationalsettlements2020/1/19国际结算2020/1/19国际结算LearningObjectives1.WhatisInternationalSettlements2.EvolutionofInternationalSettlements3.ResearchObjectsofInternationalSettlements4.CharacteristicsofInternationalSettlements5.GeneralknowledgeofInternationalSettlements2020/1/19国际结算Whichnewsreportsareassociatedwithinternationalsettlements？Report1中美签单386亿美元新能源等成合作重点2020/1/19国际结算Report2外国11月增持美国国债801亿美元2020/1/19国际结算Report3中国红十字会再次向日本地震灾区捐款500万元2020/1/19国际结算Report4欧元区财长会议决定向希腊发放贷款2020/1/19国际结算2020/1/19国际结算1.WhatisInternationalsettlements?Internationalsettlements:arefinancialactivities,inwhichfundsaretransferredfromonecountrytoanotherinordertosettleaccounts,debts,claims,etc.2020/1/19国际结算Typesofinternationalsettlements：tradesettlements:visibletradeNon-tradesettlements:Invisibletrade:transportation,insurance,etc.Financialtransaction：foreignexchangemarkettransactions,internationallending,etc.others：overseasremittances2020/1/19国际结算2.EvolutionofInternationalSettlements(1)cashsettlementnon-cashsettlement(2)settlementsagainstgoodssettlementsagainstdocuments2020/1/19国际结算(3)directpaymentmadebetweeninternationaltraderspaymenteffectedthroughbanks(4)internationalsettlementsarecombinedwithtradefinancing2020/1/19国际结算(1)Fromcashsettlementtonon-cashsettlementCashsettlement---coins,bars,bullions.Risks---high,costs---high,speed---lownon-cashsettlement---billofexchanges,etc.2020/1/19国际结算ExchangesettlementNewyork,ALondon,BLondon,D①goods①goods③Paycash④draft⑤Presentthedraft⑥Paycash②draftNewyork,C2020/1/19Internationalsettlements(2)Fromsettlementsagainstgoodstosettlementsagainstdocumentssettlementsagainstgoods：Inspectionshipment2020/1/19国际结算settlementsagainstdocumentsindustryspecialization：shippingindustry,insuranceindustrydocuments：billoflading,insurancepolicy2020/1/19国际结算(3)FromdirectpaymentmadebetweeninternationaltraderstopaymenteffectedthroughbanksSettlementsbybanks:safe,speedy2020/1/19国际结算(4)internationalsettlementsarecombinedwithtradefinancingBackgrounds：DevelopmentofScience&TechnologyO/AandmethodsofpaymentoncommercialcreditareusedmoreandmorewidelyThesellerneedsmoremoneyininternationaltrade2020/1/19国际结算Newtypesofinternationalpaymentmethods：InternationalFactoringForfaiting3.ResearchObjectsofInternationalSettlements(1)instruments:billofexchange,promissory,check(2)methodsofInternationalSettlements：Remittance,collection,letterofcredit2020/1/19国际结算(3)documentsunderinternationalsettlements：Invoice,transportdocuments,insurancedocuments,certificateoforigin,etc.(4)Methodsassociatedwithbanks’guarantee:factoring,bankguarantee,forfaiting,etc.2020/1/19国际结算2020/1/19国际结算4.CharacteristicsofInternationalSettlementsSettlementsaresubjecttointernationaluniformrules,customsandpracticesVehiclecurrenciesaremorediversifiedFundsaretransferredbypaymentsysterm.2020/1/19国际结算Internationalrules（1）《国际贸易术语解释通则，2010年》(internationalrulesfortheinterpretationoftradeterms,简称INCOTERMS，2010）《托收统一规则》（uniformrulesforcollections，简称URC522）《跟单信用证统一惯例》（uniformcustomsandpracticefordocumentarycredits,ICCPublicationNo.600,简称UCP600）《跟单信用证项下银行偿付统一规则》（uniformrulesforbank-to-bankreimbursementsunderdocumentarycredits，简称URR725）2020/1/19国际结算Internationalrules（2）《见索即付保函统一规则》（uniformrulesfordemandguarantees,ICCPublicationNo.758,简称URDG758）《国际备用证惯例》（internationalstandbypractices，简称ISP98）《国际保理通则》（Generalrulesforinternationalfactoring)2020/1/19国际结算PaymentsystermSWIFT（societyforworldwideinterbankfinancialtelecommunication）：环球同业银行金融电讯协会CHIPS（clearinghouseinterbankpaymentssystem）：纽约“清算所银行同业支付系统”CHAPS（clearinghouseautomatedpaymentssystem）：伦敦“清算所自动支付系统”TARGET（Trans-EuropeanAutomatedReal-timeGrosssettlementsExpressTransferSystem）：欧洲间实时全额自动清算系统2020/1/19国际结算WhatareSWIFTCODE,ABAROUTINENO.,UIDNO.AnAmericanclientsentanemail：“Ijustgotacallfrommybank.Thebankneedstheroutingnumbertocompletethetransaction.TheystatethatUSAbankdoesnotuseswiftcode.Pleaseinquireaboutthistocompletethistransaction.”2020/1/19国际结算Bankofchinaanswered：THRUBANKOFCHINANEWYORKBRANCHVIACHIPS(ABANO.0326)FORCREDITOURA/C(UIDNO.138679)。2020/1/19国际结算SWIFTCODE：各银行在SWIFT系统中的代码ABAROUTINGNUMBER和UIDNUMBER参加CHIPS的银行必须向纽约清算所申请，经该所批准后接收为CHIPS会员银行，每个会员银行均有一个美国银行公会号码（AmericanBankersAssociationNumber），即ABA号码，作为参加CHIPS清算时的代号。每个CHIPS会员银行所属客户在该行开立的账户，由清算所发给通用认证号码（UniversalIdentificationNumber），即UID号码，作为收款人（或收款行）的代号。2020/1/19国际结算5.BasisandConditionsofInternationalSettlementscurrenciesTradetermsGeneralknowledgeofbanks2020/1/19国际结算Currencies国家和地区名称货币名称ISO国际标准货币代码中国人民币元CNY美国美元USD香港港元HKD英国英镑GBP瑞士瑞士法郎CHF瑞典瑞典克朗SEK丹麦丹麦克朗DDK挪威挪威克朗NDK欧元区欧元EUR澳大利亚澳大利亚元AUD加拿大加拿大元CAD新加坡新加坡元SGD日本日元JPY2020/1/19国际结算Generalknowledgeofbanksoverseassisterbank/branch,sub-branch：联行2020/1/19国际结算correspondentbank:代理行Correspondentbank:abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.Controldocuments：specimensignature:印鉴样本testkey:密押termsandconditions:费率表SWIFTauthentickey:SWIFT密押2020/1/19国际结算Accountingbank:账户行Accountingbanks:whenabankopensanaccountinitscorrespondentbank,theya